Ask what the AER is, whether the rate is variable or includes a temporary bonus, and how long any introductory rate lasts. Check whether you can withdraw money freely, if there are withdrawal limits or penalties, and whether a minimum balance or regular deposits apply. Confirm how interest is paid and whether your savings are protected by the FSCS, normally up to £85,000 per person per authorised banking group. Also consider your tax position and check the provider’s full terms before applying.