Most UK savings accounts are available to adults who can prove their identity, address and UK residency, although each provider sets its own rules. Some accounts have minimum deposits, age limits or requirements to hold a current account with the same bank; children’s accounts have separate conditions. A credit check is not usually needed for a standard savings account, but the provider may carry out identity and anti-money-laundering checks. Check the account’s eligibility criteria directly with an FCA-authorised provider, and consider whether an ISA could suit you if you want to shelter savings interest from tax.