Be cautious of offers with unusually high rates, unclear AER information, hidden fees or strict withdrawal conditions. A provider that pressures you to transfer money quickly, contacts you unexpectedly or cannot be verified on the FCA Register may be linked to a scam. Check whether the account and provider are covered by the Financial Services Compensation Scheme, using the official FSCS website rather than relying on advertising. Read the full terms and conditions, and contact the provider directly through independently sourced details if anything seems unclear.