Compare the annual interest rate, whether it is fixed or variable, and any withdrawal limits or introductory conditions. An easy-access account may suit an emergency fund, while a fixed-term account could offer a different rate but restrict access to your money. Check whether interest will use your Personal Savings Allowance, or consider an ISA if appropriate, and remember that rates can change and may not keep pace with inflation. Before applying, check the provider’s FCA authorisation and the latest FSCS protection details for eligible deposits.