Ask what interest rate and AER are offered, whether the rate is fixed or variable, and whether any introductory bonus has an expiry date. Check how easily you can withdraw your money, including minimum deposits, withdrawal limits, notice periods and penalties. Confirm whether the provider is authorised by the FCA and covered by the FSCS, and consider whether the interest could affect your Personal Savings Allowance or tax position. Compare the account’s terms with other options and check the latest details directly with the provider before applying.