How to get the best savings rate

• Spread across banking groups — FSCS protects £85,000 per banking group, so diversify if you have large savings
• Use a mix of account types — keep an emergency fund in easy access, and lock away longer-term savings in fixed accounts for better rates
• Watch for rate cuts — easy access rates can drop at any time. Fixed rates lock in your return
• Combine with regular savers — regular saver accounts often pay 6-7%, far above standard savings. See our regular saver comparison