Top-pick savings accounts. Easy-access savings: allows withdrawals. Monument Bank – 5.01%. Paragon Bank via Raisin – 5% + £50 cashback. Notice savings: give notice to withdraw. Investec – 5.25% for 90 days. Fixed-term accounts: must lock cash away. Atom Bank – 5.25% for six months. Allica Bank – 5.17% for one year.. 73. Find a tax-savvy savings account It’s well worth doing your research in terms of the different savings accounts available to you. For example, with a cash ISA, you can save up to £20,000 per year completely tax free. 74. Opt for a savings account that won’t let you withdraw money

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