Keep my liquid cash in a Tesco High Interest account and 2 Skipton instant access cash ISAs (wife and I) -ie 2 + years living expenses
Tesco account running at over 4.5% -but have to watch £1000 tax free limit for 20% tax payers so can only keep £20000+ here
Skipton ISAs running at 3.95% variable with £20000 limit pa but no tax problems
In practice feed the current account as required from the Tesco account which gets topped up from yearly withdrawal from investment portfolio-ie SIPPs and/or Stocks and Shares ISAs plus the Skipton Instant access cash ISAs
Not chasing rates anymore -probably little need now as it’s got very competitive out there
One less thing to worry about! Older now ( 78) so performance chasing becoming less important
xxd09

List of buildings societies and credit unions may not be exhaustive.

https://www.bsa.org.uk/i...societies-and-associates

The new Nationwide regular saver is 6.5% down from 8% last one.
Anyway opened and paid in straight away the £200 maximum on the last day of the month. Paid in again first day of the month. Then set a standing order for first day of the month.
So that works out £400. All the £400 will get the full 6.5%.
Do this with most regular savers.
Also sometimes open more more than I can fill in a year. So lower the amount paid in on future payments.
Gets you that bit more interest.