I'm a banking expert - here's how to find market-leading savings rates

accounts - generate decent returns but only on the basis that you pay in a set amount each month.

Notice accounts - offer slightly higher rates than easy-access accounts but you'll need to give advance notice to your bank before you can make a withdrawal or you'll forfeit the interest. Fixed rate savers - these offer some of the highest interest rates. However, if interest rates increase during your term you can't move your money and switch to a better account. - these can pay high interest but come with high withdrawal fees and are unlikely to be beneficial if you've less that £65,000 in saving. However, Lifetime Isas are great for anyone aged 18-39 hoping to buy a house or save for retirement.

And if you want to lock your cash away for longer, the top fixed rate accounts pay up to 3.2% a year.

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