Cash Chats UK Money & Personal Finance podcast 502 | Where to put your savings in 2026 & get £250 from a Lloyds bank switch
Jan 15, 2026
Discover the best UK savings accounts for 2026 that can maximize your returns, including a standout 6% offer from Santander. Learn about effective strategies to enhance your savings, like joint accounts and regular saver options. Don't miss the chance to earn a £250 bonus by switching to Lloyds Bank, with tips on eligibility and how to avoid fees. Andy covers tax-efficient savings options for higher-rate taxpayers too. Tune in for expert advice to help navigate your personal finance decisions!
AI Snips
Chapters
Transcript
Episode notes
Move Emergency Cash Out Of Current Account
- Open a separate easy-access savings account rather than keeping emergency cash in your current account.
- Use it to avoid accidental spending and to earn much better interest than on current accounts.
Use Santander Edge Saver For Top Rate
- Use the Santander Edge Saver for easy-access funds up to its £4,000 cap to earn 6% for a year.
- Open the Santander Edge current account (covers the £3 fee via bill cashback) to access the saver.
Double Or Quadruple The Edge Saver Cap
- Combine joint or additional individual Santander Edge accounts to increase the £4,000 cap per saver.
- Avoid setting direct debits on extra individual Edge current accounts to skip the £3 monthly fee.