Earn more
Move cash to a high-yield savings account
Emergency funds shouldn’t sit in 0.1% accounts. Switching to 4%+ keeps pace with inflation.
Growth comparison
Traditional
£5,000 → £5,015 (0.3%)
High-yield
£5,000 → £5,205 (4%)
1. Compare rates monthly
Use comparison sites and look for accounts with FSCS protection.
2. Automate transfers
Send emergency-fund contributions directly to the high-yield account.
3. Keep access easy
Pick an easy-access or short notice account so emergencies stay truly accessible.