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Which is the best bank/building society to offer instant access savers accounts?

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It depends on the balance that you have available. If you have over £3,000 then the best interest rate is probably from the Santander 123 current account. You get 3% interest on balances from £3K to £20K, but you do have to pay £2 per month. However, they also give you cashback on Direct Debits to Utility Companies and Council Tax, which should more than cover the £2. Mike