We all know how awful interest rates are for savers. And we all need a current account. So how about a current account that yields a market-topping 3% interest on all credit balances? If like me you’re a net saver, why not switch? The 1-2-3 Current Account not only pays 3% interest, you also earn cash back on the bills you pay. I’ve had good experience with Santander since switching, and the process was easy and smooth.

Beware: although I have nothing to do with Santander apart from being a customer, you should not take this as financial advice, and my normal disclaimer applies.