We have the 1-2-3 account with Santander. It costs us £5 per month and we earn over £40 per month from the intererst payment (on the maximum qualifying balance) and from the cashback on utilities, Council Tax etc. We pay our energy bills nd those of our rental property from that account. We also have 2 British Gas maintenance contracts coming out of that account and I think that they assume them to be utilities bills that qualify for cashback too! We also kept our previous fee-paying account with RBS as it gives us worldwide travel insurance, car breakdown cover and other benefits. Money goes in each month and is immediately transferred to Santander.That may go by the wayside in the next year as they won't cover Mr.jubilee's lung disease, not even with an additional premium. We are with OVO energy and get 3.5% interest on credit balances. That kicks in around Apr/May time when our usage drops and the D/D payment stays the same and tips the account into credit over the summer and autumn. I have another bank account with Halifax (Reward account) that pays me £3 per month as long as the account is in credit all month. I keep £5k in a savings account with Halifax so that I can stay registered with their competition. They give away £100k per month and smaller prizes. I was notified of a win and had to take ID into a branch. They then rang HQ to find out what my prize was and where I wanted it deposited. It was £100. Now that basic Rate taxpayers can earn £1k in savings interest per year without paying any tax on it (£500 FOR HIGHER RATE TAXPAYERS) it is not always the best option for people to invest in ISAs as there are ordinary savings accounts that pay higher interest than most ISAs. The ISA's advantage is in building up a nest egg that will be outside the tax reach forever, but modest savings can earn more elsewhere.