Look beyond NS&I for better rates

Spread your cash among several accounts to earn more interest than the state-owned bank pays, says Ruth Jackson.

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Newcomers to NS&I might be less cheery
(Image credit: Credit: Peter Titmuss / Alamy Stock Photo)

Spread your cash among several accounts to earn more interest than the state-owned bank pays.

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Ruth Jackson-Kirby

Ruth Jackson-Kirby is a freelance personal finance journalist with 17 years’ experience, writing about everything from savings accounts and credit cards to pensions, property and pet insurance.

Ruth started her career at MoneyWeek after graduating with an MA from the University of St Andrews, and she continues to contribute regular articles to our personal finance section. After leaving MoneyWeek she went on to become deputy editor of Moneywise before becoming a freelance journalist.

Ruth writes regularly for national publications including The Sunday Times, The Times, The Mail on Sunday and Good Housekeeping, among many other titles both online and offline.