As of 13 August 2026, AI can only partly find the best easy-access savings account.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 1 hour until you can act on the result.

   How to actually do it

   1. Write down the amount you want to save, when you might need it, how often you expect to withdraw, and whether you need unrestricted access.
   2. Open the official pages for the accounts you are considering and copy the current rate, bonus terms, withdrawal rules, eligibility, balance limits, fees and protection information into a document.
   3. Paste your requirements and the copied account information into the prompt, keeping each product name and source page with its terms.
   4. Ask the model to rank the accounts by your stated priorities and to mark every missing, unclear or source-dependent fact instead of filling gaps.
   5. Open each shortlisted provider page again and compare the model's table with the current terms, especially the rate type, bonus end date, withdrawal conditions and eligibility.
   6. Check the likely tax treatment of the interest using current GOV.UK guidance or ask a qualified adviser if your circumstances are complex.
   7. Choose and apply through the provider's official website only after the final terms match your needs and the information you supplied.

   Prompt

   Help me compare easy-access savings accounts available to me in the UK. Do not claim to know current rates or account conditions unless I provide a current official source or you can clearly identify the source and its date. Do not invent products, rates, eligibility rules or tax outcomes.
   
   My requirements:
   - Amount I plan to save: [£ amount]
   - When I may need the money: [description]
   - How often I may withdraw: [description]
   - Whether I need unlimited withdrawals: [yes/no/not sure]
   - My tax status and relevant savings allowance information: [details, or say I do not know]
   - Any provider restrictions or preferences: [details]
   
   I will paste current details from official provider pages below. Extract the facts without changing them. Compare the accounts by variable rate, introductory or bonus rate and when it ends, withdrawal rules, notice requirements, minimum balance, maximum balance, eligibility, fees, protection information, and any other condition that could affect my decision. Flag missing or unclear information instead of guessing.
   
   Give me:
   1. A shortlist ranked against my stated priorities, not a claim that one account is universally best.
   2. A table showing each relevant condition and the exact source supplied for it.
   3. The trade-offs and circumstances in which each shortlisted account would be unsuitable.
   4. A final checklist of facts I must confirm on the provider's official page immediately before applying.
   5. A plain statement that this is not professional advice and that I remain responsible for checking the account and its tax treatment.
   
   Current official account information:
   [Paste provider and product pages or copied terms here]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.