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they all seem pretty poor at the moment!
What sort of savings account?
ISA? Instant Access? Fixed bond (over several years)?
MoneySavingExpert can help finding top choices.
And long may they stay that way for the sake of my mortgage!
12k - Instant Access
Open up a Halifax Reward current account. Pay in £1000 a month then pay it straight out again into your proper account - it'll earn a fiver a month doing that.
If you've got a bit of cash do the above and open up a Santander account that is giving 5% on balances up to £2500 and just bounce £1000 between them each month.
5%, thats less than inflation.
http://www.timesonline.co.uk/tol/money/savings/article7129687.ece
BoE interest rates need to rise - or will that just send us back into recession? Argh... But then gain debt is being reduced by all this inflation so that's something.