Instant access high interest account?

[ButterflyTable]

I need instant access to my savings about £50k (I have an ISA and a LISA) I’ve put all I want into my pension this year (about £35k) I need the £50k on hand for life.

I’ve spotted an Investec account, have you any other ideas? For instant access?

If you can wait a week to get your money back you could put the maximum amount in Premium Bonds (50k). The winnings are tax free and I reckon you would get about 4.4% return.

Look at Martyn Lewis's Best Buys

Are premium bond winnings tax free?

I think i could wait a week or maybe I could put half in - thanks I’ll look at Martin Best Buys

I am aware that it isn't very high interest but for over a year I have had a Marcus (Goldman Sachs) instant access account paying 4.75% interest. It pays the interest monthly on the day of the month you open the account. The interest rate includes a year's bonus but after a year Marcus didn't reduce it.

I’ve never had a single penny from my Premium Bonds.

Yes