Lloyds current is 5% on up to 5 or 6k for 1 year and I got 6 free cinema tickets
Lloyds monthly saver is 5% and you can put a few hundred a month into it (again for 1 year)
Lloyds saver somethng or other is also 5% on up to 5k for a year.
Other banks have similar schemes so take out lots of accounts all offering 5% and max them out.
Then look at ISAs
Just waiting for my flat sale to complete so will be having to mess around doing all this. Sadly my 5% lloyds accounts are coming to an end so i will have to look around. Moneysavingexpert is your friend here.
Oh and if they need you to pay a certain amount in each month then just set up standing orders to move cash around. Bit messy but worth it and a lot less hassle and risk than other means of investing money.
If your feeling brave then try Peer to Peer lending.
I am getting 12% on my investments.
How easy is it to access the money or is it locked in for a set period?