The podcast to help you make the most of your money
This week on Cash Chats, New Bank of England figures reveal that almost £306 billion is sitting in accounts paying no interest at all — more than the amount held in fixed-rate savings.
So why are so many of us leaving our money somewhere that earns nothing? And with huge sums also sitting in easy-access accounts paying relatively low rates, are we making the most of our savings?
This week, James Andrews joins me to look at where people are actually keeping their cash, why so much money ends up in poor-paying accounts, and what you should think about when deciding where to keep your own savings.
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Listen to Cash Chats episode 534
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- Switch bonus£240
- Perks8% regular saver
- Monthly fee0
- Offer endsUnknown
- FSCS Protected? Yes
- Bonus requirements To get the £240 switch offer, you need to complete a full switch with the Current Account Switching Service. Then, within 60 days of your initial switch request, you need to set up two active direct debits, deposit £1,500 into the current account, set up a Santander Regular Saver, and deposit £200 into it.
- Regular saver 8% (variable) regular savings account. Includes 5% (variable) bonus for 12 months
- Existing customers? You can't have held a Santander account on 1 January 2026.

The music used on Cash Chats is Easter Island by Lonely Punk and provided on a creative commons licence.


