Which savings accounts are inflation-beating?

The top rate right now is available on Zopa. If you open a Biscuit current account, you'll get access to their Regular Saver account paying a massive 7.10% AER (variable). As with most regular savings accounts, there are limits to how much you can put away this way (£300 per month maximum in the case of Biscuit) but there are no fees for either the current or the savings account, and you can get access to your savings at any time which is vital if you're using this as an emergency cash fund.

If you want to put a bit more away, Santander is offering 6% AER (variable) on up to £4,000, but you'll need to open a Santander Edge current account – which costs £3 per month.

You can save up to £1 million with Oxbury Bank and receive 4.51% AER on their 90-day-notice base rate tracker account. But you will need a minimum deposit of £10,000, and this does track the Bank of England base rate so if interest rates are cut in December, as is now widely expected, your rate will drop too.