Explain Where an Emergency Fund Should Actually Sit

The emergency fund exists, which is the hard part done. It's also sitting in your current account earning nothing, right next to the money that buys the shopping. This explains the realistic homes for it, easy access, notice accounts, cash ISAs, what protection covers, and the mistake people make with each one.

Explain the difference between keeping a UK emergency fund in a current account, an easy-access savings account, a notice account, and a cash ISA, for a saver who has built up [3 months] of essential outgoings. Cover: how quickly the money can be reached in each, how the interest is taxed, what the FSCS protection limit covers, and the most common mistake people make with each option. Finish with a one-line rule of thumb for choosing, and note that this is general information about account types, not personal financial advice. Keep it under 400 words, plain English, no named providers or product recommendations.