High savings balances should not sit wherever the app headline rate looks best. Check how much is under the same banking licence and use the official FSCS checker before moving large cash sums.
The brand name is not always the protection boundary
Some brands share a banking licence. FSCS tells users to add all accounts in the official checker because shared licences can affect the protected amount. Joint accounts normally apply the limit per eligible person, but several accounts under one shared licence are still aggregated before the limit is applied.
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