Just been trying to sort this out for my mother in law, there really isn't much out there with higher rates, the best option I could find was to open a regular savers account and fillter as much as it allows each month for the 12 mnth period and then change to another one, (thats the important bit as the rate drops again). Santander do one, I think HSBC do another but if you check Martin lewis money page it gives you upto date rates if you shop around there are some with 5%.