Have 10k - Which account is best for me?

I have 10k in an internet saver via Lloyds TSB and is earning the princely sum of 1 pound and 23 pence approx per month in interest.
I'm on minimum wage and would like instant access to the money should i need it..i'm pretty clueless about which route would be the most advantageous.
Any ideas would be appreciated.

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