Savings help.

I'd appreciate any help or advice with savings, I'm totally lost with all the complicated bank accounts!

Basically I have about fiftteen thousand to put somewhere, I have a pretty bog standard HSBC current account and the 6% HSBC savings account and an ISA, someone said I should move to the Santander 123 account, but I couldn't get my head around the maths.

Is the 123 account better than an ISA? and if I were to open that could I keep my HSBC current account and the 6% savers account?



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