Savings account for house deposit..

Qyburn

se2020 said:

I'd rather not have to have 2 current accounts if possible. 
Unless the Virgin one can just be opened but not actually used?

It can, that's what I have. Mine has £100 in it, can't remember why I did that. But the missus' account has zero balance.  Payments into the ISA go direct, the don't have to be routed through the current account.

My LISA is a cash isa so can I pay £4k into that and £16k into virgin?

Yes you can, it's a special sort of cash ISA and doesn't stop you opening and paying into a normal one.

Ie. Does "subscribe" mean "open"?

"Subscribe" means pay new money into, and you can only do that to one ISA of each sort in anyone tax year (aside maybe from transferring)

Bridlington1

Natwest have a digital regular saver paying 5% on up to £5k (max £150/mth). See:
https://www.natwest.com/savings/digital-regular-saver.html
You can drip-feed some of your savings into that. I'd also open Coventry's 6-access account as mentioned by @Band7 if I wee you.

Regular savers are certainly worth looking at. This tends to be where the best interest rates are and many don't require you to open a current account to get them. See:
https://moneyfacts.co.uk/savings-accounts/regular-savings-accounts/?quick-links-first=false&id=null&business-type=16&activity-type=null&investment-amount=50&investment-type=2&account-types=16&interest-paid-frequencies=null&terms=null&account-opening-methods=null&account-management-methods=null&notice-periods=null&include-notice-period=true&include-term=true&age=21&has-withdrawal-restrictions=2&existing-customers-only=2&is-shariaa=2&joint-account-only=2

As an aside, I would seriously consider opening a current account outside of the Natwest group. If you ever run into issues with Natwest, e.g. current account gets frozen, technical meltdown at Natwest, lost/stolen debit card etc, a spare current account is invaluable.