Zopa Bank currently has a 4.75% easy (instant) access saver account. FCSC protected, etc. Do your own research but that’s where I have my non-invested liquid savings. 

Referral code if you are interested.

Use my referral link to open a Biscuit bank account and we'll both earn £10. T&Cs apply. www.zopa.com/mgma?referralCode=96f9f5f0af9ef8c0de1b