best thing to do honestly is get bank/building society that pays a flat rate interest.

and put your own money into the account.

I started mine when i was 20 since i have been putting £50 a month into it, no idea how much is in there will never know until i decide to retire.

probably when im settled with a home i'll put a lot more in.

jobs done.

public sector has been scrutinised by governments for years their greedy eyes lurking over the wall they built eyeing other peoples money bloody cheeky.