£220 probably isn't worth it, for the amount of buggering about changing banks causes, with all direct debits, standing orders, online banking, online shopping etc needing updating

You shouldn't be saving with high street banks anyway. Use one of the aggregator sites that uses open banking to let you open savings accounts with most providers so you can move it around easily.

I use Hargreaves Landsdown, have both a cash ISA and standard savings acct with them. (From before they did cash ISAs)