If you don't want anything long-term, then your options are:
- Instant access or notice account - will pay zero or close to zero.
- Regular Saver account - KBC will pay 0.55% if you comply with conditions. (Ulster higher, but they may not be around for long).
- State Savings Prize Bonds or State Savings instant access account.
The KBC Extra Regular Saver may net the highest, but small, return.