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.
rates are so low you usually just need to think of an emergency fund as an insurance policy. It's not making you any money but is there just in case you need it.