With Tesco offering a 3% current account, every little really does help

• Santander has halved the rate on its 123 account, so it’s time for savers to shop around for better returns
• Borrowers, meanwhile, can get their hands on a cheapest-ever personal loanLooking for a better return on your savings? Here’s a tip: get yourself down to Tesco. The decision by high street banks such as Santander to slash interest rates on their current accounts means that for those people who have a few thousand pounds in savings and want easy access to their cas