u/Cerealmunchie

I don't want to sound incredibly stupid but just trying to figure it out. I just about know the difference which is ISA is tax free and savings aren't. Should I change all my savings to a trading212 cash isa? I don't have that much savings anyways to hit the 20,000 limit.

Or is there just not much difference so I should leave it? HSBC AER variable keeps dropping and I feel like I could be earning more else where. Any tips appreciated, thank you!!!