> Some of the best savings rates are offered by app-only providers – made up of banks and “electronic money institutions” (EMIs), which do not have their own ba

> Some of the best savings rates are offered by app-only providers – made up of banks and “electronic money institutions” (EMIs), which do not have their own banking licence, but put your money in a bank that does. Okay, this wins for euphemism of the week. "We're not a bank, we're a money institution!"