People across the UK could earn 50 per cent on their savings with no risk, according to Money Saving Expert Martin Lewis.
As instant access savings accounts pay less than 1.5per cent - the tricks could see you add a huge amount to your savings pot.
Martin was speaking on the Martin Lewis Money Show on ITV on Monday evening, giving advice on how to maximise your savings.
He said: "I can show you how to maximise the interest on every penny... and it tops out at 50%."
Martin's first solution is a lifetime ISA, reports The Mirror .
All the cash you put into a lifetime ISA will earn 1.4 per cent, and on top of that the Government will add a 25 per cent bonus. You can save up to £4,000 a year.
Not everyone qualifies - you must be aged between 18 and 40 and you must either be using the money to save for a first home or you must leave it in the account until you are 60.
You will be able to access the money earlier - but you will lose your huge interest payments.
The second trick is the Help to Save scheme.
If you claim Universal Credit every £1 you put into a Help to Save account will be topped up with an extra 50p by the Government.
You can pay in up to £50 a month and the scheme lasts for four years.
That means you could get £1,200 paid out - tax free - for putting money away.
"Frankly, it's totally unbeatable if you're eligible," Martin said.
You can read more about the scheme and check if you qualify here .
For people with more to save, or who don't qualify for either of those schemes, Martin said the key number to look at is currently 1.35%.
"Check now what you're being paid, if it's anything less than 1.35% it's time to ditch and switch," Martin said.
That's what the current top-paying easy-access account - Marcus, by Goldman Sachs - is offering.
The top one-year-fix savings account - where you can't access your cash for 12 months - pays 1.6% at the moment, the top two years deal pays 1.86% while if you leave your money alone for five years you can make 2.38%.
But Martin cautioned that longer-term fixes carry a secondary risk - that rates will change and while it's the best deal now, it won't be in two years' time - meaning you'd have been better off fixing for shorter period then moving at the end of it.
People locking their money away for longer periods might be better off investing their money - even though it means there is a risk you could end up with less than you put away.
Investing offers a greater potential return, but also a greater chance you'll lose cash, so the longer you can leave money there the bigger the chance you can pick a point where you've made money to withdraw or ride out any losses.
People thinking about doing this should speak to an independent financial adviser, Martin said. This is because where you put the money depends on your circumstances and what you're investing for - making general advice simply isn't possible.
