Savings

In the current economic environment, having a savings account is a waste of time. Interest rates are low, so most banks (or whatever else they call themselves) only offer a few % return per annum. Considering inflation is generally a few % or higher, youre actually losing money by "saving" it.
A lot of places advertise a higher interest rate, but if you look closer its always for a term deposit, or its a promotional thing that only lasts a month. When the interest rates are higher than inflation then it's worth considering, but otherwise it's not.
Better to invest your money in something (even if theres some risk) than just let it drain away.