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I’m not from USA so I don’t know what rates of interest your banks offer, but most here offer less than 4%, so there doesn’t seem much point for a few hundred quid.
In the retirement account front, just checked and for the past year it hit 19%, over the last 10 years, it's been 15% a year. Generally those are biased toward stock and move to more conservative close to retirement. I think that's generally the balance being considered, at least if you have any retirement account, it's probably larger than any other account in short order.
For "savings" account recently 4% has been available, but less so now as the central bank turns down interest rates to favor borrowers again. But I don't think they are limiting to strict savings accounts here. I think money put into an index fund or bonds or CDs would absolutely count.
Most private workplaces offer retirement investment accounts, that seems to be more what they mean.