I have perused the banks' interest rates on various savings options and noticed that none of them offer products where you could earn close to (and never more than) the current inflation rate.

So you have a bit of spare cash lying around each month and want to earn some decent growth on it. You don't want to invest in long-term products as you will need some of it for e.g. paying provisional tax twice a year, paying your membership fees annually etc.

Where to put your spare cash to earn the best interest and yet have access to it within at least 30 days?