Monzo multiple savings pots for FBAR

Hi, for tax year 2024 I had multiple savings pots at Monzo. (including a maturing one going into a new savings pot) I also have a small balance in a Monzo current account. Last year for my form 8938 and FBAR I added the savings pots end of year value into the current account and gave the Monzo account number. This was after researching that Monzo is unable to provide separate account numbers for each pot. Yet my money is actually held at another foreign bank and if it failed apparently my recourse to FSCS is via the bank where the savings pot is held. (not Monzo). So am I correct to declare one account on my FBAR with the Monzo account number?
Also - do I need to declare the interest on the savings pots if it has accrued but not paid out? I included it in the account balance but I didn't break down the interest generated. UK rule is you pay any tax due on the interest only after it pays out. But I see the IRS wants you to report interest earned on a CD so I think I'd better include it on my interest income, right?
Finally if you've made it this far... I only recently learned I'm also supposed to be filling out Form 1116, schedule B - I think. I never filled out this form because I don't claim any foreign tax credit. I just file 1040 and 2555 and never had to owe. But I learned any foreign account should be declared on this form anyway.
Thanks for thoughts/help!

Hopefully someone will come along with an answer to your questions. My wife and I have always managed to not exceed the IRS limits for filing 8938 ($400k at end of year or $600k at anytime during the year).

We do file forms 1116 each year for our foreign income tax credits but see no schedule B like you mention on that form.

https://www.irs.gov/pub/irs-pdf/f1116.pdf

Thanks so much durhamlad!! I think I confused the forms - it's on the 1040 schedule b where you'd put dividends and such. Here it says you also declare foreign accounts there. I learned about this while reading an indictment against a dual national for tax evasion and failure to file FBARs.
https://www.irs.gov/forms-pubs/about-schedule-b-form-1040 [nofollow]
It's in part III and there doesn't seem to be any threshold

7 a At any time during 2024, did you have a financial interest in or signature authority over a financial
account (such as a bank account, securities account, or brokerage account) located in a foreign
country? See instructions

On the Foreign Bank Account section - no, no limits. I had an account with the equivalent of fifty-six cents in it at RBS and was told by the IRS I had to file the form!

Thanks so much durhamlad!! I think I confused the forms - it's on the 1040 schedule b where you'd put dividends and such. Here it says you also declare foreign accounts there. I learned about this while reading an indictment against a dual national for tax evasion and failure to file FBARs.
https://www.irs.gov/forms-pubs/about-schedule-b-form-1040
It's in part III and there doesn't seem to be any threshold

7 a At any time during 2024, did you have a financial interest in or signature authority over a financial
account (such as a bank account, securities account, or brokerage account) located in a foreign
country? See instructions

Exactly right.  It is so easy to miss that checkbox on the Schedule B.

Thanks, I know I have to declare all accounts whether money in them or not. Finally got one shut that had like 1p in it. My issue is more on whether I'm correctly declaring these Monzo savings pots. I think I am after looking through the Monzo forums. Seems that Monzo has an account with the provider bank and I'm just in that pool of money with my savings pot. I think.

Thanks, I know I have to declare all accounts whether money in them or not. Finally got one shut that had like 1p in it. My issue is more on whether I'm correctly declaring these Monzo savings pots. I think I am after looking through the Monzo forums. Seems that Monzo has an account with the provider bank and I'm just in that pool of money with my savings pot. I think.

I'm afraid I don't know Monzo at all. Where we have multiple accounts in the same bank or financial institution the accounts all have individual account numbers. If Monzo only has a single account number for multiple pots of savings then I think I would report each of those savings pots and use that same account number for each one.  As long as all the amounts are correct then I would think there would be no problem.