Latest Savings Commentary

Income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

7% potential annual income, capital protected

Oliver Roylance-Smith / 10 May 2012

"The latest Fair Investment Income Deposit Plan offers capital protection plus the potential to earn 7% for each year the FTSE 100 remains between 4,500 and 7,000 points (yesterday’s clos... Read more

The savings dilemma and the rise of alternatives

Oliver Roylance-Smith / 01 May 2012

The economic landscape continues to create a real dilemma for savings and put a spotlight on the fixed rate bond. With yields on these lowering amid continued pressures on getting the most out of yo... Read more

Internet Savings Accounts - Best Deals

Internet savings accounts commonly offer the best deals in terms of interest rates. This is largely due to the fact that, for a provider, the overheads of running an internet savings account are considerably smaller than that of a regular savings account that is set up in-branch. So if you find the best deal, an internet savings account can help you to make the most of your savings.

If you are looking for the best deals on internet savings accounts, compare a number of different accounts from a range of providers to see what each could offer you - see below for our selection of the latest deals.

Savings Selection

Provider	Account	Rate	Term	Apply
	Investec FTSE 100 3 Year Deposit Plan	17.25%	3 Years	Apply Now >
3 year structured deposit plan Capital protected Target return of 17.25% Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Fair Investment Income Deposit Plan	7.00%	6 Years	Apply Now >
6 year structured deposit plan Capital protected Available for Cash ISA & Cash ISA transfers Also available to businesses, charities and trusts £10,000 minimum deposit (£5,640 for 2012/13 Cash ISA) Income is not guaranteed Plan designed to be held for full term May close early if oversubscribed
	2 Year Online Bond	3.63%	2 Years	Apply Now >
Earn 3.63% gross/AER fixed for 2 years Save from £500 Monthly and annual interest options Online savings account No withdrawals or additional deposits allowed Bond designed to be held for full term Must be UK resident and aged 18 or over
	1 Year Online Bond	3.27%	1 Year	Apply Now >
Earn 3.27% gross/AER fixed for 1 year Save from £500 Monthly and annual interest options Online savings account No withdrawals or additional deposits allowed Bond designed to be held for full term Must be UK resident and aged 18 or over

Instant Access Savings Accounts Deals

Provider	Account	Interest Rate (AER)	Term	Apply
	Nationwide MySave	3.17%	Easy Access	Apply Now >
Rate includes 1.62% gross p.a. fixed bonus for the first 12 months 3.17% rate is available when you save £25,000 or more Easy access, with 1 free withdrawal per year £1,000 minimum deposit Unlimited further withdrawals, including closure, can be made but a lower rate of interest and loss of bonus will apply in the month of the withdrawal.
	ING Direct Savings Account	3.10%	Instant Access	Apply Now >
3.10% AER variable (3.06% gross p.a.) Includes a fixed bonus of 2.56% gross p.a. for 12 months Rate available on balances up to £250,000 Unlimited withdrawals without penalties Interest is paid monthly
	NetSaver	3.06%	Easy Access	Apply Now >
Minimum opening balance of £1,000 Manage your account online Interest rate includes a fixed bonus of 2.06% gross p.a. paid until 30 June 2013 Easy access withdrawals without notice or loss of interest
	Online Saver	3.01%	Instant Access	Apply Now >
Rate includes 1.36% gross/AER fixed bonus for 12 months Monthly interest option is also available Unlimited withdrawals with no loss of interest Open with just £1
	Direct Transfer Account	2.80%	Easy Access	Apply Now >
Rate includes a 0.89% bonus for 12 months Open with £1,000 Bonus rate to help your savings grow
	Nationwide Regular Savings	up to 2.50%	Instant Access	Apply Now >
Open with £1 Tiered interest rates Save up to £1,000 per month Unlimited withdrawals
	Lloyds TSB International Bonus Saver	1.51%	Instant Access	Apply Now >
Earn up to 2.01% with 12 month bonus and minimum balance of £100,000 Earn up to 1.51% with 12 month bonus and minimum balance of £5,000 Bank in Sterling, Euro or US Dollars Get instant access to your money
	Online Bonus Saver	0.75%	Instant Access	Apply Now >
0.75% rate includes a 0.50% bonus on months where you don't make a withdrawal Rate without bonus is 0.25% Open with just £1 Interest paid monthly
	Easy Saver	1.60%	Instant access	Apply Now >
Instant access via cash machines with an optional card 1.60% AER/Gross variable Rate includes a fixed introductory bonus of 1.50% AER for the first 12 months
Existing customers only	eSavings Account	2.50%	Instant access	Apply Now >
Instant access via bank transfer 2.50% AER/Gross (variable) on balances of £10,000 or more 1.60% AER/Gross (variable) on balances of £1 to £10,000 These rates include a fixed introductory bonus of 1.50% AER for the first 12 months Existing customers only

Latest Fixed Rate Bond Deals

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Rate Bond	4.26%	5 Years	Apply Now >
Earn 4.26% gross/AER fixed for 5 years Save from £1,000 - £250,000 Monthly and annual interest options Online savings account No withdrawals allowed Bond designed to be held for full term Must be UK resident and over 18
	3 Year Online Bond	3.72%	3 Years	Apply Now >
Earn 3.72% gross/AER fixed for 3 years Save from £500 Monthly and annual interest options Online savings account No withdrawals or additional deposits allowed Bond designed to be held for full term Must be UK resident and aged 18 or over
	2 Year Online Bond	3.63%	2 Years	Apply Now >
Earn 3.63% gross/AER fixed for 2 years Save from £500 Monthly and annual interest options Online savings account No withdrawals or additional deposits allowed Bond designed to be held for full term Must be UK resident and aged 18 or over
	1 Year Online Bond	3.27%	1 Year	Apply Now >
Earn 3.27% gross/AER fixed for 1 year Save from £500 Monthly and annual interest options Online savings account No withdrawals or additional deposits allowed Bond designed to be held for full term Must be UK resident and aged 18 or over

See other fixed rate bonds

Growth Structured Deposits

Provider	Plan Name	Maximum Potential Return*	Term	More Info
	FTSE 100 3 Year Deposit Plan	17.25%	3 years	More Info >
3 year structured deposit plan Capital protected Target return of 17.25% Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Deposit Kick Out	9.50% per annum	Up to 6 years	More Info >
Structured deposit plan with a term of up to 6 years Capital protected Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Returns linked to the performance of 5 FTSE 100 Companies Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Kick Out Deposit Plan - Option 2	6.00% per annum	Up to 5 years	More Info >
5 year structured deposit plan Capital protected Potential for early maturity after years 2,3 and 4 Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Deposit Growth Plan	No limit	5 years	More Info >
5 year structured deposit plan Capital protected Potential to return 1.05 x FTSE 100 growth Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Growth Deposit Bond	50%	6 years	More Info >
6 year structured deposit plan Capital protected Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%) Available as a Cash ISA & for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Enhanced Growth Plan	40%	6 years	More Info >
6 year structured deposit plan Capital protected 4 x any rise in the FTSE 100 capped at 40% Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Annual Locked-In Return Plan	39%	6 years	More Info >
6 year structured deposit plan Capital protected 6.5% potential annual return Available for Cash ISAs & Cash ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed

* Maximum Growth Yields are not guaranteed and subject to certain conditions

There are a number of different types of internet savings accounts that may be available to you. Among these are the following:

Individual Savings Accounts (ISAs)
Instant access accounts
Notice accounts
Fixed rate savings accounts

For many people, an internet savings account could present the following advantages:

Tend to offer higher rates of interest than standard savings accounts
Allows you to manage your savings online whenever is convenient for you
Easy to set up
A range of choices to suit your needs

There are many different providers trying to bring you the best deals on internet savings accounts, so ensure that you shop around.

Latest Savings Commentary

Income is king

7% potential annual income, capital protected

The savings dilemma and the rise of alternatives

Internet Savings Accounts - Best Deals

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