Latest banking news

Inflation all wrapped up

Oliver Roylance-Smith / 01 February 2012

Recent weeks have provided confirmation of the interest rate status quo from the Bank of England along with the release of the latest inflation figures from the Office for National Statistics. Combi... Read more

Inflation and interest rates - what it means for you

Oliver Roylance-Smith / 01 February 2012

In the last fortnight we have had a further vote on the base rate by the Bank of England’s Monetary Policy Committee as well as the revised inflation figures released by the Office for Nationa... Read more

Savings vs Inflation

Oliver Roylance-Smith / 29 November 2011

With so much uncertainty surrounding what will happen to inflation in the future, we review the current range of savings plans and see how their returns stack up against the rising cost of living. F... Read more

Savings Account Guides

Do you know how safe your savings are? Should you choose a fixed rate or a bonus rate? Our useful savings guides could help you to make the most of your money.
Read more »

Latest savings commentary

Inflation all wrapped up

Oliver Roylance-Smith / 01 February 2012

Savings vs Inflation

Oliver Roylance-Smith / 29 November 2011

What will happen to inflation

Oliver Roylance-Smith / 15 November 2011

With the spotlight well and truly on inflation, we take a look at the latest events that will have an impact on its future and consider what this might mean for savers. Bank of England holds firm Th... Read more

Latest investment commentary

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

2011 has certainly been a year of strong themes which have dramatically shaped the market as well as the opportunities available for savers and investors. We take a look at what these have been and ... Read more

A review of the FTSE in 2011 and what we can learn

Oliver Roylance-Smith / 10 January 2012

The FTSE is one of the most important indicators of investment performance and acts as a key benchmark for many investors in the UK. For this reason we take a look back at 2011 and review what happe... Read more

Our Top 10 most popular plans in 2011

Oliver Roylance-Smith / 09 January 2012

With 2012 well underway, there is already a competitive range of plans available across a wide number of plan types, whether you are looking for traditional savings routes, investments with the pote... Read more

Compare Savings Deals »

Savings

Make the most of your savings…

Not sure where to invest your savings?

Check out the range of options in our tables below. Whether you are looking for a traditional savings account, instant access, fixed rate bond or a tax-efficient cash ISA, we can help:

Savings Selection

Inflation Beating Savings Plans

Savings Selection

Latest Fixed Rate Bond Deals

Instant Access Savings Accounts Deals

Latest Fixed Rate Bond Deals

Account	Rate	Term	Apply
Meteor Income Deposit Plan	7.25%	6 Years	Apply Now >
A 6 year capital protected structured deposit plan designed to pay 7.25% annual income. Also available as a cash ISA and ISA transfer.			Apply Now >
5 Year Fixed Term Deposit Account	4.60%	5 Years	Apply Now >
Interest paid either Annually at 4.60% Gross/AER, Quarterly at 4.52% Gross or Monthly at 4.50% Gross. Minimum Deposit £10,000.			Apply Now >
Legal & General Inflation Protected Deposit Bond	RPI Tracker	5 Years	Apply Now >
5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap, or a minimum return of 16%. Also available for Cash ISA and Cash ISA transfer.			Apply Now >

Account	Interest Rate (AER)	Term	Apply
Legal & General Inflation Protected Deposit Bond	RPI Tracker	5 Years	Apply Now >
5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap, or a minimum return of 16%. Also available for Cash ISA and Cash ISA transfer.			Apply Now >
Meteor Income Deposit Plan	7.25%	6 Years	Apply Now >
A 6 year capital protected structured deposit plan designed to pay 7.25% annual income. Also available as a cash ISA and ISA transfer.			Apply Now >

* Income payments and returns are dependent upon the FTSE 100 Index.

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Term Deposit Account	4.60%	5 Years	Apply Now >
	Interest paid either Annually at 4.60% Gross/AER, Quarterly at 4.52% Gross or Monthly at 4.50% Gross. Minimum Deposit £10,000.			Apply Now >
	Vanquis Bank 3 Year Fixed Rate Bond	4.01%	3 Years	Apply Now >
	Earn 4.01% gross/AER fixed for 3 years. Save £1,000 - £250,000. No withdrawals during the term. Individual or joint accounts available			Apply Now >
Only Available to Natwest Current Account Customers	2 Year Fixed Rate Bond	3.70%	2 Years	Apply Now >
Only Available to Natwest Current Account Customers	3.40% Gross/AER on balances of £5,000 - £24,999. 3.70% on balances of £25,000 - £500,000. Existing Customers Only. No withdrawals or additional deposits.			Apply Now >
Only Available to RBS Current Account Customers	2 Year Fixed Rate Bond	3.70%	2 Years	Apply Now >
Only Available to RBS Current Account Customers	3.40% Gross/AER on balances of £5,000 - £24,999. 3.70% on balances of £25,000 - £500,000. Existing customers only. No withdrawals or additional deposits.			Apply Now >
	ING Direct Savings Account	2.90%	Instant Access	Apply Now >
	2.90% AER variable (2.86% gross p.a.) including a fixed bonus of 2.36% gross p.a. for 12 months from account opening. After 12 months the rate will revert to the standard variable rate.			Apply Now >
	18 Month Fixed Rate Bond	2.80%	18 Months	Apply Now >
	18 Month Fixed Rate - 2.80% AER. Open to new and existing customers. Click to learn more.			Apply Now >
	E-Cash ISA	2.50%	Instant Access	Apply Now >
	Instant access cash ISA open to new and existing customers. Transfers accepted. £10 minimum deposit.			Apply Now >
	9 Month Fixed Rate Bond	2.50%	9 Months	Apply Now >
	9 Month Fixed Rate - 2.50% AER. Open to new and existing customers.			Apply Now >

Account	Interest Rate (AER)	Term	Apply
5 Year Fixed Term Deposit Account	4.60%	5 Years	Apply Now >
Interest paid either Annually at 4.60% Gross/AER, Quarterly at 4.52% Gross or Monthly at 4.50% Gross. Minimum Deposit £10,000.			Apply Now >
3 Year Fixed Term Deposit Account	4.00%	3 Years	Apply Now >
Interest paid annually at 4.00% (gross), quarterly at 3.94% (gross), or monthly at 3.93% (gross). Minimum Deposit £10,000.			Apply Now >
1 Year Fixed Rate Bond	3.60%	1 Year	Apply Now >
3.60% Gross/AER fixed for 1 year. Deposit from £1,000. No maximum deposit.			Apply Now >

See other fixed rate bonds

Account	Interest Rate (AER)	Term	Apply
ING Direct Savings Account	2.90%	Instant Access	Apply Now >
2.90% AER variable (2.86% gross p.a.) including a fixed bonus of 2.36% gross p.a. for 12 months from account opening. After 12 months the rate will revert to the standard variable rate.			Apply Now >
Direct Transfer Account	2.80%	Easy Access	Apply Now >
Includes a 0.89% bonus payment for the 1st 12 months giving you a return of 2.80% AER. Open with £1,000.			Apply Now >
Online Saver	2.80%	Instant Access	Apply Now >
2.80% gross/AER variable including 12 month fixed bonus of 2.70%. Enter the Halifax Savers Prize Draw for a chance to win £100,000 or one of a thousand smaller prizes. (You must hold £5,000 in savings each month and register.)			Apply Now >
Nationwide Regular Savings	up to 2.50%	Instant Access	Apply Now >
Earn tiered rates of up to 2.50% Gross/AER when you save £500 or more. Open with £1. Unlimited withdrawals. Save up to £1,000 each month.			Apply Now >
Lloyds TSB International Bonus Saver	1.51%	Instant Access	Apply Now >
From 0.6% - 2.01% with 12 month bonus.			Apply Now >
Natwest E Savings	1.00%	Instant Access	Apply Now >
1.00% AER Gross (variable)			Apply Now >
Direct Saver	1.00%	Instant Access	Apply Now >
Earn from 1.00-1.50% AER/Gross (variable) 1.50% rate includes a bonus of 0.50%			Apply Now >
Online Bonus Saver	0.75%	Instant Access	Apply Now >
0.75% including a 0.50% bonus on months where you don't make a withdrawal. Rate without bonus is 0.25%.			Apply Now >

See more instant access savings accounts

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Term Deposit Account	4.60%	5 Years	Apply Now >
	Interest paid either Annually at 4.60% Gross/AER, Quarterly at 4.52% Gross or Monthly at 4.50% Gross. Minimum Deposit £10,000.			Apply Now >
	4 Year Fixed Online Saver	4.15%	4 Years	Apply Now >
	4.15% Gross/AER fixed for 4 years. No additional deposits or withdrawals. Enter the Halifax Savers Prize Draw for a chance to win £100,000 or one of a thousand smaller prizes.			Apply Now >
	2 Year Fixed Online Saver	3.75%	2 Years	Apply Now >
	3.75% Gross/AER fixed for 2 years. No additional deposits or withdrawals. Enter the Halifax Savers Prize Draw for a chance to win £100,000 or one of a thousand smaller prizes.			Apply Now >
Only Available to Natwest Current Account Customers	2 Year Fixed Rate Bond	3.70%	2 Years	Apply Now >
Only Available to Natwest Current Account Customers	3.40% Gross/AER on balances of £5,000 - £24,999. 3.70% on balances of £25,000 - £500,000. Existing Customers Only. No withdrawals or additional deposits.			Apply Now >
Only Available to RBS Current Account Customers	2 Year Fixed Rate Bond	3.70%	2 Years	Apply Now >
Only Available to RBS Current Account Customers	3.40% Gross/AER on balances of £5,000 - £24,999. 3.70% on balances of £25,000 - £500,000. Existing customers only. No withdrawals or additional deposits.			Apply Now >
Only Available to Natwest Current Account Customers	1 Year Fixed Rate Bond	3.20%	1 Year	Apply Now >
Only Available to Natwest Current Account Customers	3.00% Gross/AER on balances of £5,000 - £24,999. 3.20% on balances of £25,000 - £500,000. Existing customers only. Deposit £5,000 - £500,000. No withdrawals or additional deposits.			Apply Now >
	1 Year Fixed Rate Bond	3.60%	1 Year	Apply Now >
	3.60% Gross/AER fixed for 1 year. Deposit from £1,000. No maximum deposit.			Apply Now >
	6 Month Fixed Rate Bond	3.28%	6 Months	Apply Now >
	3.28% AER fixed for 6 months. Deposit from £1,000. No maximum deposit.			Apply Now >
	18 Month Fixed Rate Bond	2.80%	18 Months	Apply Now >
	18 Month Fixed Rate - 2.80% AER. Open to new and existing customers. Click to learn more.			Apply Now >
	9 Month Fixed Rate Bond	2.50%	9 Months	Apply Now >
	9 Month Fixed Rate - 2.50% AER. Open to new and existing customers.			Apply Now >

See other fixed rate bonds

Savings rates on many accounts are disappointingly low at the moment thanks to the number of base rate cuts over recent months.

If you are getting frustrated with poor returns and are prepared to take a little risk for a better return on your savings, you should check out the investment products below:

Investing For Income

Investing For Growth

Other Options

Product Name	Income Yield	More Info
Income Builder	7.50% per annum	More Info >
A 5 years and 3 weeks structured investment plan paying a potential maximum quarterly income of 1.875% (equivalent to 7.50% per year). Also available for Stocks & Shares ISA and ISA transfer.		More Info >
FTSE Income Deposit Plan	7.25% per annum	More Info >
A 6 year capital protected structured deposit plan with the potential to pay 7.25% annual income. Backed by the Royal Bank of Scotland. Also available as a cash ISA and for ISA transfer.		More Info >
FTSE 100 Bonus Income Plan	7.50% per annum	More Info >
5 year structured investment plan paying an income of 7.50% annually, including a potential annual bonus of 0.5%. Also available as a monthly income option, Stocks & Shares ISA investment and ISA transfer.		More Info >
Income Maximiser	See Details	More Info >
Seeks to achieve a target yield of 7% to generate a quarterly income, whilst offering the potential for some long-term capital growth. Save 100% on Initial Charges.		More Info >
Monthly Income Plus Fund	See Details	More Info >
Popular monthly income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. 100% discount on initial charges. Click here to view latest Fund Facts »		More Info >
Strategic Bond	See Details	More Info >
Investing in higher yielding assets which will include most types of fixed interest securities, this fund aims to deliver a quarterly income to investors. Save up to 97% on Initial Charges.		More Info >
Invesco Perpetual Corporate Bond Fund	See Details	More Info >
This highly popular investment fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge. Click here to view latest Fund Facts »		More Info >
Artemis Income Fund	See Details	More Info >
One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. Click here to view latest Fund Facts »		More Info >
Invesco Perpetual High Income Fund	See Details	More Info >
One of the UK's most popular income funds, the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge. Click here to view latest Fund Facts »		More Info >
M&G Corporate Bond Fund	See Details	More Info >
The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge.		More Info >
Jupiter Merlin Income Portfolio	See Details	More Info >
The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount off the Standard Initial Charge. Click here to view latest Fund Facts »		More Info >

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.

Product Name	Maximum Potential Return	Term	More Info
FTSE 100 Enhanced Kick Out Plan Investec Version	13.50% per annum	Up to 5 years	More Info >
Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE Bonus Growth Plan	12.50% per annum	Up to 6 years	More Info >
6 year structured investment plan with the potential to mature early, returning the greater of 12.5% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer			More Info >
Early Bonus Plan	11.00% per annum	Up to 6 years	More Info >
A 6 year structured investment plan with the potential to mature early, paying 11% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 5 Quarterly Defensive Plan	4.25% per quarter	5 Years	More Info >
A 5 year structured investment plan with the potential to return 4.25% x the number of quarters the Plan has been active.			More Info >
FTSE Booster Plan	60%	6 years	More Info >
6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 Geared Returns Plan	80%	5 years	More Info >
5 year structured investment plan with the potential to receive a defined return of 80%. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
Growth Plan	60%	5 years	More Info >
A 5 year structured investment plan which aims to provide a defined return of 60% at maturity. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 Accelerated Growth Plan	No limit	5 years	More Info >
5 year structured investment plan with the potential to return 2.2 x any growth in the FTSE 100 Index after 5 years. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE Protected Growth Plan	35%	6 years	More Info >
A 6 year capital protected structured investment plan that offers a potential early exit return of 35%. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
Inflation Protected Deposit Bond	RPI Tracker	5 years	More Info >
5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap (minimum return of 16%). Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 3 Year Deposit Plan	19%	3 years	More Info >
3 year capital protected deposit plan with the potential to receive a defined return of 19%. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Deposit Growth Plan	No limit	5 years	More Info >
5 year capital protected structured deposit plan which aims to return 1.0 x any FTSE 100 growth. Also available for Cash ISA and Cash ISA transfer.			More Info >
Growth Deposit Bond	50%	6 years	More Info >
6 year capital protected structured deposit plan which returns the greater of 8.00% or 1 x any FTSE 100 growth, capped at 50%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Enhanced Growth Plan	40%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 5 x any FTSE 100 growth capped at 40%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Annual Locked-In Return Plan	36%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 6% annual growth capped at 36%. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Kick Out Deposit Plan - Option 2	6.25% per annum	Up to 5 years	More Info >
Capital protected deposit plan with the potential to mature after years 2, 3, 4 and 5. If the plan matures early it will return 6.25% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Kick Out Deposit Plan - Option 1	6.00% per annum	Up to 5 years	More Info >
Capital protected structured deposit plan with the potential to mature after years 1, 2, 3, and 4. If the plan matures early it will return 6% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.			More Info >
Moneybuilder	5.75% per annum	6 years	More Info >
A 6 Year capital protected structured deposit growth plan with the potential to pay 5.75% pa, up to a maximum of 34.5% over 6 years at maturity. Also available for Cash ISA and ISA Transfer.			More Info >

See more growth investments

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.

	Service	ISA Option	Minimum Investment	More Info
	Share Trading Account Plus		N/A	More Info >
	Trade in a wide variety of investment options including International Equities, Warrants and Covered Warrants. Frequent traders get a reduced rate of £8.95			More Info >

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.

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