Savings Accounts

Savings Accounts

Compare Latest UK Savings Offers

Savings Offer – Instant Access

Earn 4.90% AER

  • Provider – Hampshire Trust Bank
  • Instant Access Account
  • Minimum deposit – £1
  • Interest paid annually
  • Unlimited payments and withdrawals
  • FSCS Protected
Hampshire Trust Bank Online Easy Access Account »
Account
Hampshire Trust Bank Online Easy Access Account
Interest Rate
4.90%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Leeds Building Society Limited Issue Online Easy Access Account
Interest Rate
4.85%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
Leeds Building Society Home Deposit Saver
Interest Rate
5.15%
Gross/AER
Term
Withdrawals are limited to 1 each year
Minimum Deposit
£100
Account
GB Bank Base Rate Tracker Savings Account (brought to you by Wombat Invest)
Interest Rate
4.91%
Gross/AER
Term
Easy Access (one withdrawal per month)
Minimum Deposit
£500
Account
Chip Instant Access Account
Interest Rate
4.84%
AER
Term
Instant Access
Minimum Deposit
£1
Account
RCI Bank Freedom Savings Account
Interest Rate
4.75%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Investec Online Flexi Saver
Interest Rate
4.70%
AER
Term
Instant Access
Minimum Deposit
£5,000
Account
Post Office Online Saver
Interest Rate
4.60%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Yorkshire Building Society Easy Access Saver
Interest Rate
4.60%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Aldermore Easy Access Account
Interest Rate
4.50%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Investec Bank 90 Day Notice Account
Interest Rate
5.25%
AER
Term
90 Day Notice
Minimum Deposit
£5,000
Account
OakNorth Bank Base Rate Tracker 95 Day Notice Account
Interest Rate
5.37%
AER
Term
95 Day Notice
Minimum Deposit
£1
Account
RCI Bank 95 Day Notice Account
Interest Rate
4.95%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
RCI E-Volve 14 Day Notice Account
Interest Rate
4.80%
Gross/AER
Term
14 Day Notice
Minimum Deposit
£1,000

Ethical savings account All funds deposited will be used to fund pure electric vehicles and charging facilities

Account
Aldermore 30 Day Notice Account
Interest Rate
4.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Aldermore Double Access Account
Interest Rate
Up to 4.90%
Gross/AER
Term
Easy Access
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 1 Year Fixed Rate Bond
Interest Rate
5.05%
Gross/AER
Term
1 Year
Minimum Deposit
£1
Account
Aldermore Bank 1 Year Fixed Rate Bond
Interest Rate
4.75%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Investec 1-Year Fixed Rate Saver
Interest Rate
5.04%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 18 Month Fixed Rate Bond
Interest Rate
4.97%
Gross/AER
Term
18 Months
Minimum Deposit
£1
Account
Aldermore Bank 18 Month Fixed Rate Bond
Interest Rate
4.55%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
5.00%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 2 Year Fixed Rate Bond
Interest Rate
4.95%
Gross/AER
Term
2 Years
Minimum Deposit
£1
Account
Investec 2-Year Fixed Rate Saver
Interest Rate
4.70%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
4.35%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
NatWest Select Current Account
Features
Everyday current account
Funding Required
No minimum
Account fee
No fee
Account
NatWest Reward Current Account
Features
Up to £5 back in Rewards a month and at least 1% back on partner retailers*
Funding Required
£1,250 per month
Account fee
£2 per month
Account
Santander Everyday Current Account
Features
The current account for your every day banking needs
Funding Required
No minimum
Account Fee
No fee
Account
first direct 1st Account
Switch Offer
£175 welcome bonus
when you switch to a 1st Account
Funding Required
No monthly minimum
Interest Rate
Access to 7% AER/Gross on Regular Savings
Account Fee
FREE

Switch to a 1st Account and bank £175*

Account
Santander Edge Up Current Account
Features
3.50% AER (3.45% gross variable) on balances up to £25,000, and up to 1% cashback on household bills, supermarket and travel costs (exclusions apply)
Funding Required
£1,500 per month
Account Fee
£5 pm
Account
Santander Edge Current Account
Features
Earn cashback every month on selected household bills and essential spend, plus get access to an exclusive savings account paying 7% AER
Funding Required
£500 per month
Account fee
£3 per month
Account
Royal Bank of Scotland Select Current Account
Features
Everyday current account
Funding Required
No minimum
Account fee
No fee
Account
Royal Bank of Scotland Reward Current Account
Features
Up to £5 back in Rewards a month and at least 1% back on partner retailers*
Funding Required
£1,250 per month
Account fee
£2 per month
Account
Nationwide FlexDirect Current Account
Interest Rate
5%
AER fixed on balanced up to £1,500
Funding Required
£1,000 per month
Overdraft rate
0% for 12 months
Account
Aldermore 120 Day Notice Account
Interest Rate
4.80%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1,000
Account
UBL 95 Day Notice Account
Interest Rate
2.71%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
4.76%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
4.70%
Gross/AER
Term
3 Years
Minimum Deposit
£1
Account
Leeds Building Society 3 Year Fixed Rate Bond
Interest Rate
4.15%
Gross/AER
Term
3 Years
Minimum Deposit
£100
Account
Investec 3-Year Fixed Rate Saver
Interest Rate
4.45%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
4.10%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
4.25%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 5 Year Fixed Rate Bond
Interest Rate
4.55%
Gross/AER
Term
5 Years
Minimum Deposit
£1
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Plum Cash ISA
Interest Rate
5.17%*
AER
Term
Easy Access
Minimum Deposit
£1
Account
Leeds Building Society Limited Issue Online Easy Access Cash ISA
Interest Rate
4.75%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
moneybox Cash ISA
Interest Rate
4.75%*
AER
Term
Easy Access
Minimum Deposit
£500
Account
Aldermore Bank 30 Day Notice Cash ISA
Interest Rate
4.50%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Aldermore Bank 1 Year Cash ISA
Interest Rate
4.65%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
NatWest 1 Year Cash ISA
Interest Rate
4.45%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK resident. Sole accounts only. Rate available until 31st July 2024 for new customers and 5th August 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day of April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest, except for a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Leeds Building Society 2 Year Cash ISA
Interest Rate
4.35%
Gross/AER
Term
2 Years
Minimum Deposit
£100
Account
Leeds Building Society 3 Year Cash ISA
Interest Rate
4.15%
Gross/AER
Term
3 Years
Minimum Deposit
£100
Plan Name

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return
6.35% pa
(alternative defensive option: 5.8%)
Term
Up to 6 years
ISA Option

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Annual Fixed Interest Deposit Plan

Annual Income
4.6%
fixed income per year
Term
4 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Monthly Fixed Interest Deposit Plan

Annual Income
4.5%
fixed income per year, paid monthly
Term
4 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Account
Hampshire Trust Bank Online Easy Access Account
Interest Rate
4.90%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Leeds Building Society Limited Issue Online Easy Access Account
Interest Rate
4.85%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
Leeds Building Society Home Deposit Saver
Interest Rate
5.15%
Gross/AER
Term
Withdrawals are limited to 1 each year
Minimum Deposit
£100
Account
Chip Instant Access Account
Interest Rate
4.84%
AER
Term
Instant Access
Minimum Deposit
£1
Account
GB Bank Base Rate Tracker Savings Account (brought to you by Wombat Invest)
Interest Rate
4.91%
Gross/AER
Term
Easy Access (one withdrawal per month)
Minimum Deposit
£500
Account
Investec Online Flexi Saver
Interest Rate
4.70%
AER
Term
Instant Access
Minimum Deposit
£5,000
Account
RCI Bank Freedom Savings Account
Interest Rate
4.75%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Post Office Online Saver
Interest Rate
4.60%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Yorkshire Building Society Easy Access Saver
Interest Rate
4.60%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Aldermore Easy Access Account
Interest Rate
4.50%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Investec Bank 90 Day Notice Account
Interest Rate
5.25%
AER
Term
90 Day Notice
Minimum Deposit
£5,000
Account
OakNorth Bank Base Rate Tracker 95 Day Notice Account
Interest Rate
5.37%
AER
Term
95 Day Notice
Minimum Deposit
£1
Account
RCI Bank 95 Day Notice Account
Interest Rate
4.95%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
RCI E-Volve 14 Day Notice Account
Interest Rate
4.80%
Gross/AER
Term
14 Day Notice
Minimum Deposit
£1,000

Ethical savings account All funds deposited will be used to fund pure electric vehicles and charging facilities

Account
Aldermore 120 Day Notice Account
Interest Rate
4.80%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 30 Day Notice Account
Interest Rate
4.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Aldermore Double Access Account
Interest Rate
Up to 4.90%
Gross/AER
Term
Easy Access
Minimum Deposit
£1,000
Account
Leeds Building Society E-Saver Instant Access Account
Interest Rate
2.45%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
UBL 95 Day Notice Account
Interest Rate
2.71%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 1 Year Fixed Rate Bond
Interest Rate
5.05%
Gross/AER
Term
1 Year
Minimum Deposit
£1
Account
Investec 1-Year Fixed Rate Saver
Interest Rate
5.04%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Aldermore Bank 1 Year Fixed Rate Bond
Interest Rate
4.75%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
4.60%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 18 Month Fixed Rate Bond
Interest Rate
4.97%
Gross/AER
Term
18 Months
Minimum Deposit
£1
Account
Aldermore Bank 18 Month Fixed Rate Bond
Interest Rate
4.55%
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
5.00%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 2 Year Fixed Rate Bond
Interest Rate
4.95%
Gross/AER
Term
2 Years
Minimum Deposit
£1
Account
Investec 2-Year Fixed Rate Saver
Interest Rate
4.70%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Aldermore Bank 2 Year Fixed Rate Bond
Interest Rate
4.35%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
4.76%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 3 Year Fixed Rate Bond
Interest Rate
4.70%
Gross/AER
Term
3 Years
Minimum Deposit
£1
Account
Investec 3-Year Fixed Rate Saver
Interest Rate
4.45%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
Aldermore Bank 3 Year Fixed Rate Bond
Interest Rate
4.10%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Leeds Building Society 3 Year Fixed Rate Bond
Interest Rate
4.15%
Gross/AER
Term
3 Years
Minimum Deposit
£100
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
4.25%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 5 Year Fixed Rate Bond
Interest Rate
4.55%
Gross/AER
Term
5 Years
Minimum Deposit
£1
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
4.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Plum Cash ISA
Interest Rate
5.17%*
AER
Term
Easy Access
Minimum Deposit
£1
Account
Leeds Building Society Limited Issue Online Easy Access Cash ISA
Interest Rate
4.75%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
moneybox Cash ISA
Interest Rate
4.75%*
AER
Term
Easy Access
Minimum Deposit
£500
Account
Aldermore Bank 1 Year Cash ISA
Interest Rate
4.65%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Leeds Building Society 1 Year Cash ISA
Interest Rate
4.65%
Gross/AER
Term
1 Year
Minimum Deposit
£100
Account
Aldermore Bank 30 Day Notice Cash ISA
Interest Rate
4.50%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
NatWest 1 Year Cash ISA
Interest Rate
4.45%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK resident. Sole accounts only. Rate available until 31st July 2024 for new customers and 5th August 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day of April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest, except for a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Royal Bank of Scotland 1 Year Cash ISA
Interest Rate
4.45%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK resident. Sole accounts only. Rate available until 14th August 2024 for new customers and 19th August 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day of April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA, you will not be able to make any further payments for that tax year into any other cash ISA with Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Leeds Building Society 2 Year Cash ISA
Interest Rate
4.35%
Gross/AER
Term
2 Years
Minimum Deposit
£100
Account
Aldermore Bank 2 Year Cash ISA
Interest Rate
4.30%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Aldermore Bank Easy Access Cash ISA
Interest Rate
4.25%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
Leeds Building Society 3 Year Cash ISA
Interest Rate
4.15%
Gross/AER
Term
3 Years
Minimum Deposit
£100
Account
Aldermore Bank 3 Year Cash ISA
Interest Rate
4.05%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
NatWest 2 Year Cash ISA
Interest Rate
4.10%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK resident. Sole accounts only. Rate available until 31st July 2024 for new customers and 5th August 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day of April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest, except for a NatWest Help to Buy: ISA. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Royal Bank of Scotland 2 Year Cash ISA
Interest Rate
4.10%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Terms and Conditions: You must be 18 or over and a UK resident. Sole accounts only. Rate available until 14th August 2024 for new customers and 19th August 2024  for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to our ISA on the first business day of April and on the Maturity Payment Date. You can withdraw money from your account prior to the Start Date of the account. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch or via telephone. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA, you will not be able to make any further payments for that tax year into any other cash ISA with Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be decided from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Account
Leeds Building Society E-ISA Instant Access Cash ISA
Interest Rate
2.45%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
OakNorth Bank Base Rate Tracker 95 Day Notice Account
Interest Rate
5.37%
AER
Term
95 Day Notice
Minimum Deposit
£1
Account
Investec Bank 90 Day Notice Account
Interest Rate
5.25%
AER
Term
90 Day Notice
Minimum Deposit
£5,000
Account
RCI Bank 95 Day Notice Account
Interest Rate
4.95%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
RCI E-Volve 14 Day Notice Account
Interest Rate
4.80%
Gross/AER
Term
14 Day Notice
Minimum Deposit
£1,000

Ethical savings account All funds deposited will be used to fund pure electric vehicles and charging facilities

Account
Aldermore 120 Day Notice Account
Interest Rate
4.80%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 30 Day Notice Account
Interest Rate
4.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
UBL 95 Day Notice Account
Interest Rate
2.71%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
first direct 1st Account
Switch Offer
£175 welcome bonus
when you switch to a 1st Account
Funding Required
No monthly minimum
Interest Rate
Access to 7% AER/Gross on Regular Savings
Account Fee
FREE

Switch to a 1st Account and bank £175*

Account
NatWest Select Current Account
Features
Everyday current account
Funding Required
No minimum
Account fee
No fee
Account
Santander Everyday Current Account
Features
The current account for your every day banking needs
Funding Required
No minimum
Account Fee
No fee
Account
Chase Current Account
Features
1% cashback on your everyday debit card spending for your first 12 months. Cashback exceptions and limits apply. Plus access to a 4.1% AER easy access saver account
Funding Required
No monthly minimum
Account fee
FREE
Account
Nationwide FlexDirect Current Account
Interest Rate
5%
AER fixed on balanced up to £1,500
Funding Required
£1,000 per month
Overdraft rate
0% for 12 months
Account
NatWest Reward Current Account
Features
Up to £5 back in Rewards a month and at least 1% back on partner retailers*
Funding Required
£1,250 per month
Account fee
£2 per month
Account
Santander Edge Up Current Account
Features
3.50% AER (3.45% gross variable) on balances up to £25,000, and up to 1% cashback on household bills, supermarket and travel costs (exclusions apply)
Funding Required
£1,500 per month
Account Fee
£5 pm
Account
Nationwide FlexPlus Current Account
Special Features
Free UK & European Breakdown insurance, worldwide travel insurance, and family mobile insurance
Arranged Overdraft
Account Fee
£13 per month
Account
Nationwide FlexAccount Current Account
Account fee
No fee
Funding Required
No minimum
Arranged Overdraft rate
39.9%
Account
Santander 1|2|3 Mini Current Account
Features
3% interest AER
(2.96% gross)
Interest Earned Between
£1,500 to 2,000
Minimum Deposit
No minimum
Account
Royal Bank of Scotland Select Current Account
Features
Everyday current account
Funding Required
No minimum
Account fee
No fee
Account
Royal Bank of Scotland Reward Current Account
Features
Up to £5 back in Rewards a month and at least 1% back on partner retailers*
Funding Required
£1,250 per month
Account fee
£2 per month
Account
Cashplus Current Account
Features
No credit checks - instant online decision. Apply from your mobile and manage your money with the banking app. Add Creditbuilder to your account and it could help build your credit rating at no extra cost
Adverse Credit
Account
Santander Edge Student Current Account
Features

A free 4-year Santander 16-25 Railcard worth £100 plus a total average saving of £768 (average saving of £192 per year)

Funding Required
£500 every 4 months
Overdraft
£1,500 Interest Free increasing to £2,000. Subject to status

Open a Santander Edge Student current account and pay in £500 by 30 September 2024 and you’ll be entered into a prize draw for a chance to win up to 3 years’ worth of tuition fees. There are 20 prizes of £27,750 and 30 prizes of £9,250. T&Cs apply

Account
Currensea Mobile App Bank Account
Features
Spend in confidence, whilst saving money on your overseas purchases
Spend & Transfer Money Abroad
Account fee
FREE
Account
Monese Multi-Currency Mobile App Bank Account
Features
Multi-currency banking app that provides you with fast and free current accounts in 31 countries
Spend & Transfer Money Abroad for Free
Account fee
£0 to £14.95 per month
Account
Revolut Mobile App Current Account
Features
Modern banking: set up and manage current account directly from your phone
Spend & Transfer Money Abroad
Standard Account Fee
£0

SPCIAL OFFER: 3 months of free Revolut Premium trial. T&C’s Apply

Plan Name

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return
6.35% pa
(alternative defensive option: 5.8%)
Term
Up to 6 years
ISA Option

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Annual Fixed Interest Deposit Plan

Annual Income
4.6%
fixed income per year
Term
4 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK 4Y Monthly Fixed Interest Deposit Plan

Annual Income
4.5%
fixed income per year, paid monthly
Term
4 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Account Details
Business Account which invests in ETF's, offering the potential to earn more on your cash reserves
Investment Choice
Choice of Managed Portfolios or Invest Yourself with a choice of 650+ exchange‑traded funds (ETFs)
Fees
0.25% pa for Managed portfolios (ETF costs also apply). DIY investing service is fee‑free (all you pay is ETF costs)
Covered by the Financial Services Compensation Scheme (FSCS)
Account
Aldermore Bank 1 Year Business Fixed Rate Bond
Interest Rate
4.51%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Ampere Business Current Account
Details
Open a business account in minutes, giving you complete control of your funds from one app. Ampere offer the lowest exchange rates and lightning-fast transactions for secure payments
Debit Card
Monthly Account Fee
£20

Account
Aldermore Easy Access Business Savings
Interest Rate
3.66%
Gross/AER
Term
Easy Access
Minimum Deposit
£1,000
Account
Aldermore Bank 6 Month Business Fixed Rate Bond
Interest Rate
4.10%
Gross/AER
Term
6 Months
Minimum Deposit
£1,000
Account
Monese Business Current Account
Details
Mobile account for UK registered businesses. Fast to open, free contactless card, and supported in 14 languages. Send or receive money from over 30 countries
Debit Card
Monthly Account Fee
£9.95
Account
MultiPass Business Bank Account
Details
Apply today and enjoy intentionally simple business banking with MultiPass
Debit Card
Monthly Account Fee
From £23

Account
Revolut Pro Business Account
Details
A global business account which caters to freelancers, sole traders, contractors, and self-employed individuals looking to more easily, efficiently and conveniently manage business funds
Cashback
Earn 1% cashback on card spend
Monthly Account Fee
From FREE (standard account)
Account
Tide Business Current Account
Details
Access to Instant Saver Account paying 4.33% AER. For companies of all shapes and sizes. Trusted by 130,000+ UK businesses
Debit Card
Monthly Account Fee
FREE

Access to Instant Saver Account paying 4.33% AER*

*Open a free Tide business current account using referral code FAIRINVESTMENT and you can then open a Tide Instant Saver account in-app and start saving from just £1 (T&Cs apply)
Account
Go Solo Business Bank Account
Details
Open a business bank account with a debit card and start trading. Additional option to register a new UK limited company
Debit Card
Monthly Account Fee
FREE to Start

Account
OuiTrust Business Bank Account
Details
Open your multi-currency business account in minutes. Save money on international payments
Debit Card
Monthly Account Fee
FREE to Start

Account
Cashplus Business Account
Details
Sign up in minutes for Business Bank Account with no monthly or annual fee
Debit Card
Monthly Account Fee
No Monthly Fee
Account
Card One Business Account
Details
Apply in minutes with no credit checks. Card One just need to verify your identity & residency. Suitable for businesses of all sizes
Debit Card
Monthly Account Fee
£12.50
Account
Anna Business Current Account
Details
ANNA Money is the business current account for startups, small businesses and sole traders
Debit Card
Monthly Account Fee
FREE for 6 months*
Account
Currensea Business Current Account
Details
Currensea is a new way to globalise existing business bank accounts. Pay in every currency without the fees
Debit Card
Monthly Account Fee
FREE
Type of Card
Wallester Pre-Paid Business Card
Integrates with Accounting Systems
Details

All-in-one solution to control corporate spending. Unlimited number of physical VISA payment cards, as well as virtual cards instantly ready to use, for any size business

Monthly Fee
FREE (for basic plan)

Wallester Pre-Paid Business VISA Card

Type of Card
Moss Pre-Paid Business Card
Integrates with Accounting Systems
Details

Take charge of your company spend. Less paperwork, but more control over spend, faster month-end, and more accurate reporting

Plans Available
3 plans with variety of functionality

Moss Pre-Paid Business MasterCard

Type of Card
FairFX Pre-Paid Business MasterCard
No Credit Check to Open
Details

Issue FairFX MasterCards to staff, and use the online platform to instantly load cards, monitor spending, and upload transaction data in accounting software at any time

Available to
Any registered business in the EU including Sole traders, SMEs, Charities, Trusts, PLCs, & Multinationals

FairFX Pre-Paid Business MasterCard

Hampshire Trust Bank – Online Easy Access Account

Hampshire Trust Bank  offer a very competitive instant access savings account:

  • Instant access savings 4.90% AER/Gross pa (variable) interest rate for balances over £1
  • Interest is paid annually
  • Unlimited deposits and withdrawals
  • Minimum deposit – £1
  • Protected by the FSCS

Quick online application setup from Hampshire Trust Bank

 

Leeds Building Society – Limited Issue Online Access Account

Leeds Building Society  also offer a very competitive instant access savings account:

  • Instant access savings 4.85% AER/Gross pa (variable) interest rate for balances over £1,000
  • Interest is paid annually
  • Unlimited deposits and withdrawals
  • Minimum deposit – £1,000
  • Protected by the FSCS

Quick online application setup from Leeds Building Society

Chip Savings – Instant Access Account

Chip offer a competitive instant access account:

  • Instant access savings 4.84% AER/Gross pa (variable)
  • Interest is paid monthly
  • Unlimited deposits and withdrawals
  • Open and manage account online
  • Low minimum deposit – £1
  • Protected by the FSCS

Quick online application setup from Chip

 

RCI Bank – Freedom Saver Account

RCI Bank also offer a competitive instant access savings account:

  • Instant access savings 4.75% AER/Gross pa (variable) interest rate
  • Interest is paid monthly or annually
  • Open in single or joint name
  • Unlimited deposits and withdrawals
  • Low minimum deposit – £100
  • Protected by the FSCS

Quick online application setup from RCI Bank

 

Investec Bank – Online Flexi Saver

Investec Bank  offer an instant access savings account:

  • Instant access savings 4.70% AER/Gross pa (variable)
  • Interest is paid monthly, either to linked bank account or adding back in
  • Unlimited deposits and withdrawals
  • Minimum deposit – £5,000
  • Protected by the FSCS

Quick online application setup from Investec Bank

 

Post Office Savings – Online Saver Account

Post Office Savings also offer an instant access savings account:

  • Instant access savings 4.60% AER/Gross pa (variable) interest rate
  • Interest is paid monthly or annually
  • Open in single or joint name
  • Includes bonus, rate drops to underlying rate after 12 months
  • Low minimum deposit – £1
  • Protected by the FSCS

Quick online application setup from Post Office Savings

 

Yorkshire Building Society – Internet Saver Plus Account

Yorkshire Building Society  also offer an instant access savings account:

  • Instant access savings 4.60% AER/Gross pa (variable) interest rate for balances over £1
  • Interest is paid annually
  • Open in single or joint name
  • Unlimited deposits and withdrawals
  • Minimum deposit – £1
  • Protected by the FSCS

Quick online application setup from Yorkshire Building Society

 

Aldermore Bank – Easy Access Account

Aldermore Bank also offer an instant access savings account:

  • Instant access savings 4.50% AER/Gross pa (variable) interest rate
  • Interest is paid monthly or annually
  • Open in single or joint name
  • Unlimited deposits and withdrawals
  • Minimum deposit – £1,000
  • Protected by the FSCS

Quick online application setup from Aldermore Bank

 

 

With UK savings rates at an all time low you need to take action to ensure your savings are getting the best interest deal possible.

Many savings accounts below-inflation interest rates, which means people’s savings are being eroded in real terms. While there are many savings accounts on the market, many do not offer much of a financial advantage as they offer interest that only matches the base rate set by the Bank of England.

For savers looking to access their money regularly, a good instant access savings account will offer flexible withdrawal facilities while combining these with a good rate of interest.

When trying to save money for the future, there are several options open to cash savers. Options include instant access savings accounts, easy access savings accounts, notice savings accounts, fixed rate bonds and structured deposit plans.

With interest rates increasing due to base rate increases from the Bank of England, it can pay to shop around for the best fixed saving deal. For savers who are prepared to tie up capital for a year or more, typically higher rates of interest are available from savings providers.

A fixed rate bond is a way of gaining a fixed rate of higher interest on your savings for a fixed period of time, typically between one and five years. Generally speaking the longer your savings can be locked away, the higher the interest rate you can get on your money. Some providers offer fixed rate bonds within a Cash ISA, so you benefit from tax-free interest returns.

Providers normally have a minimum subscription age of 18, but some providers offer options to younger savers.

Normally there is a minimum commitment for depositing money into a fixed rate bond – usually around £1,000, but this can be more. This makes bonds unsuitable for those who wish to top up a savings account in small increments, as this is not usually possible beyond the first lump sum, therefore could look into alternative savings and investments plans.

Having a fixed term means that bonds have a maturity date at which time you will be contacted by your savings provider and provided with options on how you wish your money to be returned to you – you may be given options of putting the money into a new account in which case you should always shop around before accepting a savings deal offered by an existing provider as the rate of interest may or may not be competitive.

Product providers do not normally allow you to access your money during the term and if they do there are normally conditions which may involve a loss of interest so ensure you read the small print before you sign up. Some fixed interest providers will allow one withdrawal a year without penalties.

Interest paid on your savings is treated as income and you may have to pay tax on it depending on your circumstances. If you don’t pay tax you can receive interest gross if you complete HMRC tax form R85. Some accounts will pay interest gross and it is up to you to declare any tax owed to the Inland Revenue.

Fixed rate bonds are cash deposit based and you will get back your original deposit plus any interest owed unless the bank or building society gets into serious financial difficulty. In the unlikely event that this happens the Financial Services Compensation Scheme would pay compensation of up to £85,000 per account holder per authorised institution.

The length of time that savers choose to deposit their money depends on personal financial time frames and other budget and savings considerations. If you need rapid access to your cash, bonds are possibly not the best savings option – it might be preferable to look at an alternative savings options or just an instant access savings accounts.

Minimum deposits can vary from £1 to £10,000. Make sure that you are happy to part with that amount of money for a longer period of time! It is worthwhile having a five-year plan of projected expenses – such as mortgages, car purchases, or planning for a family or retirement – to ensure that you will not need access to your fixed rate bonds account.

Withdrawals are either not permitted or restrictions will apply. Read the provider terms and conditions so that you know what you are getting into. Some providers for example will allow one withdrawal during the term without penalties.

The payment of interest can also vary- some offer monthly interest, others quarterly or annually, and some only pay at the end of the agreed term. Choose a product that fits in with your requirements for the best rates of high interest.

Tax is payable on interest accrued unless you are a non tax payer in which case you can receive interest gross if you complete HMRC tax form R85. Alternatively it is often possible to take a Cash ISA fixed rate bond (current cash ISA allowance for 2018/19 is £20,000 per individual) from which interest can be taken tax free.

If you have cash ISAs from previous tax years you may be able to transfer to a new Cash ISA provider offering a fixed rate bond cash ISA deal.

Please note that this information is based on current law and practice which may change at any time.

1. Consider all options – from instant access to fixed rate bonds to instant access options – All have advantages and disadvantages when trying to build a nest egg for the future.

2. Check the market – shop around to find the right savings plan for you. Interest rates change all the time, and deals come and go on a regular basis.

3. Make sure you find a product that works for you –  The choice of bond is dependent on the amount of money you intend to deposit, the fixed rate, and the length of the fixed rate period. Whether you want the account to be operated on an online account basis, postal basis or telephone basis. These should all be taken into consideration before making your choice. Read the savings provider terms and conditions carefully.

4. Read the fine print – determine when the provider is likely to let you access your money, how much notice is required, and if there are any penalties for requesting access before the bond matures.

5. Some deals require you to have the interest paid into a current account – check the small print.

6. Check the small print on how interest is paid –  If monthly or annually, this will need to be declared if you submit a tax return. If interest is paid on maturity, this may be useful for tax planning purposes.

7. Many deals require you to have internet access –  Some are offered on a postal or branch basis – check the small print.

8. Check that your money is covered by the Financial Services Compensation Scheme – they will guarantee £85,000 of savings against institutional failure. Most UK banks should have this cover, but Irish banks that do not have a UK arm may not be covered by the FSCS.

9. Check what happens when your savings product matures – Providers will write to you when your account matures; if you do not respond, the provider will often put your savings into a low or no-interest holding account until you provide instructions on what you want to do with the money. It is therefore important to diarise the maturity of your bond and have in mind what you want to do with the money.

10. What is the tax treatment if you are a non-taxpayer – If you are not a taxpayer, many providers will pay interest gross on submission of the relevant HMRC tax form.

Current Account – Earn up to 7% AER on linked regular savings 

Some of the best rates of interest you will get on cash currently are on current accounts. The Santander’s Edge Current Account offers 7% AER for their linked Regular Savings Account, for balances up to £4,000.