Not owned by a bank
Refreshed regularly
Free to use forever
Six UK savings products ranked on AER — easy-access, fixed-term, Cash ISAs and regular savers. All FSCS-protected.
See today’s top picks
The right savings account depends on three things: how soon you might need the cash, whether you have used your annual ISA allowance, and how much you’re saving relative to your Personal Savings Allowance (£1,000 for basic-rate, £500 for higher-rate UK taxpayers). For an emergency fund you almost certainly want easy-access. For a deposit you won’t touch for 12+ months, a fixed-rate bond beats easy-access by 30–50 basis points on average.
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Subject to status. UK residents 18+. Terms apply.
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Subject to status. UK residents 18+. Terms apply.
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Subject to status. UK residents 18+. Terms apply.
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AER variable. Subject to status. UK residents 18+. Terms apply.
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Subject to status. UK residents 18+. Terms apply.
Keep three to six months of essential outgoings in an easy-access account; fill your annual £20,000 ISA allowance if you have surplus and your interest is close to your Personal Savings Allowance; and ladder fixed-rate bonds for anything you can lock away for 12 or 24 months. Be wary of introductory bonus rates that drop sharply after 12 months.
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