Savings rates in plain figures, not "up to"
Easy access, fixed bonds and ISAs — every rate here is what you'd actually be quoted today.
Four ways to save, one ledger
AER = Annual Equivalent Rate, assuming interest stays in the account for a year.
Easy Access Saver
- £1 minimum to open
- Withdraw anytime, no penalty
- Variable rate
1-Year Fixed Bond
- £500 minimum to open
- Rate fixed for the full term
- No access until maturity
Cash ISA
- Uses your annual ISA allowance
- Transfer in from another provider
- Variable rate
Regular Saver
- Save £25–£300 a month
- Existing current account required
- Rate fixed for 12 months
Which account suits which goal
Building an emergency fund
Easy Access keeps your money reachable if something comes up, with no notice period.
Money you won't need for a year
A Fixed Bond locks in today's rate, so a future rate cut doesn't affect you.
Saving a set amount monthly
A Regular Saver rewards consistent monthly deposits with the highest rate on this page.
Savings FAQs
AER stands for Annual Equivalent Rate. It shows what the interest rate would be if paid and compounded once a year, so you can compare accounts fairly.
Fixed Bonds don't allow access until maturity. If you might need the money sooner, Easy Access or a Cash ISA may suit better.
Your ISA allowance is set each tax year by HMRC and applies across all ISAs you hold, not per provider.
Eligible deposits at a real UK bank are typically covered by the Financial Services Compensation Scheme up to the standard protected limit per person, per institution.
Put your savings to work
Open an account online in minutes, or ask a branch to talk you through it.