Good deals, without the digging.

SantanderSantander £240 switch offer

You need to open their regular saver and deposit £200 on top of the £1500 pay in and 2 direct debits.

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You pick one benefit at a time and can switch between them: 2.75% AER interest on your balance, 3% cashback on eating out, or Direct Debit cashback. You cannot have all three.

TemboTembo regular saver

Includes a boosted rate of 3% base + 5% for 12 months, then drops to just 3% AER.

Bank Account

Apply in the mobile app only, and pay in £2,000 plus spend £500 on the card within 60 days.

NatWestSelect or Reward

You must not have held a NatWest current account on 6 May 2026, and a previous NatWest Group switch bonus rules you out for good.

NationwideFlexDirect, FlexAccount or FlexPlus

All three accounts qualify, but only FlexDirect and FlexAccount are fee-free. FlexPlus costs £18 a month.

first direct1st Account

New customers only: you cannot have held a first direct product before, or have opened an HSBC current account on or after 1 January 2018.

first directRegular Saver

Current-account customers only, and monthly saving only

cahootSunny Day Saver

Interest is paid only on the first £3,000, and the account lasts 12 months.

Investec3-Year Fixed Rate Saver

It is a 36-month fixed term account, so your money is tied up for the full three years.

Principality BS1 Year Regular Saver Bond

Monthly saving only, you can’t deposit a lump sum

Vida Bank1 Year Fixed Rate ISA

Fixed for one year: taking money out early costs 90 days' interest on the amount withdrawn.

Atom Bank2 Year Fixed

Money locked for two years

ChipSmart Cash ISA

The boost lasts 12 months and is for new Chip customers. Closing or transferring out loses interest not yet paid that month.

cahootSimple Saver

The rate runs for 12 months, and interest is paid only on the first £500,000.

Shawbrook1 Year Fixed

No access until maturity

StarlingBusiness Current Account

Only limited companies and LLPs registered at Companies House can apply; general partnerships and unregistered charities are not supported.

MettleBusiness Account

For sole traders and limited companies with up to two owners, with a balance limit of £1 million. FreeAgent stays included only while you make at least one transaction a month.

NatWestStart-up Bank Account

For businesses trading under a year with turnover under £1 million. After the free period you move to the Standard Tariff's transaction charges, which NatWest prices per transaction rather than as one monthly fee.

Allica BankBusiness Rewards Account

Built for established businesses: Allica describes customers typically incorporated for at least 12 months who deposit £50,000 or more. The 4.08% savings rate and 1.5% cashback are "up to" figures with conditions attached.

Redwood Bank95 Day Business Savings Account

You need at least £10,000 to open it, and every withdrawal takes 95 days' notice.

Allica Bank12-Month Fixed-Rate Business Savings

Your money can't be withdrawn until the fixed term ends, and the deposit window closes two weeks after opening.

Trading 212Cash ISA

Nothing significant found. Check the provider's terms before applying.

BarclaysBarclays Bank Account

Only £150 is paid for switching and paying in a minimum £2,000 salary within 30 days. The other £150 needs five months of account use, including 10 eligible debit card transactions and £2,000 salary each month.

ChaseCurrent Account

The cashback needs at least 15 payments a month, and it only counts card purchases: Direct Debits and bank transfers do not earn it.

KrooCurrent Account

The 3.00% includes a 2.00% bonus fixed for 12 months, then the rate tracks 2.75% below Bank Rate, and you cannot send money outside the UK.

LloydsClub Lloyds account

The £5 monthly Club Lloyds fee is refunded any month you pay in £2,000 or more. You need to move at least 3 active direct debits, and direct debits set up after you start the switch do not count. You cannot get it if you have taken a switching offer from Lloyds, Halifax or Bank of Scotland since January 2023.

NatWestPremier Select account

Premier customers only: you need £100k sole or £120k joint income paid in, £100k in savings or investments with NatWest, or a £500k NatWest mortgage, and you must pay in £15,000 within 90 days

StarlingCurrent Account

Starling pays no interest on your balance, and its arranged overdraft is priced between 15.0% and 35.0% depending on your circumstances.

Castle Trust Bank5 Year Fixed Rate e-Cash ISA

Online only. Interest is paid when the fix ends, and leaving early costs 360 days' interest.

ChaseSaver

You need a Chase current account to open it

ChaseChase Regular saver

Max deposit £300 per month, need a chase current account

2 Year Fixed Rate Cash ISA

Your full deposit or transfer instruction has to arrive within 10 days, and taking money out early means closing the account.

Cynergy BankCynergy bank easy access saver

Boosted rate for 12 months, interest paid annually.

5 Year Fixed Rate Deposit (Issue 9)

No additional deposits or early withdrawals for the full five years.

GB BankGB Bank 1yr fix saver

Money is locked away for the 1 year fixed period.

Hodge BankHodge bank 1yr fixed

No ISA transfers in, £1,000 minimum paid in within 14 days, and leaving early means withdrawing the whole balance and paying 90 days' interest.

Investec90 Day Notice

£5,000 minimum, and 90 days’ notice to withdraw

Investec2-Year Fixed Rate Saver

No access to your money until the two-year term ends, and you need at least £5,000 to open it.

Investec1-Year Fixed Rate Saver

£5,000 minimum, funded within seven days of opening, and no access to your money until the one-year term ends.

LemFiInstant Access Account

Includes a bonus rate for 6 months then drops to 3.04%

LloydsMonthly Saver

Minimum £25 a month deposit, if money is withdrawn then you can't replace it.

Mansfield regular saver

Includes a 2.75% bonus for 12 months, meaning the rate then drops down to 3.25%. It is a variable rate, so it could go down. Only one withdrawal per calendar year allowed.

Moneybox Cash ISA

Four or more withdrawals in any 12 months from opening, or a balance under £500, drop the rate to 0.75% AER and lose the bonus.

Monmouthshire Building SocietyRegular Saver

Not available for residents of Northern Ireland, Variable rate so could go up or down.

MonumentEasy Access

£25,000 minimum across your Monument accounts

Nationwide5 Year Fixed Rate Cash ISA

Getting money out early means closing the ISA and paying 300 days' interest, you cannot top it up after opening, and new Nationwide customers must apply in branch.

Nationwide2 Year Fixed Rate Cash ISA

Getting money out early means closing the ISA and paying 120 days' interest, you cannot top it up after opening, and new Nationwide customers must apply in branch.

NS&IDirect ISA

Not a flexible ISA, you cannot transfer other ISAs into it, and the rate sits well below the best cash ISAs.

Paragon1 Year Fixed ISA

Early withdrawal costs 90 days’ interest

Progressive building society regular saver

Only £200 max monthly deposit.

Santander2 Year Fixed Term Saver

No additional deposits, withdrawals or closures until the term ends on 1 November 2028, so the money is locked for the full two years.

SantanderRegular Saver

Needs a Santander current account. The 8.00% includes a 5.00% bonus for the first 12 months, then drops to 3.00%.

Santander2 Year Fixed Rate ISA

One Santander Cash ISA per tax year. The AER assumes money is paid in by 1 November 2026.

Shawbrook1 Year Fixed Rate Plus Cash ISA (Issue 1)

New customers only, with a £10,000 minimum. Ask for any transfer in when you apply.

Shawbrook2 Year Fixed Rate Plus Cash ISA (Issue 1)

New customers only, with a £10,000 minimum. Ask for any transfer in when you apply.

Shawbrook5 Year Fixed Rate Cash ISA

Leaving early costs 360 days' interest. Ask for any transfer in when you apply.

Skipton Building Society5 Year Fixed Rate Cash ISA

Money must arrive by 11 November 2026. No partial withdrawals, and it rolls into a 1-year fix at maturity unless you say otherwise.

Tandem Bank1 Year Fixed Rate Cash ISA

App only. Leaving early means closing the account.

Tandem Bank2 Year Fixed Rate Cash ISA

App only, fund within 14 days. To get money out early you close the whole account.

Tandem Bank5 Year Fixed Rate Cash ISA

App only. Leaving early costs 365 days' interest.

TemboTembo easy access saver

Max deposit of £20,000, includes a 1.55% boosted rate for 12 months.

The Co-operative BankRegular Saver

No catches other than you need to pay in a minimum of £1 in 30 days to keep the account open.

ZopaZopa smart saver

The 1.06% bonus is for new savings customers only, on the first £50,000, for 12 months. A 4th withdrawal in a year drops the rate to 2.00%.

ZopaZopa cash isa - 1yr fix

Breaking the fix early closes the pot and costs 90 days' interest, you can only pay in during the first 30 days, and it is not a flexible ISA.

Allica BankEasy Access Business Savings

The rate is variable and sits well below Allica's own fixed and notice rates; instant access is what you're paying for.

BarclaysBusiness Current Account

The free year is for businesses new to Barclays, and transaction charges apply on top of the monthly fee.

LloydsBusiness Account

The 6 months' free Xero and £200 Amazon gift card offer carries its own conditions, and charges beyond the account fee still apply to how you use the account.

MonzoBusiness Lite

Lite is the free plan; the tax pots, expense tools and team features sit on Pro (£9 a month) and Team (from £25 a month).

SantanderBusiness Current Account – Classic

The free year is for start-ups and switchers; otherwise the £9.99 standard monthly fee applies. For UK-registered businesses with up to 2 directors, owners or partners.

Shawbrook1 Year Fixed Rate Business Bond

£5,000 minimum, locked for the full year, and not open to LLPs, charities or trusts.

TideFree plan

The plan fee is £0, but usage fees sit outside it: check Tide's own pricing table for what your payments and deposits would cost.

AJ BellStocks & Shares ISA

Dealing charges on top of the annual fee

AJ Bell DodlStocks & Shares ISA

A cut-down range compared with the full AJ Bell platform

BestinvestStocks & Shares ISA

Share and ETF trades cost £4.95 each and US trades carry a 0.95% FX fee, on top of the 0.4% service fee.

ChipStocks & Shares ISA

The free plan limits you to 13 funds and charges at least £1 a month, and fund charges are on top.

FidelityStocks & Shares ISA

Under £25,000 you pay £7.50 a month flat unless you set up a regular savings plan

FreetradeStocks and Shares ISA

A 0.99% FX fee on every non-GBP trade on the free plan, and the lower FX rates and better cash interest need a paid plan.

Hargreaves LansdownStocks & Shares ISA

Share deals cost up to £6.95 each, and fund manager charges sit on top of the account fee

interactive investorStocks & Shares ISA

A flat fee costs more than a percentage on a small pot

InvestEngineStocks & Shares ISA

ETFs only, so no individual shares or funds

Legal & GeneralStocks and Shares ISA

Fund charges sit on top of the 0.25% service charge, and you can only hold Legal & General's own funds.

MoneyfarmStocks & Shares ISA

Fund costs of up to 0.21% sit on top of the 0.70% fee

NatWestNatWest Invest Stocks and Shares ISA

Only five ready-made funds to choose from, and 0.55% a year in total is high against the cheapest platforms.

VanguardStocks & Shares ISA

You can only hold Vanguard's own funds

American ExpressAmex Cashback everyday credit card

Amex isn't accepted everywhere. If the card is not paid in full then there is a high interest charge. You need to spend at least £3,000 on the card to qualify for any cashback.

BarclaycardForward Credit Card

At 33.9% representative APR, anything you do not clear each month gets expensive quickly.

BarclaycardAmazon Barclaycard

The 0.5% rate away from Amazon halves to 0.25% after 12 months, and you need a personal income over £20,000.

NatWestCredit Builder Credit Card

At 34.9% representative APR this is an expensive way to borrow, and NatWest states it carries no 0% offer.

NatWestReward Credit Card

The card costs £24 a year unless you hold a NatWest Reward current account, and the 31.0% representative APR is higher than its 25.9% purchase rate because of that fee.

NatWestTravel Reward Credit Card

There are no foreign transaction fees on purchases, but cash withdrawals abroad are charged separately and interest starts on them immediately.

NatWestThe NatWest Credit Card

No 0% period at all, and your rate could be up to 18.9% depending on NatWest's credit assessment.

NatWestReward Black Credit Card

The £84 annual fee is only refunded if you hold a Reward Black current account, and you need to earn at least £15,000 a year.

SantanderAll in One Credit Card

It costs £3 a month whether you use it or not, so the card charges £36 a year before any interest.

SantanderRewards Credit Card

The 3% rate lasts twelve months and covers only travel and eating out; everything else earns 0.25%, and so does everything after year one.

SantanderEveryday Long Term Balance Transfer Credit Card

The 3.15% fee is added up front, and after the first three months any new purchases are charged interest while a transfer is outstanding.

SantanderEveryday No Balance Transfer Fee Credit Card

Twelve months is a short window, and after the first three months new purchases are charged interest while a transfer is outstanding.

SantanderWorld Elite Mastercard

The £15 monthly fee is why the representative APR is 49.8%, and you would need to spend £3,000 a month to earn the cashback cap.

Tesco BankBalance Transfer Credit Card

The 3.15% transfer fee is charged up front, so moving £3,000 costs £94.50 before the 0% period starts.

Tesco BankBalance Transfer and Purchases Credit Card

The 2.95% transfer fee is charged up front and added to your balance, so the 0% window is not free.

Tesco BankLow Fee Balance Transfer Credit Card

A smaller fee buys a shorter window: 20 months here against 35 on their standard transfer card.

Tesco BankEveryday Low APR Credit Card

There is no 0% period at all, so interest starts on anything you do not clear in full.

Tesco BankAll Round Credit Card

The 14 months is guaranteed but shorter than Tesco's own 21-month card, and transfers must be made within 90 days to get 0%.