Savings & ISAs
A good rate is only good if the account fits.
Compare savings accounts and Cash ISAs by rate, access and the conditions that decide what you actually earn.
When might you need the money?
The answer changes the account type more than the rate does. Money you might need next month doesn’t belong in a two-year fix.
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William reads the account terms on every rate here, so you don’t have to.
The market in ten seconds
Top easy access5.00%Top fixed5.05%Top Cash ISA4.65%Top regular saver7.00%
Not yet verifiedThe market
Browse savings & ISAs
Compare the rate, then check access, restrictions and what happens next.
10 accounts
Not yet verified
William’s shortcut · Decide when you’ll need the money first, then take the top rate with no bonus attached to it.
Shortcuts
Every account we track. The rate is the headline; access and conditions decide what you actually keep.
to estimate interest
10 accounts
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Provider
Access
When you can actually get the money back.
Term
Minimum deposit
Estimated interest is illustrative, based on £10,000 and today’s rate: variable rates can change, and regular savers only take monthly deposits.
Shawbrook1 Year FixedMoneyHQ pick
The catch · No access until maturity
Locked 1 yr
No withdrawals
5.05% AER
Fixed · 1 year
Fixed until maturity
See account →
About £505 over 1 year
ShawbrookPick
1 Year Fixed · £1,000 minimum
5.05% AER
See →Locked for 12 months
£1,000 minimum · no withdrawals
ChaseSaverMoneyHQ pick
The catch · Nothing significant found. Check the provider's terms before applying.
Anytime
No withdrawal limit
4.91% AER
Easy access · variable
No bonus, no end date
See account →
About £491 over 12 months
Trading 212Cash ISAMoneyHQ pick
The catch · Nothing significant found. Check the provider's terms before applying.
Anytime
Flexible ISA
4.65% AER
Cash ISA · variable
No bonus, no end date
See account →
About £465 over 12 months
Trading 212Pick
Cash ISA · £1 minimum
4.65% AER
See →Cash ISA · variable
No bonus · £465 est. on £10,000
First DirectRegular Saver
The catch · Current-account customers only, and monthly saving only
On closure
No withdrawals
7.00% AER
Regular saver · fixed
Fixed until maturity
See account →
About £136 · £300/mo for 12 months
First DirectRegular saver
Save £25–£300/month · 12 months
7.00% AER
See →Monthly saving only
Not for a lump sum · £3,600 max in
Principality BSRegular Saver
The catch · Monthly saving only, you can’t deposit a lump sum
On closure
No withdrawals
6.25% AER
Regular saver · fixed
Fixed until maturity
See account →
About £101 · £250/mo for 12 months
Principality BSRegular saver
Save £25–£250/month · 12 months
6.25% AER
See →Monthly saving only
Not for a lump sum · £3,000 max in
MonumentEasy Access
The catch · Rate includes a 1.00% bonus for 12 months
Anytime
No withdrawal limit
5.00% AER
Easy access · variable, with bonus
Falls to 4.00% after 12 months
See account →
About £500 year one · then about £400
MonumentEasy access
5.00% AER
See →Easy access · variable, with bonus
Bonus rate · £500 est. on £10,000
Investec90 Day Notice
The catch · £5,000 minimum, and 90 days’ notice to withdraw
90 days
Notice required
4.88% AER
Notice · variable
No bonus, no end date
See account →
About £488 over 12 months
Investec90-day notice
4.88% AER
See →Notice · variable
No bonus · £488 est. on £10,000
Coventry BSLimited Access Saver
The catch · Only three withdrawals a year
3 a year
Withdrawals limited
4.85% AER
Easy access · variable
No bonus, no end date
See account →
About £485 over 12 months
Coventry BSEasy access
4.85% AER
See →Easy access · variable
No bonus · £485 est. on £10,000
Atom Bank2 Year Fixed
The catch · Money locked for two years
Locked 2 yrs
No withdrawals
4.75% AER
Fixed · 2 years
Fixed until maturity
See account →
About £973 over 2 years
Atom Bank2-year fix
4.75% AER
See →Locked for 24 months
£50 minimum · no withdrawals
Paragon1 Year Fixed ISA
The catch · Early withdrawal costs 90 days’ interest
Locked 1 yr
Penalty to withdraw
4.45% AER
Cash ISA · fixed
Fixed until maturity
See account →
About £445 over 1 year
Paragon1-year fixed ISA
4.45% AER
See →Locked for 12 months
£500 minimum · no withdrawals
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Estimates on your amount, not quotesNot yet verified
Cash ISA or savings account?
The right answer depends on how much interest you earn and how you’re taxed, not on which pays the bigger headline rate.
Savings interest and tax, explained →Savings account
Usually the higher rate
Interest counts as taxable income, though most people have an allowance before any tax is due. Rates here tend to run above the ISA equivalents.
Cash ISA
Sheltered from tax
Interest is sheltered from UK income tax within ISA rules, and there’s a limit on what you can pay in each tax year. Transfers keep older savings sheltered.
Before you move your money
Know what the rate costs you.
Savings, explained
Quick answers
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Rates move quietly. We tell you when.
William checks changing rates, new accounts and Cash ISA offers every Friday.
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