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?
Top rate in each type
- Easy access5.00%cahoot · up to £3,000 at this rate
- Limited access4.56%Zopa · Limited: 3 withdrawals a year notice
- Fixed5.35%DF Capital · locked 5 years
- Cash ISA5.25%Shawbrook · locked 5 years
- Regular saver8.00%Santander · £200 a month max
- Notice4.00%Investec · 90 days notice
Rates move quietly. We tell you when.
William’s Friday email: the savings and Cash ISA rates that changed this week, checked against each provider’s own page.
Free · One email a week · Unsubscribe any time
The market
Browse savings & ISAs
Checked 5 Oct
48 accounts
to estimate interest
Estimated interest is illustrative, based on £10,000 and today’s rate: variable rates can change, and regular savers only take monthly deposits.
William · Sorted by the headline rate, highest first. Access and conditions decide what you actually earn, so check both.
Santander
Regular Saver
Monthly saving
£0–£200
Access
Withdrawals allowed.
8.00% AER
Regular saver · variable, with bonus · up to £2,400 at this rate
Santander
Regular Saver
8.00%
AER
Regular saver · variable, with bonus · up to £2,400 at this rate
Monthly saving
£0–£200
Access
Withdrawals allowed.
Tembo
Tembo regular saver
Monthly saving
£0–£250
Access
Withdrawals allowed
8.00% AER
Regular saver · variable, with bonus · up to £3,000 at this rate
Tembo
Tembo regular saver
8.00%
AER
Regular saver · variable, with bonus · up to £3,000 at this rate
Monthly saving
£0–£250
Access
Withdrawals allowed
First Direct
Regular Saver
Monthly saving
£25–£300
Access
On closure
7.00% AER
Regular saver · fixed · up to £3,600 at this rate
First Direct
Regular Saver
7.00%
AER
Regular saver · fixed · up to £3,600 at this rate
Monthly saving
£25–£300
Access
On closure
The Co-operative Bank
Regular Saver
Monthly saving
£0–£250
Access
Withdrawals allowed
7.00% AER
Regular saver · variable · up to £3,000 at this rate
The Co-operative Bank
Regular Saver
7.00%
AER
Regular saver · variable · up to £3,000 at this rate
Monthly saving
£0–£250
Access
Withdrawals allowed
Progressive building society regular saver
Monthly saving
£0–£200
Access
Withdrawals allowed (One per day)
7.00% AER
Regular saver · variable · up to £2,400 at this rate
Progressive building society regular saver
7.00%
AER
Regular saver · variable · up to £2,400 at this rate
Monthly saving
£0–£200
Access
Withdrawals allowed (One per day)
Chase
Chase Regular saver
Monthly saving
£0–£300
Access
Withdrawals allowed
6.50% AER
Regular saver · fixed for 12 months · up to £3,600 at this rate
Chase
Chase Regular saver
6.50%
AER
Regular saver · fixed for 12 months · up to £3,600 at this rate
Monthly saving
£0–£300
Access
Withdrawals allowed
5 Year Fixed Rate Deposit (Issue 9)
Min deposit
£1,000
Access
On maturity
5.35% AER
Fixed · 5 years
5 Year Fixed Rate Deposit (Issue 9)
5.35%
AER
Fixed · 5 years
Min deposit
£1,000
Access
On maturity
Shawbrook
5 Year Fixed Rate Cash ISA
Min deposit
£1,000
Access
Locked 5 yr
5.25% AER
Cash ISA · fixed
Shawbrook
5 Year Fixed Rate Cash ISA
5.25%
AER
Cash ISA · fixed
Min deposit
£1,000
Access
Locked 5 yr
Investec
3-Year Fixed Rate Saver
Min deposit
Not stated
Access
On maturity
5.19% AER
Fixed · fixed for 3 years
Investec
3-Year Fixed Rate Saver
5.19%
AER
Fixed · fixed for 3 years
Min deposit
Not stated
Access
On maturity
Investec
2-Year Fixed Rate Saver
Min deposit
£5,000
Access
On maturity
5.16% AER
Fixed · fixed for 2 years
Investec
2-Year Fixed Rate Saver
5.16%
AER
Fixed · fixed for 2 years
Min deposit
£5,000
Access
On maturity
Castle Trust Bank
5 Year Fixed Rate e-Cash ISA
Min deposit
£1,000
Access
Locked 5 yr
5.12% AER
Cash ISA · fixed
Castle Trust Bank
5 Year Fixed Rate e-Cash ISA
5.12%
AER
Cash ISA · fixed
Min deposit
£1,000
Access
Locked 5 yr
GB Bank
GB Bank 1yr fix saver
Min deposit
£1,000
Access
Fixed rate - Withdrawals not permitted.
5.11% AER
Fixed · 1 year
GB Bank
GB Bank 1yr fix saver
5.11%
AER
Fixed · 1 year
Min deposit
£1,000
Access
Fixed rate - Withdrawals not permitted.
2 Year Fixed Rate Cash ISA
Min deposit
£10,000
Access
Locked 2 yr
5.07% AER
Cash ISA · fixed
2 Year Fixed Rate Cash ISA
5.07%
AER
Cash ISA · fixed
Min deposit
£10,000
Access
Locked 2 yr
Shawbrook
2 Year Fixed Rate Plus Cash ISA (Issue 1)
Min deposit
£10,000
Access
Locked 2 yr
5.06% AER
Cash ISA · fixed
Shawbrook
2 Year Fixed Rate Plus Cash ISA (Issue 1)
5.06%
AER
Cash ISA · fixed
Min deposit
£10,000
Access
Locked 2 yr
Castle Trust Bank
2 Year Fixed Rate e-Cash ISA
Min deposit
£1,000
Access
Locked 2 yr
5.04% AER
Cash ISA · fixed
Castle Trust Bank
2 Year Fixed Rate e-Cash ISA
5.04%
AER
Cash ISA · fixed
Min deposit
£1,000
Access
Locked 2 yr
cahoot
Sunny Day Saver
Min deposit
£1
Access
Anytime
5.00% AER
Easy access · variable · up to £3,000 at this rate
cahoot
Sunny Day Saver
5.00%
AER
Easy access · variable · up to £3,000 at this rate
Min deposit
£1
Access
Anytime
Lloyds
Monthly Saver
Monthly saving
£25–£250
Access
Withdrawals allowed
5.00% AER
Regular saver · fixed · up to £3,000 at this rate
Lloyds
Monthly Saver
5.00%
AER
Regular saver · fixed · up to £3,000 at this rate
Monthly saving
£25–£250
Access
Withdrawals allowed
Monmouthshire Building Society
Regular Saver
Monthly saving
£0–£250
Access
Withdrawals allowed
5.00% AER
Regular saver · variable · up to £3,000 at this rate
Monmouthshire Building Society
Regular Saver
5.00%
AER
Regular saver · variable · up to £3,000 at this rate
Monthly saving
£0–£250
Access
Withdrawals allowed
LemFi
Instant Access Account
Min deposit
£1
Access
Easy access
5.00% AER
Easy access · variable, with bonus
LemFi
Instant Access Account
5.00%
AER
Easy access · variable, with bonus
Min deposit
£1
Access
Easy access
Zopa
Zopa cash isa - 1yr fix
Min deposit
£1
Access
Withdrawals allowed - Costs you 90 days worth of interest.
5.00% AER
Cash ISA · fixed
Zopa
Zopa cash isa - 1yr fix
5.00%
AER
Cash ISA · fixed
Min deposit
£1
Access
Withdrawals allowed - Costs you 90 days worth of interest.
Skipton Building Society
5 Year Fixed Rate Cash ISA
Min deposit
£1
Access
Locked 5 yr
5.00% AER
Cash ISA · fixed
Skipton Building Society
5 Year Fixed Rate Cash ISA
5.00%
AER
Cash ISA · fixed
Min deposit
£1
Access
Locked 5 yr
Shawbrook
1 Year Fixed Rate Plus Cash ISA (Issue 1)
Min deposit
£10,000
Access
Locked 1 yr
4.97% AER
Cash ISA · fixed
Shawbrook
1 Year Fixed Rate Plus Cash ISA (Issue 1)
4.97%
AER
Cash ISA · fixed
Min deposit
£10,000
Access
Locked 1 yr
Castle Trust Bank
1 Year Fixed Rate e-Cash ISA
Min deposit
£1,000
Access
Locked 1 yr
4.95% AER
Cash ISA · fixed
Castle Trust Bank
1 Year Fixed Rate e-Cash ISA
4.95%
AER
Cash ISA · fixed
Min deposit
£1,000
Access
Locked 1 yr
Hodge Bank
Hodge bank 1yr fixed
Min deposit
£1,000
Access
Withdrawals allowed - 90 day interest penalty.
4.92% AER
Cash ISA · fixed
Hodge Bank
Hodge bank 1yr fixed
4.92%
AER
Cash ISA · fixed
Min deposit
£1,000
Access
Withdrawals allowed - 90 day interest penalty.
Chip
Smart Cash ISA
Min deposit
£1
Access
Anytime
4.86% AER
Cash ISA · variable, with bonus
Chip
Smart Cash ISA
4.86%
AER
Cash ISA · variable, with bonus
Min deposit
£1
Access
Anytime
Principality BS
1 Year Regular Saver Bond
Monthly saving
£0–£250
Access
On closure
4.85% AER
Regular saver · fixed · up to £3,000 at this rate
Principality BS
1 Year Regular Saver Bond
4.85%
AER
Regular saver · fixed · up to £3,000 at this rate
Monthly saving
£0–£250
Access
On closure
Tandem Bank
1 Year Fixed Rate Cash ISA
Min deposit
£1
Access
Locked 1 yr
4.85% AER
Cash ISA · fixed
Tandem Bank
1 Year Fixed Rate Cash ISA
4.85%
AER
Cash ISA · fixed
Min deposit
£1
Access
Locked 1 yr
Tandem Bank
2 Year Fixed Rate Cash ISA
Min deposit
£1
Access
Locked 2 yr
4.85% AER
Cash ISA · fixed
Tandem Bank
2 Year Fixed Rate Cash ISA
4.85%
AER
Cash ISA · fixed
Min deposit
£1
Access
Locked 2 yr
Tandem Bank
5 Year Fixed Rate Cash ISA
Min deposit
£1
Access
Locked 5 yr
4.85% AER
Cash ISA · fixed
Tandem Bank
5 Year Fixed Rate Cash ISA
4.85%
AER
Cash ISA · fixed
Min deposit
£1
Access
Locked 5 yr
Vida Bank
1 Year Fixed Rate ISA
Min deposit
£1,000
Access
On maturity
4.80% AER
Cash ISA · fixed for 12 months
Vida Bank
1 Year Fixed Rate ISA
4.80%
AER
Cash ISA · fixed for 12 months
Min deposit
£1,000
Access
On maturity
Santander
2 Year Fixed Rate ISA
Min deposit
£500
Access
Locked 2 yr
4.80% AER
Cash ISA · fixed
Santander
2 Year Fixed Rate ISA
4.80%
AER
Cash ISA · fixed
Min deposit
£500
Access
Locked 2 yr
Virgin Money
1 Year Fixed Rate Cash E-ISA Issue 708
Min deposit
£1
Access
Locked 1 yr
4.77% AER
Cash ISA · fixed
Virgin Money
1 Year Fixed Rate Cash E-ISA Issue 708
4.77%
AER
Cash ISA · fixed
Min deposit
£1
Access
Locked 1 yr
Santander
2 Year Fixed Term Saver
Min deposit
£500
Access
On maturity
4.70% AER
Fixed · fixed until 1 november 2028
Santander
2 Year Fixed Term Saver
4.70%
AER
Fixed · fixed until 1 november 2028
Min deposit
£500
Access
On maturity
Nationwide
5 Year Fixed Rate Cash ISA
Min deposit
£1
Access
On maturity
4.70% AER
Cash ISA ·
Nationwide
5 Year Fixed Rate Cash ISA
4.70%
AER
Cash ISA ·
Min deposit
£1
Access
On maturity
Oxbury bank
Oxbury bank easy access saver
Min deposit
£1,000
Access
Withdrawals allowed
4.57% AER
Easy access · variable
Oxbury bank
Oxbury bank easy access saver
4.57%
AER
Easy access · variable
Min deposit
£1,000
Access
Withdrawals allowed
Zopa
Zopa smart saver
Min deposit
£1
Access
Limited: 3 withdrawals a year
4.56% AER
Limited access · variable, with bonus
Zopa
Zopa smart saver
4.56%
AER
Limited access · variable, with bonus
Min deposit
£1
Access
Limited: 3 withdrawals a year
Nationwide
2 Year Fixed Rate Cash ISA
Min deposit
£1
Access
On maturity
4.55% AER
Cash ISA ·
Nationwide
2 Year Fixed Rate Cash ISA
4.55%
AER
Cash ISA ·
Min deposit
£1
Access
On maturity
Moneybox Cash ISA
Min deposit
£500
Access
Up to 3 penalty-free withdrawals a year
4.53% AER
Cash ISA · variable, with bonus
Moneybox Cash ISA
4.53%
AER
Cash ISA · variable, with bonus
Min deposit
£500
Access
Up to 3 penalty-free withdrawals a year
Cynergy Bank
Cynergy bank easy access saver
Min deposit
£1
Access
Withdrawals allowed
4.15% AER
Easy access · variable, with bonus
Cynergy Bank
Cynergy bank easy access saver
4.15%
AER
Easy access · variable, with bonus
Min deposit
£1
Access
Withdrawals allowed
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Go deeper
The detail behind each one.
Every account above has its own page: what it pays, what it asks of you, the provider’s own page and the date we checked it.
Moneybox Moneybox Cash ISA →First Direct Regular Saver →cahoot Sunny Day Saver →Investec 3-Year Fixed Rate Saver →Principality BS 1 Year Regular Saver Bond →Vida Bank 1 Year Fixed Rate ISA →Atom Bank 2 Year Fixed →Chip Smart Cash ISA →cahoot Simple Saver →Shawbrook 1 Year Fixed →Castle Trust Bank 1 Year Fixed Rate e-Cash ISA →Castle Trust Bank 2 Year Fixed Rate e-Cash ISA →Castle Trust Bank 5 Year Fixed Rate e-Cash ISA →Chase Saver →Chase Chase Regular saver →Close Brothers Savings 2 Year Fixed Rate Cash ISA →Cynergy Bank Cynergy bank easy access saver →DF Capital 5 Year Fixed Rate Deposit (Issue 9) →GB Bank GB Bank 1yr fix saver →Hodge Bank Hodge bank 1yr fixed →Investec 90 Day Notice →Investec 2-Year Fixed Rate Saver →Investec 1-Year Fixed Rate Saver →LemFi Instant Access Account →Lloyds Monthly Saver →Monmouthshire Building Society Regular Saver →Monument Easy Access →Nationwide 5 Year Fixed Rate Cash ISA →Nationwide 2 Year Fixed Rate Cash ISA →NS&I Direct ISA →Oxbury bank Oxbury bank easy access saver →Paragon 1 Year Fixed ISA →Progressive Building Society Progressive building society regular saver →Santander 2 Year Fixed Term Saver →Santander Regular Saver →Santander 2 Year Fixed Rate ISA →Shawbrook 1 Year Fixed Rate Plus Cash ISA (Issue 1) →Shawbrook 2 Year Fixed Rate Plus Cash ISA (Issue 1) →Shawbrook 5 Year Fixed Rate Cash ISA →Skipton Building Society 5 Year Fixed Rate Cash ISA →Tandem Bank 1 Year Fixed Rate Cash ISA →Tandem Bank 2 Year Fixed Rate Cash ISA →Tandem Bank 5 Year Fixed Rate Cash ISA →Tembo Tembo regular saver →The Co-operative Bank Regular Saver →Virgin Money 1 Year Fixed Rate Cash E-ISA Issue 708 →Zopa Zopa smart saver →Zopa Zopa cash isa - 1yr fix →
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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.
Work out the tax on your interest →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.
A rate on its own does not tell you much. What it is worth depends on how much you put in, how long it stays there, and what tax you pay on the interest.
Quick answers
Every Friday
Rates move quietly. We tell you when.
William checks changing rates, new accounts and Cash ISA offers every Friday.
Free · One email a week · Unsubscribe anytime
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