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
- Fixed5.00%Investec · locked 3 years
- Cash ISA4.70%Vida Bank · locked 1 year
- Regular saver8.00%Santander · £200 a month max
- Notice4.00%Investec · 90 days notice
The market
Browse savings & ISAs
Checked 15 Aug
26 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.
Lloyds
Monthly Saver
Monthly saving
£25–£250
Access
Withdrawals allowed
8.00% AER
Regular saver · fixed · up to £3,000 at this rate
Lloyds
Monthly Saver
8.00%
AER
Regular saver · fixed · up to £3,000 at this rate
Monthly saving
£25–£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
Monmouthshire Building Society
Regular Saver
Monthly saving
£0–£500
Access
Withdrawals allowed
6.00% AER
Regular saver · variable · up to £6,000 at this rate
Monmouthshire Building Society
Regular Saver
6.00%
AER
Regular saver · variable · up to £6,000 at this rate
Monthly saving
£0–£500
Access
Withdrawals allowed
Investec
3-Year Fixed Rate Saver
Min deposit
£1
Access
On maturity
5.00% AER
Fixed · fixed for 3 years
Investec
3-Year Fixed Rate Saver
5.00%
AER
Fixed · fixed for 3 years
Min deposit
£1
Access
On maturity
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
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
Investec
2-Year Fixed Rate Saver
Min deposit
£5,000
Access
On maturity
4.95% AER
Fixed · fixed for 2 years
Investec
2-Year Fixed Rate Saver
4.95%
AER
Fixed · fixed for 2 years
Min deposit
£5,000
Access
On maturity
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
Vida Bank
1 Year Fixed Rate ISA
Min deposit
£1,000
Access
On maturity
4.70% AER
Cash ISA · fixed for 12 months
Vida Bank
1 Year Fixed Rate ISA
4.70%
AER
Cash ISA · fixed for 12 months
Min deposit
£1,000
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
Chip
Smart Cash ISA
Min deposit
£1
Access
Anytime
4.63% AER
Cash ISA · variable, with bonus
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
A higher commission never buys a higher position. How we make money →
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.
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 →Chase Saver →DF Capital 5 Year Fixed Rate Deposit →DF Capital 7 Year Fixed Rate Deposit →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 →Paragon 1 Year Fixed ISA →Santander 2 Year Fixed Term Saver →Santander Regular Saver →The Co-operative Bank Regular Saver →
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.
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