Compare All Savings Account Rates

We compare all the best saving account rates available in the UK so you find the top saving accounts that will pay you the highest interest rates. Whether you are looking for tax free ISA savings, investments or high interest savings accounts we can really help you make the most from your money.
Advanced Search
Search 2171 savings accounts.
Instant AccessCash ISAs
Fixed Rate BondsInvestment ISAs
Internet
Do you have a question?
ISA 2012 Fact Sheet
PDF Reader
Your fast guide to ISAs. How do they work? What are your options?
AccountHeadline InterestInterest PaidAccessMin 1st Deposit 
TypeTermRateBalanceWebBranchTel 
Promoted Results
Scottish Widows Bank
 
5 Year Fixed Term Deposit
Fixed Bond
5
years
4.6%£10,000choice£10,000
Halifax
Fixed Online Saver - 5 Year Term
Fixed Bond
5
years
4.25%.£500choice£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Lloyds TSB
5 Year Fixed Term Deposit
Offshore Term
5
years
(09 Feb 2017)
4.5%£10,000annually
n/a
n/a
n/a
£10,000
Halifax
5 Year ISA Saver Fixed
Cash ISA
5
years
4.2%.£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Halifax
Fixed Online Saver - 4 Year Term
Fixed Bond
4
years
4.15%.£500choice£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
NatWest
3 Year Fixed Rate ISA Issue 38
Cash ISA
3
years
(04 Apr 2015)
4.2%£1,000choice£1,000
Rates only apply if transfering in money from another ISA provider, and apply before 29th Feb. Otherwise standard rate is 3.80% AER.
Halifax
4 Year ISA Saver Fixed
Cash ISA
4
years
4.1%£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Governor Money
Progressive BS 4 Year Fixed Rate Cash ISA
Cash ISA
4
years
(07 Mar 2016)
4.05%£100annually£100
Halifax
Fixed Online Saver - 3 Year Term
Fixed Bond
3
years
4%£500choice£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Governor Money
Saffron BS 3 Year Fixed Rate Savings
Fixed Bond
3
years
4%£100annually£100
Lloyds TSB
3 Year Fixed Term Deposit
Offshore Term
3
years
(09 Feb 2015)
4%£10,000annually
n/a
n/a
n/a
£10,000
Scottish Widows Bank
 
3 Year Fixed Term Deposit
Fixed Bond
3
years
(02 Mar 2015)
4%£10,000choice£10,000
NatWest
2 Year Fixed Rate ISA Issue 37
Cash ISA
2
years
(04 Apr 2014)
3.9%£1,000annually£1,000
Rates only apply if transfering in money from another ISA provider, and apply before 29th Feb. Otherwise standard rate is 3.50% AER.
Halifax
Fixed Online Saver - 2 Year Term
Fixed Bond
2
years
3.75%£500choice£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Governor Money
Progressive BS 2 Year Fixed Rate Cash ISA
Cash ISA
2
years
(07 Mar 2014)
3.75%£100annually£100
Governor Money
Progressive BS 2 Year Fixed Rate Savings
Fixed Bond
2
years
(07 Mar 2014)
3.75%£100annually£100
NatWest
Fixed Rate Bond Issue 316
Fixed Bond19 Mar
2014		3.7%£25,000choice£5,000
Halifax
3 Year ISA Saver Fixed
Cash ISA
3
years
3.55%.£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Lloyds TSB
2 Year Fixed Term Deposit
Offshore Term
2
years
(09 Feb 2014)
3.55%£10,000annually
n/a
n/a
n/a
£10,000
Halifax
2 Year ISA Saver Fixed
Cash ISA
2
years
3.5%£500annually£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Lloyds TSB
1 Year Fixed Term Deposit
Offshore Term
1
year
(09 Feb 2013)
3.4%£10,000maturity
n/a
n/a
n/a
£10,000
NatWest
1 Year Fixed Rate ISA Issue 36
Cash ISA
1
year
(04 Apr 2013)
3.35%£1,000maturity£1,000
Rates only apply if transfering in money from another ISA provider, and apply before 29th Feb. Otherwise standard rate is 2.60% AER.
Chelsea Building Society
 
3.20% Fixed Rate ISA to 31/07/2013
Cash ISA31 Jul
2013		3.2%£100choice£100
NatWest
Fixed Rate Bond Issue 315
Fixed Bond19 Mar
2013		3.2%£25,000choice£5,000
Nationwide
Online ISA (Issue 2) Ex/C
Cash ISA
n/a
3.1%£25,000annually£1,000
This account is available to existing Nationwide customers who hold a card-based current or card-based savings account.
Governor Money
Hinckley & Rugby BS 1 Year Fixed Rate Savings
Fixed Bond
1
years
3.1%£100maturity£100
Barclays Wealth
Fixed Deposit 1yr Bond
Offshore Term
1
year
3%£10,000annually
n/a
n/a
n/a
£10,000
Nationwide
Smart Junior ISA
Junior Cash ISA
n/a
3%£1annually£1
Governor Money
Ipswich BS 1 Year Fixed Rate Savings
Fixed Bond
1
year
(01 Mar 2013)
3%£100annually£100
NatWest
12 Month Enhanced Fixed Rate Deposit
Business Term Account
12
months
3%£5,000
n/a
n/a
n/a
n/a
£5,000
Tel 0800 084 3789 0800 084 3789
ING Direct
Savings Account
Easy Access
n/a
2.9%£1monthly£1
You need to have a UK bank account with cheque book and direct debit facility to open this account.
Nationwide
e-Bond 1 Year Ex/C
Fixed Bond
1
year
2.9%£50,000choice£1
The customer is required to have or open a Flex Account to be eligible for an e-Bond.
Virgin
Easy Access Cash eISA
Cash ISA
n/a
2.85%£1choice£1
Halifax
Online Saver
Instant Access
n/a
2.8%£1annually£1
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax accounts and register to enter.
Cater Allen
3 Year Fixed Term Deposit
Business Term Account
3
years
2.7%£50,000
n/a
n/a
n/a
n/a
£50,000
Halifax
ISA Saver Online
Cash ISA
n/a
2.6%£1annually£1
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
Chelsea Building Society
 
e-Saver Reward
Easy Access
n/a
2.6%£1monthly£1
Pays you interest every month that you don't withdraw money, but gives the comfort of easy access if you need it.
Principality Building Society
 
18 Month Business Bond
Business Term Account
18
months
2.6%£10,000
n/a
n/a
n/a
n/a
£10,000
Barnsley Building Society
 
Online Saver Account Issue 2
Easy Access
n/a
2.5%£1choice£1
NatWest
e-ISA
Cash ISA
n/a
2.5%£30,000monthly£1
Need to open NatWest Instant Access Account at same time as you apply for ISA.
Nationwide
Regular Savings
Regular Saver
n/a
2.5%£1annually£1
This is a regular savings account. To achieve the interest rates shown investors must increase their monthly balance by £500-£1,000 per... more
This a is regular savings account. to achieve the interest rates shown...
Cater Allen
2 Year Fixed Term Deposit
Business Term Account
2
years
2.5%£50,000
n/a
n/a
n/a
n/a
£50,000
Lloyds TSB
International Incentive Saver
Offshore Instant Access
n/a
2.42%£10,000
n/a
n/a
n/a
£10,000
Nationwide
e-Bond 6 Month Ex/C
Fixed Bond
6
months
2.41%£50,000choice£1
The customer is required to have or open a Flex Account to be eligible for an e-Bond.
Cater Allen
1 Year Fixed Term Deposit
Business Term Account
1
year
2.3%£50,000
n/a
n/a
n/a
n/a
£50,000
Halifax
1 Year ISA Saver Fixed
Cash ISA
1
year
2.25%£500annually£500
Open this account and get the chance to enter the £100,00 Halifax Savers Prize Draw
Halifax
Fixed Online Saver - 1 Year Term
Fixed Bond
1
year
2.25%£500choice£500
You could qualify for the Halifax Savers Prize Draw which every month gives 3 savers £100,000. Hold £5,000 or more in Halifax
NatWest
12 Month Standard Fixed Rate Deposit
Business Term Account
12
months
2.25%£5,000
n/a
n/a
n/a
n/a
£5,000
Tel 0800 084 3789 0800 084 3789
Lloyds TSB
International Bonus Saver
Offshore Instant Access
n/a
2.01%£100,000
n/a
n/a
n/a
£5,000
NatWest
Cash ISA
Cash ISA
n/a
2%£50,000monthly£1
2% on balances over £50k. Rates start from 0.55%. Bonuses avialable.
Principality Building Society
 
9 Month Business Bond
Business Term Account
9
months
2%£10,000
n/a
n/a
n/a
n/a
£10,000
NatWest
6 Month Standard Fixed Rate Deposit
Business Term Account
6
months
1.81%£5,000
n/a
n/a
n/a
n/a
£5,000
Tel 0800 084 3789 0800 084 3789
RBS
Direct Saver
Easy Access
n/a
1.5%£50,000annually£1
NatWest
e-savings
Easy Access
n/a
1%£1monthly£1
HSBC
Online Bonus Saver
Easy Access
n/a
0.75%£1monthly£1
0.75% on your savings with no withdrawals
Barclays
Investment ISA
Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£3,000
Take advantage of your tax benefits at Barclays; they've made it easier for you to use your full tax-efficient ISA allowance of up to £10,680. Simply select one or more of their investment fund ranges and invest them within an ISA.
SVS Securities
Investment ISA
Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£50
Alliance Trust
Stocks & Shares ISA
Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£50
Virgin
ISA
Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£500
Climate Change ISA - An environmental fund with a difference.
Fidelity Worldwide Investment
 
Fidelity ISA
Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£50
Invest before 1st March and get £25 cash back on your new ISA (terms apply). Plus No Initial Charges on Fidelity and Select List Funds.
Legal & General
Inflation Protected Deposit Bond 1
Varies
5
years
n/a
n/a
maturity
n/a
n/a
n/a
£500
This is not a standard bank or building society deposit account, your returns are not guaranteed and are subject to certain conditions
At maturity this plan will return any increase in inflation (as measured by the Retail Price Index) with no upper limit, or 17.5%, whichever is greater.
Legal & General
6 Year Growth Deposit Bond 11
Varies
6
years
n/a
n/a
maturity
n/a
n/a
n/a
£500
This is not a standard bank or building society deposit account, your returns are not guaranteed and are subject to certain conditions
This plan will return 100% of any rise in the FTSE 100 over investment term, capped at 50%. If the FTSE is lower or has grown by less than 9.25%, the plan pays 9.25%
Foresters Friendly Society
 
ISA
Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£30
Family Investments
 
Junior ISA
Junior Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£10
Investec Bank
FTSE 100 Kick Out Deposit Plan - Option 1
varies
5
years
n/a
n/a
maturity
n/a
n/a
n/a
£1,500
This is not a standard bank or building society deposit account, your returns are not guaranteed and are subject to certain conditions
Capital protected plan with option to mature early. If the plan matures early it will return 6% times the number of years the plan has been in force.
Shepherds Friendly Society
 
Shepherds Junior ISA
Junior Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£10
Hargreaves Lansdown
 
HL Vantage Junior ISA
Junior Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£50
Investec Bank
FTSE 100 Deposit Plan
Varies
3
years
n/a
n/a
maturity
n/a
n/a
n/a
£1,500
This is not a standard bank or building society deposit account, your returns are not guaranteed and are subject to certain conditions
Pays a fixed return of 19% provided the FTSE 100 is higher than it's starting value at the end of the 3 year term. If the FTSE is lower, no growth is paid
Barclays Wealth
Fixed Deposit 6mth Bond
Offshore Term
6
months
1.9%£10,000
6
months
n/a
n/a
n/a
£10,000
The Childrens ISA
 
Prudential Managed Childrens ISA
Junior Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£50
Anyone who invests over £1000 in Total Clarity Funds before the end of the tax year will be entered into a draw to win an IPad2.
The Childrens ISA
 
Shariah Childrens ISA
Junior Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£50
Anyone who invests over £1000 in Total Clarity Funds before the end of the tax year will be entered into a draw to win an IPad2.
The Childrens ISA
 
Ethical Childrens ISA
Junior Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£50
Anyone who invests over £1000 in Total Clarity Funds before the end of the tax year will be entered into a draw to win an IPad2.
Meteor Asset Management
 
FTSE Income Deposit Plan
Varies
6
years
n/a
n/a
maturity
n/a
n/a
n/a
£5,340
This is not a standard bank or building society deposit account, your returns are not guaranteed and are subject to certain conditions
Pays an annual income of 7.25% for each year the FTSE 100 stays between 4,250 & 7,250. If the FTSE falls outside these limits, income will not be paid for that year
Scottish Friendly Assurance
 
Select Investment Plan
Varies
10
years
n/a
n/a
maturity
n/a
n/a
n/a
£25
This is not a standard bank or building society deposit account, your returns are not guaranteed and are subject to certain conditions
This plan involves stock market investments which can go down as well as up and your original investment is not guaranteed
The Childrens ISA
 
Low Cost Childrens ISA
Junior Investment ISA
n/a
n/a
n/a
n/a
n/a
n/a
n/a
£50
Anyone who invests over £1000 in Total Clarity Funds before the end of the tax year will be entered into a draw to win an IPad2.
Full Results
HSBC
Regular Saver (Premier, Advance, Passport) Ex/C
Regular Saver
1
year
8%£25maturity£25
Regular monthly payments must be made into this account by standing order from a HSBC current account. The monthly minimum payment is £25 and... more
First Direct
Regular Saver Ex/C
Regular Saver
1
year
8%£25maturity£25
Regular monthly payments between £25 and £300 to be made by standing order. The standing order can be above £300 at any point from... more
Bank of Scotland
 
Children's Regular Saver Ex/C
Regular Saver
1
year
6%
n/a
n/a
£10
For existing customer only.
Halifax
Kid's Regular Saver
Regular Saver
1
year
6%£10maturity£10
Regular monthly payments must be made into this account by standing order from a parent or guardian's bank account. The monthly minimum credit is... more
RBS
RBS UK Fixed Income Plan
Income Bond
n/a
5.75%
n/a
n/a
n/a
n/a
n/a
£3,600
Norwich & Peterborough Building Society
 
Family Regular Saver
Offshore Instant Access
n/a
5%£1
n/a
n/a
n/a
£1
Norwich & Peterborough Building Society
 
Family Regular Saver
Regular Saver
n/a
5%£1annually£1
Only available to customers who have dependent children (age up to 16 or 18 if in full time education).
Customers must make regular deposits... more
Norwich & Peterborough Building Society
 
Gold Savings Account Ex/C
Regular Saver
1
year
5%£20annually£20
This account is only available to customers who have a Norwich & Peterborough Gold Current Account which they credit with £1,000 per month.... more
Bath Investment & Building Society
 
Future Builder
Instant Access
n/a
5%£1annually£1
Barclays
Monthly Saver
Offshore Instant Access
n/a
5%£1
n/a
n/a
n/a
£1
Norwich & Peterborough Building Society
 
E-family Regular Saver
Regular Saver
n/a
5%£1annually£1
Only available to customers who have dependent children (age up to 16 or 18 if in full time education).
Customers must make regular deposits... more
Santander
Loyalty Fixed Rate Monthly Saver Ex/C
Regular Saver
13
months
5%£20annually£20
Regular monthly payments must be made into this account. The minimum monthly credit is £20 and the maximum is £250.
Derbyshire Building Society
 
Platinum Monthly Saver (Issue 1)
Regular Saver31 Jan
2013		5%£100annually£100
Regular monthly payments must be made into this account. The minimum monthly payment is £100 and the maximum monthly payment is £500.
Dunfermline Building Society
 
Platinum Monthly Saver (Issue 1)
Regular Saver
1
year
5%£100annually£100
Regular monthly payments must be made into this account. The minimum monthly payment is £100 and the maximum monthly payment is £500.
Cheshire
Platinum Monthly Saver (Issue 1)
Regular Saver31 Jan
2013		5%£100annually£100
Regular monthly payments must be made into this account. The minimum monthly payment is £100 and the maximum monthly payment is £500.
Punjab National Bank (International) Ltd
 
5 Year Fixed Rate Deposit
Fixed Bond
5
years
4.75%£1,000,000maturity£500
BM Savings
5 Year Fixed Rate Bond
Fixed Bond
5
years
4.65%£1choice£1
Vanquis
5 Year High Yield Bond
Fixed Bond
5
years
4.65%£1,000choice£1,000
Scottish Widows Bank
 
5 Year Fixed Term Deposit
Fixed Bond
5
years
4.6%£10,000choice£10,000
AA
5 Year Fixed Rate 4.60% Savings Account
Fixed Bond
5
years
4.6%£1annually£1
 Next Page  >

Free Brochures & Guides

Get our free money saving newsletter
Join over 480,000 other subscribers who grab our expert money tips, unmissable money guides & hottest bargains each week in our special email...
Terms & Conditions
I think this is a excellent site, very helpful.
Susan K

How To Compare Interest Rates on Savings Accounts

We discuss what you need to consider when comparing interest rates for your savings.

When choosing a savings account for your money it is often tempting to base your decision on headline interest rates alone. These are the main figures advertised in order to get your attention and reel you in, but in reality they only offer a snapshot of what the account will do for your savings.

In the long run you will get a better return on your savings by being aware of the bigger picture behind the best interest rates on savings accounts advertised. Therefore it is important to consider several other factors when finding the right home for your money. We explain what you need to know.

Fixed vs. Variable rate

One of the first things to look at is whether or not the savings account operates on a fixed or variable interest rate.

Fixed rate

A fixed rate means that the rate of interest on your money will stay the same for a specific amount of time. Therefore, regardless of the fluctuations in the base rate or other changes in the market, your money will benefit from the same saving accounts interest rates.

It may be worthwhile keeping your money in a fixed rate account because it won’t be affected by any external changes in the market. However, most fixed rate savings accounts do not allow withdrawals during the fixed rate term, and so you will have to be prepared to lock your money away without access for a period of several months or more.

Variable rate

A variable rate means that the interest paid on your money can go up and down during the account term. It may be affected by factors such as a change in the base rate; or, it can be changed at your account provider’s discretion.

These types of accounts can be suitable for both lump sums and regular savings, although you should make sure to check the account’s terms and conditions to ascertain whether or not a set amount has to be paid in each month.

You will usually have better access to your money with variable rate accounts, as they are less likely to have withdrawal penalties, but always check the terms and conditions.

Rate guarantees

Some savings accounts will offer a guaranteed rate of interest on your money for a specified period of time. Generally these rate guarantees will be linked to the Bank of England base rate, and can be worthwhile looking into as it will give you some peace of mind that your high interest saving accounts will stay as such for a while, especially in a particularly volatile market.

For example, a bank may promise that the rate of interest paid on your savings account will not dip below the base rate for at least a year, or that the interest paid will remain a certain percentage above the base rate for a specified period of time.

This can be very beneficial because you can rest assured that even in the worst economic circumstances, your rate of interest will keep its head above a plummeting base rate - for a few years at least (after which you can always move your money to a new home).

Bonuses

Savings account providers often offer bonuses as an incentive for opening an account with them. These bonuses typically come in the form of extremely competitive rates, but are temporary.

They will benefit your money for a pre-specified amount of time, perhaps the first six months to a year upon opening the account, after which the interest rate will return to a normal (often below average) rate.

Some good introductory bonuses can be tempting, but read the terms and conditions of the account closely to find out what your interest rate will be like after the bonus period has ended. If you are prepared to switch your money to a new account after the bonus period, they can offer a good (if short-term) return on your money.

However if you would rather find a more permanent home for your money, it is definitely worth looking at what the account offers beyond the bonus rate when you carry out your savings account comparison.

Rate tiers

The amount of interest your money will generate can sometimes depend on how much money you have in your savings account. This is usually shown in the form of tiers – for example, if you deposit between £1 and £9,999 you might get a 0.25% interest rate, and if you put away more than £10,000 you’d benefit from a 1% interest rate.

Some accounts only pay the best saving account rates on savings above or below a certain amount, and if your balance drops below this, so will your interest rate, potentially turning a top 10 savings accounts to one that is near worthless.

Therefore it is worthwhile taking into account how much you intend to save, what tier that amount will fall into, and consequently how much interest you will be paid. Check the account’s terms and conditions when you compare saving account features to see if rate tiers are applied and get a detailed picture of this before you decide on a place for your savings.

Withdrawal penalties

It’s worth being aware that some of the best rate savings accounts will have penalties in place if you withdraw money during the specified account term. These penalties can be in the form of a drop in your interest rate, or even halting interest altogether.

If you don’t require access to your savings, withdrawal penalties won’t affect you – or they can act as a deterrent to remind you not to touch your savings for the agreed period. Either way this can be beneficial as you can often get the best savings account interest rates on accounts where withdrawals are limited.

However, if you anticipate that you will need access to your money, make sure to look around for an account that allows penalty-free withdrawals or you could lose out.

Taxed interest

Interest rates on savings accounts are often quoted without tax, but if you are a taxpayer, any interest paid will be automatically taxed.

  • Basic rate taxpayers: 20% of interest earned is taxed.
  • Higher rate taxpayers: 40% of interest earned is taxed.

If you are not a taxpayer, you can claim for your interest to be paid tax-free by filling in an R85 form. Note that unless you make a claim for tax-free interest, it will continue to be deducted automatically.

Remember that by opening a cash ISA you can save up to the current year's Cash ISA allowance tax-free, however much tax you usually pay. Therefore it is always prudent to take advantage of this tax-free allowance before opening taxed savings accounts in order to secure the best savings accounts interest rates.

AER, Gross, and Net rates

The rate of interest advertised for a savings account will either be the AER (Annual Equivalent Rate), a gross rate, or a net rate. You will usually see an AER percentage advertised as the headline rate of interest on your savings.

The AER is a notional rate, which illustrates what the return on your money would be if interest was paid, and added to the account annually. The gross rate simply shows how much interest would be earned before deducting tax, whereas the net rate shows how much you would be getting after tax.

AERs will give you a general idea of what interest rate your savings would be getting over the year, and the net rate will be a good indicator of how much you can expect to earn after tax. It’s important to be aware of which of these three different interest rates you are being quoted when looking at the best rates for savings accounts.

As ever, it’s vital to do your research when comparing the different savings accounts out there. When you compare savings accounts in UK make sure to take all of the above factors into account, not just the headline rate. That way you will be able to choose the account that offers the best return for your individual circumstances.

Remember to keep an eye on the interest rate you are getting and move your money if necessary when rates drop. By doing so you’ll be able to make your savings work as hard as possible by ensuring they are always housed in the best interest savings accounts available.

Savings Comparison

Find Companies
Discover More
Savings Guides