Savings guides

Saving for your dream can be tough; our savings guides will help you determine the fastest route to your savings target by maximising the potential of your nest egg along the way.

Piggy bank with Santa hat and festive scarf.

12 ways to avoid overspending in December

Here’s how to have a stress-free Christmas and enjoy the festivities without breaking the bank.

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What the Autumn Statement means for your savings

ISAs had a moment in the spotlight with some key changes coming in 2024.

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8 savvy saving tips for Black Friday and Cyber Monday

Savers will need to prepare to make sure they get the best deal.

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Are ISAs still worth it?

Whether you have a cash ISA or are thinking of getting one, you need to know if it's still a good place to invest your money. Here is how to work out if ISAs are worth it for you.

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How the unchanged base rate could impact your savings

The Bank of England decided to hold the base rate at 5.25% for another month.

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How to save £500 in one month for last minute Christmas shopping

Savings challenges are going viral but do they really work?

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The top easy access savings accounts with 5% interest

Rates on easy access accounts remain competitive, enticing savers to move their money from low interest accounts.

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Children’s savings rates have increased by 160% in a year

It’s important to review your child’s savings pot so you can get the best deal.

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Business savings accounts explained | Savings Accounts

You could be making interest on your business's spare cash by moving it into a business savings account. Here is how they work and how to open one.

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Interest rates are dropping on fixed-rate savings but there are still deals available

Top deals have been pulled from the market and providers are assessing their rates on longer-term accounts.

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What's the best place for your money?

Knowing what to do with savings can be difficult, especially with inflation so high. Here is what you can do if you have money to invest.

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6 easy ways to track your savings each month

The key to savings success is to keep a close eye on your progress

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ISA myths and the truth about tax-free savings

We debunk some common myths about ISAs to see whether this type of savings account is right for you.

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Why savers should act now as the base rate remains at 5.25%

The Bank of England’s decision means it’s a good time to compare savings accounts.

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The green savings accounts helping you to save money - and the planet

Green savings accounts are offering interest rates with an ethical bonus on top, but how competitive are they?

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Unlocking top rates on savings accounts comes with a catch

Under-pressure banks are finally starting to release some decent savings accounts - just not to everyone.

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What happens when I exceed my personal savings allowance?

With millions of savers about to be liable for tax on their savings accounts, it’s important to understand when you have to pay it.

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How business savings accounts can help SMEs to grow

A savings account isn’t a legal requirement, but it can support your business in the long run.

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Is it worth opening a savings account?

A savings account is an excellent place to start if you want to start putting away money for the future – whether that’s a holiday six months from now or your first home in five years’ time. Find out more about your options with our five-minute guide.

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What is a fixed bond?

You can usually find a better interest rate if you lock your money away in a fixed bond. Here is what you need to know before you apply.

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How do ISA transfers work?

If you move your ISA to another provider incorrectly you could end up losing your savings' tax-free status. Here is how to transfer your ISA and continue building up your tax-free savings.

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What is a savings account? How do savings accounts work?

A savings account will help you grow your money, whether you need access to your cash or not. Here is how they work and what options you have.

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What is an offshore savings account?

An offshore savings account lets you save your money overseas, but they are not the tax haven you might think. Here is how they work.

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Exclusive: How you can get 7% on your savings and a £10 voucher

Santander reveals a market-leading interest rate with its Santander Edge Saver

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People are missing out on extra money as billions added to 0% interest accounts

Latest stats from the Bank of England reveal £2.1 billion was added to 0% interest accounts in June alone.

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Homebuyers set to be taxed on their deposit savings for the first time

Mortgage rates have gone up and now you might be paying tax on your savings too.

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Why the interest rate on your savings should leap this month

The base rate has increased by 0.25 percentage points, but savers could see a far larger rise after the FCA launched an action plan to ensure higher interest rates are passed on.

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What is the best way to save for your child?

You can save for your child's future in a number of ways, here is how to pick the right children's savings account.

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How to choose the best savings account whatever your financial goals are

Whether you want to save for your first house or a dream holiday, there’s a savings account that will get you there faster.

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How much more interest you can now get on your savings

We take a look at the savings’ landscape to see how rates have changed over the first half of the year and see if the rises are over or the best is yet to come…

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The high interest current accounts competing with savings accounts’ rates

Interest rates have been rising on savings accounts - but some current accounts are also vying for your attention.

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What the new 5% base rate means for your savings

The Bank of England has increased its base rate to 5% in an attempt to tame inflation.

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Up to £32,000 free cash per person on offer from the government - just for using the right savings account

A lifetime ISA rewards your savings habits with a huge bonus, but all that extra cash comes with a couple of strings attached.

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How to save £1,000 in time for your Christmas shopping this year

The secret to a stress-free festive season is to start saving your money today

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13 life hacks to help you save money each month

Small changes that can make a big difference to your savings pot

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When interest rates stop being the most important thing about a savings account

We look at the top interest rates for fixed-rate bonds and compare them to more flexible savings accounts, and ask if that’s really what matters the most.

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Why changing your savings account can earn you 322% more interest

Savings accounts are offering higher interest rates compared to last year, so now is the time to move your money if it’s in a low-interest account.

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Savings accounts react to the Bank of England’s base rate increase

The Bank of England’s decision to increase the base rate to 4.5% marks the highest rate in 15 years - but have savings accounts matched it?

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The savings account deals for existing customers offering up to 7%

Is your bank offering the best interest rate or should you look elsewhere?

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Are savings accounts keeping up with the Bank of England’s base rate?

With rumours that the base rate will rise again in May, some savings accounts are failing to meet its constant increases.

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7 ways to be a savvy saver during the bank holiday weekend

From finding the best deals to making the most of free activities, you don’t need to spend big to make the most of the holidays.

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Young savers offered top interest rates if they live, work or study in certain areas

Where you live could unlock some of the best interest rates in the market, and residents of Bath might be best off of all

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What's the difference between an ISA and a savings account?

You could be forgiven for thinking there’s no real difference between a cash ISA and a standard savings account. But even if they look and work in a similar way, ISAs have qualities that set them apart, as we explain here.

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What's the best junior ISA?

Opening a junior ISA will give your son or daughter a hugely-beneficial start in life. Here we explain all you need to know about junior ISAs, and how to find the best savings and investment vehicle for your nippers.

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What is a children's investment ISA?

You can open an investment ISA for your child at any time. But why would you consider this type of account over any other? We investigate.

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How to transfer a child trust fund to a junior ISA

If you want your child’s money to work hard for them you should consider transferring their child trust fund to a junior ISA. We explain why and how to proceed.

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What is an innovative finance ISA? How does an IFISA work?

It is the third type of ISA that exists alongside the cash ISA and the stocks and shares ISA. Here is how the innovative finance ISA works.

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What is an ISA? How do ISAs work? | Savings Accounts

An ISA lets you earn interest without paying any income tax, but you are limited to how much you can put in. Here is everything you need to know to get started.

Read more on what an ISA is and how they work

How can you actually invest your ISA?

While cash ISAs continue to offer lower returns than inflation, you could consider using your allowance in a stocks and shares ISA instead. Here's how to get started.

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How a stocks and shares ISA works

If you are not put off by risk, you could get a higher rate of interest by using your ISA allowance to invest in stocks and shares. Here is how a stocks and shares ISA works.

More on how a stocks and shares ISAs work

Which savings account should you choose?

Choosing a savings account is not as simple as picking the one with the highest interest rate. Here is how you can get the best account to match your savings needs.

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Should you get a lifetime ISA?

The lifetime ISA lets you earn a 25% bonus on savings up to £4,000 a year. Here is how they work.

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How to organise your savings with a financial spring clean

It’s not just your home that might need a declutter, now is the time to dust off your savings and get things in order

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The ISAs you need to know about ahead of the new tax year

Your annual ISA allowance runs out on April 6, so if you’re planning to use more of yours before it disappears, here’s what you need to know

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Why the Bank of England keeps raising rates

We thought this might be the one, the first time since 2021, that the Bank of England didn’t raise interest rates. It wasn’t.

And when will it stop
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What is a Help to Save account?

If you are on a low income you could benefit from a government-backed scheme called Help to Save that boosts your savings.

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Help to Save scheme extended - here’s how it can help you

You could get an extra £600 added to your savings by the government after just two years.

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What is a savings tracker account and how does it work?

As the base rate rose for the tenth consecutive time last month, we look at whether a savings tracker account is a smart move.

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The rise of notice savings accounts and how they can help you earn more

Interest rates on notice savings accounts are now nearly four times higher than last year

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The top children’s savings accounts offering up to 5% interest

Relax this Mother’s Day knowing you’ve found the best way to save for your child’s future.

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How you can get hold of First Direct’s 7% regular savings account

Regular saving accounts are offering some of the highest rates on the market to encourage more people to save - this is what you need to do to get them

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Top rates on easy access savings accounts rise above 3%

A vast improvement from last year sees providers compete to offer customers far better paying interest rates at last.

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The Help to Buy ISA scheme has supported first time buyers for the past eight years

Help to Buy: The government has paid £824m in bonuses since launch

The Help to Buy ISA was first introduced in December 2015 as a way to help people who were saving for their first home, and since its launch 531,507 property completions have been supported by the scheme.

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Money challenges that can help you to save for your next holiday

How to save £1,456 for your holiday next year

Try one of our challenges and your dream holiday could be a reality.

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Why savings can fall even when the base rate rises

Despite a tenth straight rise in UK interest rates from the Bank of England, some savings rates are actually lower than in December.

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Fixed-rate bond interest rates have increased by more than 400% in a year

Interest rates have soared on fixed-rate bonds over the past 12 months, making them far more rewarding for people with a lump sum to save

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Why savings are essential - and how to build yours up

It's more important than ever to ensure you’re as safe as can be from rising bills, and a savings pot is an essential part of that protection. Here's how to build one.

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Bank of England increases interest rates to 3% - what it means for your money

The Bank of England has just raised interest rates to 3%, their highest level since November 2008. Here's what it means for your savings, mortgages and other borrowing.

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Finding the best savings accounts

There’s no shortage of savings accounts if you’re keen to squirrel away some of your hard-earned cash for the future. But you don’t want to lose out by choosing the wrong one. Here we show the best savings accounts for various savings goals.

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What is Plum?

Plum is a money management app that enables you to save, invest, budget and sort your household bills, all in one place. We explain what you need to know.

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What are Premium Bonds prizes?

Premium bonds are a popular way to save, but unlike other methods of saving, they don’t pay any interest on the money you deposit. Instead, they offer you the chance of winning a prize each month with a maximum value of £1 million.

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Stocks & shares apps – which are good to have?

Find out how to choose the best stocks & shares apps and what you should know before you buy equities within an app.

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What to do with a lump sum of money

It’s a happy thought, but not without its worries: what do you do if a lump sum of money lands in your lap? Here we explain your options.

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How to open a child's bank account

You can start saving for children’s futures as soon as they are born. But what sort of account should you choose? This guide explains the different options available, including what you need to open savings accounts and – for older children – current accounts in a child’s name.

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Bonds or Savings account?

When you are starting to save, you have several choices about where to put your money. You can save into a traditional savings account or choose a savings bond. We explain the pros and cons of both traditional savings accounts and bonds.

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How can a financial advisor help?

There may be times in your life when it would be helpful to get some personal financial advice. A financial adviser can take an overall look at your finances and recommend different products and services which would be suitable for you. Find out more here.

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Apps to save you money

Can money-saving apps really give your bank balance a boost? And just how safe is your hard-earned cash once you start allowing apps to access your bank accounts? Here’s what you need to know.

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Setting up a savings goal

Having a predetermined savings goal is one of the best ways to motivate yourself to start saving money. We investigate the various options available and offer some tips on how to start saving to make your dreams come true.

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Best place to save money

Are you looking for a short-term deposit account, a place where your money can earn interest, or somewhere to save and invest for the long term? Whatever your savings needs, we can help you find the best way to save.

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Are Premium Bonds a safe investment or waste of time?

Premium Bonds let you save money with the chance of winning cash prizes from monthly draws, but are they as straightforward as they seem? Here is how they work.

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What is a Junior ISA?

You can save on behalf of your child with a tax free Junior ISA and build up a pot of money ready for their 18th birthday. Here is what you need to know before you apply.

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The definitive guide to Sharia Banking & Islamic Finance in the UK

Islamic or Sharia banking follows set guidelines taken from Islamic teachings. Here's what you need to know about how it works and how it could help you bank ethically.

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What are rotating savings and credit associations?

Find out how these informal savings and lending schemes work and what to think about before you choose to take part in one.

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How does savings interest and tax work?

Here is how interest works on your savings and how tax can affect what you get as a return.

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How to manage your savings

Whether you have a savings account or an ISA, you need to manage them correctly or you could lose out on interest. Here is how each account works and how they can help your money grow.

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Can you still get a decent return on your savings?

It is tougher than ever to make money from your savings, but you could get a better return if you expand your search for interest. Here are your options.

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What is interest?

Borrowing costs money. A lender will usually charge a borrower a percentage of the money lent, rather than a flat fee. This is called interest. This guide covers the basics of how interest works, what it is and what it means for your finances.

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Smartphone apps that can help you save money

Whether it's setting budgets, monitoring your spending, or saving money, these apps can help you keep track of your finances and help you reach your financial goals.

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What is a Lifetime ISA

Lifetime ISAs can help you save for your first home or your retirement. Here's how they work.

Find out more about Lifetime ISAs

What is a Help to Buy ISA?

The Help to Buy ISA scheme ended on 30th November 2019. You will no longer be able to open a Help to Buy ISA, but If you already have a Help to Buy ISA you will still get the 25% bonus when you withdraw the money to buy your first property.

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