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Top Savings Accounts

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In a world of rock-bottom interest rates, you need to put your money into the right type of savings account with the best possible rate. Yet there are several different types, and bizarrely, the best savings rates are now on current accounts.

This guide will take you through the maze to find the most profitable home for your cash – and keep it safe.

11 need-to-knows before you pick a savings account

A savings account is just a place to dunk cash to earn interest and save for the future. But don't just go for the headline screaming the highest rate without first examining how it works and what the alternatives are.

  • Savings interest is now paid tax free

    It used to be that for every £100 interest earned, basic-rate taxpayers lost £20 in tax, higher rate £40. Yet since 6 April 2016, the new personal savings allowance (PSA) has turned it on its head. Now:

    • All savings interest will be paid gross, ie, there'll be no tax taken off.
    • This works for ALL interest – not just savings accounts, but bank accounts, credit unions & peer-to-peer savings. However share dividends aren't included.
    • Basic 20% rate taxpayers can earn £1,000/yr interest tax-free.
    • Higher 40% rate taxpayers can earn £500/yr interest tax-free.
    • Top 45% rate taxpayers don't get a PSA, so all interest is taxable.
    • Cash ISAs, premium bonds and other tax-free savings interest DON'T count towards the £1,000 (or £500) PSA limit so you can get this interest too.
    • If you earn interest over the limit, you pay tax at your income tax rate, but only on the amount over the limit.

    If you do then owe tax, it'll be taken through your tax code. If you self-assess, you'll declare anything you need to pay there. HMRC estimates the PSA will take 95% of people out of paying savings interest tax altogether. For full info and what to do if you'll earn over the limit see our how the personal savings allowance works guide.

  • If you've costly debts, pay them off before saving

    If the interest cost of your debt is more than you'd earn on savings you're better off paying down the debt. If you've £1,000 on a credit card at 20% it costs £200 a year, assuming a constant balance. In savings at 2%, you'd earn £20 a year, so you'd be £180 a year better off repaying the card. Much more info in Should I Repay Debts With Savings?

    Quick questions

    What if I have a 0% card or a really low rate?

    Shouldn't I have an emergency fund?

  • If you've got a mortgage, check if you should overpay it before saving

    This is the same principle as above: if the mortgage rate is higher than the savings rate, and you can spare the cash, overpaying is a solid financial decision. However, there are possible complications, such as penalties for paying too much...

    Quick questions

    Will I always be allowed to overpay and is there a limit?

    If I overpay my mortgage can I access that extra cash again?

  • Have you used your 2016/17 ISA allowance? It allows you to save and never pay tax on interest

    A cash ISA is simply a savings account where you never pay tax on the interest. Anyone aged 16 or over can put up to £15,240 into their cash ISA during the current tax year.

    Traditionally this was the first place for taxpayers to put a lump sum, yet the new personal savings allowance has made them a less attractive option. Read Martin's are ISAs worth it? blog for full analysis on whether or not you should open one.

    Quick questions

    Isn't my money locked away in an ISA? (That's a common myth – it's not)

  • Are you willing to switch bank account? You can boost savings rates

    Surprisingly, some banks' current accounts pay a higher rate of interest than their savings accounts – these are currently the top rates available, though are under threat following recent cuts to the Bank of England base rate. Unlike normal savings accounts, you'll need to pass a credit check.

    For a selection, see our top pick bank account section below, or for a full range of accounts, see the Best Bank Accounts guide.

  • Can you put money aside each month? Consider a regular saver

    This is a specific product for putting £10-£500 in every month (maximum deposits vary by account). If you want to save more, combine a few. The main advantage is they tend to pay much higher rates of interest than standard deals. For more details and best buys, see the full Regular Savings Accounts guide.

  • Can you lock the cash away? Fixed savings give a (slightly) better return

    You may want to consider getting a fixed-rate savings account where the amount you earn is set in stone over a fixed time period. However, you can't usually access the cash during that time, and even if you can, the penalties can be large.

    Usually fixed rates are higher than easy access, so they can be good deals. However, if normal savings rates were to increase during that time, you'd be unable to ditch and switch to a better payer. See the full top fixed-rate savings section.

  • Up to £75,000 in savings per person is safe in UK-regulated accounts

    Ten years ago, we wouldn't have had to stress this so clearly. No bank had collapsed in 100 years, but then the credit crunch and global market turmoil hit. After the calamities that hit Northern Rock, RBS, the Lloyds group, Bradford & Bingley, Icesave and Kaupthing, every sensible saver should ask: "Is my money safe?"

    Provided the money is in a UK-regulated bank or building society, it's protected under the Financial Services Compensation Scheme (FSCS) for up to £75,000 per person. Read more in the Are My Savings Safe? guide.

    Quick questions

    What counts as UK-regulated?

  • Ditch and switch after introductory 'bonus' rates end

    These are temporary interest boosts to attract new customers. They're actually a good thing for many, as they effectively act as a minimum rate guarantee during the introductory period, promising you at least some interest.

    But it is vital to diarise the end date and switch as soon as the bonus ends, so you don't languish on a rubbish rate. Always know your account's exact name and the rate it pays as some try to flog you a similarly named deal at bonus-end.

  • In a couple? Put savings in the name of the partner who pays less tax

    If one of you pays a lower rate of tax than the other, it's financially worth considering whose name you save in (but ONLY if you trust them). Put it in the lower rate taxpayer's name and it'll fall under a higher personal savings allowance, so you can save more without paying tax. There's nothing stopping married couples or civil partners moving money between them.

    If you're not married, there's no tax on giving your partner a 'gift' – though once the money goes across, be aware it becomes their cash, not yours. The only extra issue here would be inheritance tax. If the person who gave the cash dies within seven years the surviving partner may be charged tax.

  • Got kids? Encourage them to start saving

    If you've got children aged under 18, then you could consider opening a specialist savings account for them. Though they tend to mirror adult accounts (in that you can get easy-access, fixed-rate, ISAs etc), some of the current rates actually beat their grown-up counterparts. Plus, it can be a great way to teach your kids the merits of saving early.

    You can gift enough savings per parent tax-free to earn £100 interest each year – though open a Junior ISA and all interest is tax-free regardless, though the cash is locked away. Other children's savings options include Regular Savings, Easy-Access Savings and Fixed Savings.

Best BuysCurrent Account Savings

The fallout from the recent base rate cut is hitting home. Santander is slashing the headline rate on its 123 current account from 3% to 1.5% in November (see Martin's Should I ditch 123? analysis), followed by other big banks telling us their rates are under review too.

Yet you can still make money from bank accounts, as there are still market-leading savings – with Nationwide the pick of the bunch. Its rate's fixed at 5% (though only for a year). The beauty of fixes is, once the account's opened, these are locked in, regardless of base rate cuts or banks dropping rates at whim – and that security is crucial in these turbulent times.

Beware, though, you've no certainty with variable rates – so apart from Nationwide, all rates could change at any time (though once you have the account, you'll get 60 days' notice).


Get 1.5% interest on up to £20,000 & up to 3% cashback on bills

£5/mth fee, but cashback more than covers it for most

The Santander 123* has been the main beacon of hope for savers in an era of ultra-low rates but has recently chopped its headline rate from 3% to 1.5% on up to £20,000. Even after that though it will still be a winner for many bigger savers. Read Martin's full Santander 123 rate cut – is it still worth it? analysis for more help.

  • You'll get 1.5% on your entire balance up to £20,000.

  • You must pay in £500/mth within a month of your statement date to get interest and cashback.

  • You can earn 3% cashback on landline, mobile, internet & TV bills; 2% on energy and Santander home insurance; and 1% on water bills, council tax & Santander mortgages, provided you pay them by direct debit.

  • You need at least two active direct debits (so not old, closed ones) on the account to get interest and cashback.

  • You can open two accounts, allowing savings of £40,000 at 1.5%, but the second must be a joint account. The same pay-in and direct debit rules apply to that account.

  • You'll need to pass a credit check to get this account.

  • Santander shares its £75,000 UK savings safety guarantee with Cahoot.

Rate (paid on full balance): 1.5% AER variable up to £20k | Fee: £5/mth | Min deposit: £500/mth to get the interest (within a month of your statement date) | Max deposit: None, but interest only paid up to £20,000 | Access: Online, mobile, branch or phone | Interest paid: Monthly | Withdrawal restrictions: Unlimited


How much cashback could I really earn? You get 1% cashback on water, council tax bills and repayments of up to £1,000/mth on Santander mortgages, 2% on bills from major gas and electricity suppliers and on Santander home insurance, and 3% on mobile, home phone, broadband and TV packages. Santander has a list of qualifying suppliers (though it's worth checking with them about your suppliers, even if they're not listed).

We crunched the numbers on how this stacks up for low, average and high bill payers. After the fee, we worked out low users would be up by £11 a year, average users £79 and high users £190, even before savings interest's taken into account.

The cashback works best for those who have a mortgage payment of around £1,000/mth with Santander – but even without the mortgage payment, anyone with high bills will be able to make money from this account, even considering the fee.

Our table details how the account works for low, medium and high bill payers.

What will Santander charge me if I go overdrawn? Well, we hope if you're using this for savings that this won't be an issue. But, Santander's overdraft charges are middling. You'll get an interest-free overdraft for four months when you switch to the account. After that, it charges £1/day for arranged overdrafts, and £6/day if you go over your overdraft limit. There's a maximum charge of £95 in any calendar month.

From 9 January 2017, these charges are going up. You'll still pay £1 per day if you're less than £2,000 overdrawn. Between £2,000 and £2,999.99, you'll pay £2 per day, and £3 per day over £3,000.

How does opening two accounts work? You can only open two accounts if one is a single and one is a joint account – think carefully before doing this, as if you join finances, your partner's credit record affects yours.

This is great if you have up to £40,000 in savings and/or you have a second home with separate bills.

You'll have to pay the £5/mth fee on both accounts but the interest gains could make this relatively insignificant. But you'll still need to satisfy the £500/month pay-in requirement (you need to pay in from outside Santander). You must also have at least two direct debits set up on each account.


5% interest FIXED for 12 months, though only 1% afterwards

Nationwide FlexDirect*

Switch to the Nationwide FlexDirect* account and you'll get an interest rate of 5% AER on the first £2,500 of your cash. This rate is fixed for the first year you hold the account, giving you certainty in these uncertain times, but it drops to 1% after, which isn't such a good deal.

Unusually for a current account with perks, you don't have to set up any direct debits, you can just open this account as an extra.

  • The initial rate is fixed, so provided it's still at 5% when you apply for the account, you know that's the rate you'll get for the first year.

  • To get the interest, you'll need to pay in £1,000+ per month.

  • This account also offers a 12mth 0% overdraft, though the limit you get is credit score dependent. After the 12 months, it charges 50p per day for the overdraft.

  • You need to pass a credit check to get this account.

  • Nationwide has the full £75,000 UK savings safety guarantee.

Rate: 5% AER fixed on up to £2,500 for 12mths; 1% AER variable after | Min deposit: £1,000 per calendar month to get the interest | Max deposit: None, interest only paid up to £2,500 | Access: Online, branch or by phone | Interest paid: Monthly | Withdrawal restrictions: None


How do I get the interest? To get interest, you need to pay in £1,000 a month.

What if I can't pay in £1,000? Nothing happens, you just won't be paid any interest that month.

How much will the overdraft cost? For the first year, your overdraft will cost nothing so long as you stay within your limit. After that, you pay 50p per day you're overdrawn (within your limit). So, if you have a limit of £1,500 and owe £1,000, then you'll pay £182.50 if you're overdrawn every day of the year.

Don't bust your overdraft limit, as you'll pay £5 per day plus a charge of £5 for every paid or unpaid item.

Can I have two accounts? And two overdrafts? You can definitely have two accounts, and can even get two lots of interest – though one of your accounts must be joint to get this. Nationwide say that you may be able to get two overdrafts if you have two FlexDirect accounts, but each would be assessed on its merits, so there's no guarantee.

Other top-interest paying current accounts

It's not just these accounts that offer decent interest rates. Several other accounts give you varying levels of decent interest (see below), and the one you pick should depend on how much cash you're likely to be able to keep in your account.

Be wary of these accounts though. While we've marked below where we know account rates or perks are under review, any bank could choose to cut its rate or change its deal at any point.

The top current account savings interest
For comparison, the top easy-access savings deal open to all pays just 1%.
In-credit interest (AER) Max
interest /yr (1)
Min monthly pay-in How many can you have?
Club Lloyds 4% if you've £4,000-£5,000 (dropping to 2% in Jan) £196 £1,500 2 (2nd must be joint)
Bank of Scotland 3% if you've £3,000-£5,000 £148 £1,000 3
TSB Classic Plus 5% on up to £2,000 (dropping to 3% on £1,500 in Jan) £97 £500 2 (2nd must be joint)
Tesco Bank 3% on up to £3,000 £88 None 2
Halifax £5/mth (dropping to £3 in Feb) (2) £60 £750 2 (2nd must be joint)
(1) Before any tax if you always held the max balance+. (2) Paid regardless of balance, as long as you stay in credit. The £5 is classed as after having paid basic rate tax. So higher taxpayers will lose some of the gain.

Do note there are bank accounts which will pay you up to £100 to switch, which beat some of the accounts below in the first year. See a full list of accounts that pay you to switch.

Best BuysEasy Access Savings

An easy access account does what it says on the tin. Usually. The main idea is you pay cash into them, they pay you interest while the money's in the account and you can withdraw whenever you want.

But interest rates are usually lower than on notice and fixed savings accounts, because you pay for the flexibility to withdraw your cash at any point.

Quick questions (show allhide all)

When is an easy access account not easy access?

What's the difference between an account with a bonus rate and one without?

Can I get a savings account that lets me withdraw cash from ATMs?

My building society has a better rate than accounts here. Why isn't it featured?

How can I avoid paying penalties on withdrawals?

Shawbrook logo

Joint-top rate and allows unlimited withdrawals

NS&I – 1% AER

The Income Bond from NS&I offers the joint-top easy-access rate at 1% and lets you make unlimited penalty-free withdrawals - though the minimum you can withdraw is £500. It's from the government's savings provider NS&I, so all the cash you put in this account is protected.

  • You can make unlimited penalty-free withdrawals of at least £500 from this account.

  • There is no bonus on the account, so the rate could drop at any time – keep an eye on it and switch if this happens.

  • The account is opened and managed online, by phone or by post.

  • Interest is paid monthly into a nominated bank account.

  • 100% of your money saved with NS&I is secured by the Treasury.

Rate: 1% AER | Min deposit: £500 | Max deposit: £1 million | Access: Online/phone/post | Interest paid: Monthly | Withdrawals: Unlimited

Tesco Bank

Joint-top rate with a bonus that acts as a minimum rate guarantee

Tesco Bank – 1% AER

The Internet Saver Account from Tesco Bank Online Saver has the joint-top easy-access rate that includes a 12 month bonus of 0.6%. In this low interest environment, the bonus acts as a minimum rate guarantee though after 12 months the rate effectively plummets – so switch if it can be beaten. You can make unlimited withdrawals with this account so is a good option if you'll need access to your cash.

  • You can make unlimited penalty-free withdrawals from this account.
  • The rate includes a fixed 0.6% bonus for 12 months.
  • The account can be opened and managed online.
  • Tesco Bank has the full £75,000 UK FSCS savings safety protection.

Rate: 1% (inc 0.6% bonus for 12mths) | Min deposit: £1 | Max deposit: £1 million | Access: Online | Interest paid: Annually | Withdrawals: Unlimited

United Bank UK

Decent rate though limited withdrawals

United Bank UK – 0.9% AER

The Easy Access Account from United Bank UK pays a decent rate and you can save from £500. However, the account only allows one free withdrawal per month so if you'll need regular access to your cash, look at other accounts in this guide.

  • You can make one penalty-free withdrawal a month – subsequent withdrawals in the same month cost £1.
  • There is no bonus on the account, so the rate could drop at any time – keep an eye on it and switch if this happens.
  • The account can be opened by post or in branch but must be managed online.
  • United Bank UK has the full £75,000 UK FSCS savings safety protection.

Rate: 0.9% AER | Min deposit: £500 | Max deposit: £200,000| Access: Online | Interest paid: Annually | Withdrawals: One/month

Got £75,000+? How to spread cash for safety

Remember, cash in all the accounts above is protected up to £75,000 per person, per financial institution. If you're lucky enough to have more than this, it's best to spread savings across several different banks in case one gets into difficulty. We've picked a selection of the other top payers…

See list of other top paying accounts

Provider Rate (AER variable) Min/Max Deposit How to Open Withdrawal Restrictions FSCS Protection
Post Office 0.9% (inc 0.65% bonus for 12 mths) £1/£2million Online None Shared
The Nottingham 0.9% £5,000/£250,000 Online None Full
Coventry BS 0.85% £1/£250,000 Online/phone/branch None Full
Manchester BS 0.85% £1,000/£75,000 Post/branch None Full
West Brom BS 0.85% £1,000/£1 million Post/phone 6/year Full

Best BuysNotice savings accounts

You can often boost the interest rate from the easy access accounts above if you're able to wait a little to get your hands on your savings. Generally, the more notice you can give, the better the rate you'll get.

Quick question

Do I always have to give notice on these accounts?

Charter Savings

Boost your interest rate, but only if you can wait 95 days for your cash

Charter Savings – 1.31% AER Variable

Charter Savings' 95-day notice account allows you to boost rates to beat easy access deals, but you need to wait three months for cash when you withdraw, so only get this if you'd never need the money in an emergency.

  • You must open the account online.

  • You can make as many withdrawals as you like as long as you give 95 days' notice each time.

  • You must ensure your balance is at least £1,000, or you'll get just 0.1% interest.
  • Charter Savings also has a 60-day notice account paying 1.2% interest.

  • Charter Savings has the full £75,000 UK FSCS savings safety protection.


Rate: 1.31% AER variable | Min deposit: £1,000 | Max deposit: £250,000 | Access: Online | Interest paid: Annually or monthly| Withdrawals: Must give 95 days' notice

Best BuysFixed savings

Most savings accounts are variable, so the rate can change both with the Bank of England's base rate or at the provider's whim – so to keep earning well you need to actively monitor accounts. Yet there is an alternative...

Fixed-rate savings give a guaranteed rate for a set period, and the best buy fixed-rate deals are usually higher than the best buy easy-access rates.

The big catch is you can't take your money out during that time, and you won't benefit if other rates rise in that period. Therefore, they're only suitable for those who are happy to lock cash away for the entire term.

Quick questions

Is now the right time to fix savings?

Why do you list the AER interest rate when not all of these accounts pay it?

I know these are fixed savings, but can I access my cash?

How do I get paid interest monthly?

The best UK-protected fixed-rate accounts

Here we've included the best UK-protected accounts that pay a fixed rate of interest, from one to five years.

The best one-year fixed rates

Product Rate (AER) Interest paid Min/Max Deposit How to Open FSCS Protection
Secure Trust Bank Charter Savings 1.41% Annually £1,000/£1million Online Full
Atom BankAtom Bank 1.4% Annually or monthly £50/£100,000 Mobile app (Android or iOS) Full
Hampshire Trust Bank Hampshire Trust Bank 1.4% Annually £1,000/£250,000 Online/post Full

Best ‘Big Brand’ Savings. While all the accounts above have the full £75,000 UK savings safety protection – you asked us to ensure there’s a ‘name you know’ too. The account below is the top payer of those (however, there are other products - albeit not by well-known names - as well as the ones above, that beat it on rate too).

Tesco Bank*Tesco Bank 1.26% Annually or monthly £2,000/£5million Online Full

The best two-year fixed rates

Product Rate (AER) When is interest paid? Min/Max Deposit How to Open FSCS Protection
Atom BankAtom Bank 1.6% Annually or monthly £50/£100,000 Mobile app (Android or iOS) Full
Hampshire Trust Bank Hampshire Trust Bank 1.55% Annually £1,000/£250,000 Online/post Full
Masthaven Bank 1.53% Annually or monthly £500/£250,000 Online Full

Best ‘Big Brand’ Savings. While all the accounts above have the full £75,000 UK savings safety protection – you asked us to ensure there’s a ‘name you know’ too. The account below is the top payer of those (however, there are other products - albeit not by well-known names - as well as the ones above, that beat it on rate too).

Tesco Bank*Tesco 1.52% Annually or monthly £2,000/£5 million Online Full

The best three-year fixed rates

Product Rate (AER) When is interest paid? Min/Max deposit How to open FSCS protection
Tesco Bank*Tesco 1.62% Annually or monthly £2,000/£5 million Online Full
Masthaven Bank 1.61% Annually or monthly £500/£250,000 Online Full
Zenith Bank UK*Bank 1.6% Annually £1,000/No limit Online Full

The best four-year fixed rates

Product Rate (AER) When is interest paid? Min/Max deposit How to open FSCS protection
Masthaven Bank 1.81% Annually or monthly £500/£250,000 Online Full

Masthaven doesn't have a four-year bond, so use its Flexible Term Saver option to select a 48-month term

Vanquis Bank*Vanquis Bank 1.8% Annually or monthly £1,000/£250,000 Online Full

The best five-year fixed rates

Product Rate (AER) When is interest paid? Min/Max deposit How to open FSCS protection
Masthaven Bank 2.01% Annually or monthly £500/£250,000 Online Full
Paragon BankParagon Bank 1.95% Annually or monthly £1,000/£100,000 Online Full
Vanquis Bank*Vanquis Bank 1.95% Annually or monthly £1,000/£250,000 Online Full

Best ‘Big Brand’ Savings. While all the accounts above have the full £75,000 UK savings safety protection – you asked us to ensure there’s a ‘name you know’ too. The account below is the top payer of those (however, there are other products - albeit not by well-known names - as well as the ones above, that beat it on rate too).

Tesco Bank*Tesco 1.87% Annually or monthly £2,000/£5 million Online Full

Best Buys Ethical savings

Ethical savings accounts – where providers claim to behave ethically in terms of the environment, human rights and more – have jumped in popularity. Our main focus is always telling you the top savings rates, but to match demand we've worked with Ethical Consumer to list the top-paying accounts that also rate highly on their ethics.

When giving a bank or building society an ethical rating, Ethical Consumer looks at its track record on various environmental, social and political issues. For banks and building societies, this not only looks at how the business is operated, but also who their investors are, and what they invest in.

Ethical easy access savings

These easy access accounts are just the same as the ones above, but here we list only accounts from ethical providers.

Ethical easy access top pick: 0.85% AER

All the accounts below have the full £75,000 UK guarantee.

Ethical Rating 13.5/20

0.85% AER – Unlimited withdrawals

The e-Saver account from Coventry BS pays 0.85% AER variable. You can open the account online with a minimum of £1.

Ethical fixed savings

Again, these operate the same way as normal fixed savings, there's nothing special about what you have to do, but we only list ethical providers here.

Earn up to 1.15% AER fixed in an ethical bank

All the accounts below have the full £75,000 UK guarantee

Ethical Rating 13.5/20

1.01% AER fixed for one year

The Leeds Building Society one-year Fixed Rate Bond pays 1.01% AER on balances over £100. You can apply for the account online, by post or in branch and operate in branch, by phone or post.

Ethical Rating 13.5/20

1.15% AER fixed for two years

The Leeds Building Society pays 1.15% AER on balances over £100 in its two-year Fixed Rate Bond. You can apply for the account online, by post or in branch and operate in branch, by phone or post.

The Savings Calculator

This multifunctional calculator allows you to calculate how much interest you'll be paid, how long you'll need to save for something, or tell you how much you need to save each month to meet a goal.

You might get one rate now, but unless you've fixed your rate, it's likely you won't get the same rate in a year – so you may need to redo the calculation then.

The calculator assumes you put money in at the beginning of each month, so if this isn't how you do it, the answers will be slightly out. If you don't make regular deposits but put lump sums in, figure out the monthly equivalent for a rough answer. Feel free to play with the results to see how it impacts your savings.

Savings Calculator

Pick your question...

How far ahead do you want to look? &
How much tax do you pay?

How much tax do you pay?

When do you need it by? &
How much tax do you pay?

Want to complain about your savings provider?

If your savings provider has given you the incorrect interest rate, or you haven't received your interest at all, then you don't have to suffer in silence. It's always worth trying to call your provider first to see if it can help, but if not...

Free tool if you're having a problem

This tool helps you draft your complaint and manage it too. It's totally free, and offered by a firm called Resolver, which we like so much we work with to help people get complaints justice.

If the complaint isn't resolved, you can use Resolver to escalate it to the free Financial Ombudsman Service.

Q&A Savings

  • What's the top account for joint savings?

  • Are there savings accounts designed for my business?

  • Haven't you forgotten about inflation-linked savings?

  • How does inflation affect my savings?

  • What about when there's deflation?