[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f4tOY_9xt_VodO3a0pZwUn0Aswa7riWO_4oqcyZ_0Af8":3,"$fzPce_ALAf3ctPOBzQrPM4T1Z8YjRMrXutfa2Ynqot1M":19},{"header":4,"footer":12},{"html":5,"meta":6,"$":9},"\u003C!-- header: 7989f14 - 27\u002F08\u002F2026, 13:50:19  -->\u003Cdiv id=\"msehf_header\"> \u003Cdiv class=\"mse-header svelte-imi3g7\">\u003Cdiv class=\"jump-to-content svelte-4vlnig\">\u003Cdiv class=\"jump-to-content__container svelte-4vlnig\">\u003Ca href=\"#content\" class=\"svelte-4vlnig\">Skip to content\u003C\u002Fa>\u003C\u002Fdiv> \u003C\u002Fdiv> \u003Cdiv class=\"full-width-wrapper\">\u003Csection class=\"masthead-top svelte-1ddmv81\">\u003Cdiv class=\"masthead svelte-ubcfy8\">\u003Cheader class=\"branding svelte-ubcfy8\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002F\" class=\"martin svelte-ubcfy8\">\u003Cimg 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href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmobiles\u002Fbest-pay-as-you-go-sim-cards\u002F\" class=\"svelte-rl8qc\">Best pay as you go Sim deals\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmobiles\u002Fcheap-iphone\u002F\" class=\"svelte-rl8qc\">Best iPhone deals\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmobiles\u002Fcheap-roaming-calls\u002F\" class=\"svelte-rl8qc\">Free roaming in Europe\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmobiles\u002Fmobile-recycling\u002F\" class=\"svelte-rl8qc\">Sell my phone\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmobiles\u002F\" class=\"svelte-rl8qc\">Explore all mobiles information\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fcouncil-tax-government-grants\u002F\" class=\"category svelte-rl8qc\">Council Tax & Government Grants\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fcouncil-tax-bands-change\u002F\" class=\"svelte-rl8qc\">Council tax rebanding\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fhow-to-reclaim-council-tax-credit\u002F\" class=\"svelte-rl8qc\">Reclaim council tax\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fsevere-mental-impairment-dementia-council-tax-rebate\u002F\" class=\"svelte-rl8qc\">'Severely mentally impaired' council tax discount\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ffamily\u002Fhousing-and-energy-grants\u002F\" class=\"svelte-rl8qc\">Housing & energy government grants\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Futilities\u002Fwarm-home-discount\u002F\" class=\"svelte-rl8qc\">Warm home discount\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Futilities\u002Ffree-cavity-loft-insulation\u002F\" class=\"svelte-rl8qc\">Free loft insulation\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fcouncil-tax-government-grants\u002F\" class=\"svelte-rl8qc\">Explore all grants information\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item illustration household-bills svelte-rl8qc\">  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Futilities\u002F\" class=\"svelte-rl8qc\">Go to Household Bills\u003C\u002Fa> 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href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Ftrain-delays\u002F\" class=\"svelte-rl8qc\">Train delays compensation\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fpothole-claims\u002F\" class=\"svelte-rl8qc\">Pothole claims\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Foyster-card-refunds\u002F\" class=\"svelte-rl8qc\">Oyster card refunds\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ftax-parking-reclaim\u002F\" class=\"svelte-rl8qc\">Explore all parking & transport reclaiming\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim-consumer-rights\u002F\" class=\"category svelte-rl8qc\">Shopping & Consumer Rights\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fconsumer-rights-refunds-exchange\u002F\" class=\"svelte-rl8qc\">Consumer rights\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Freclaim-tesco-vouchers\u002F\" class=\"svelte-rl8qc\">Reclaim lost Tesco vouchers\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fdelivery-rights\u002F\" class=\"svelte-rl8qc\">Delivery rights\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fsmall-claims-court\u002F\" class=\"svelte-rl8qc\">Small claims court\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fsection75-protect-your-purchases\u002F\" class=\"svelte-rl8qc\">Section 75 refunds\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002Fvisa-mastercard-chargeback\u002F\" class=\"svelte-rl8qc\">Chargeback refunds\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim-consumer-rights\u002F\" class=\"svelte-rl8qc\">Explore all shopping reclaiming\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item illustration reclaim svelte-rl8qc\">  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Freclaim\u002F\" class=\"svelte-rl8qc\">Go to Complain & Reclaim\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item banking-savings svelte-rl8qc  top-level\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fbanking\u002F\" class=\"category svelte-rl8qc\">Banking & Savings\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fbank-accounts\u002F\" class=\"category svelte-rl8qc\">Bank Accounts\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fbanking\u002Fcompare-best-bank-accounts\u002F\" class=\"svelte-rl8qc\">Best bank accounts\u003C\u002Fa> 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href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fbanking\u002Fbusiness-bank-account\u002F\" class=\"svelte-rl8qc\">Business bank accounts\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fbank-accounts\u002F\" class=\"svelte-rl8qc\">Explore all banking information\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002F\" class=\"category svelte-rl8qc\">Savings Accounts\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca 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class=\"svelte-rl8qc\">Porting your mortgage\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmortgages\u002Fremortgage-fees\u002F\" class=\"svelte-rl8qc\">How much will remortgaging cost?\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fremortgaging\u002F\" class=\"svelte-rl8qc\">Explore all remortgaging information\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ffirst-time-mortgage\u002F\" class=\"category svelte-rl8qc\">First-Time Buyers\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item 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href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmortgages\u002Fmortgages-vs-savings\u002F\" class=\"svelte-rl8qc\">Should I overpay my mortgage?\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmortgages\u002Fequity-release\u002F\" class=\"svelte-rl8qc\">Should you equity release?\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmortgages\u002Ftypes-of-mortgage\u002F\" class=\"svelte-rl8qc\">Types of mortgage\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmortgages\u002Fhow-to-sell-a-house\u002F\" class=\"svelte-rl8qc\">How to sell your property\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmortgages\u002Ffree-house-prices\u002F\" class=\"svelte-rl8qc\">Free house valuation\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fhome-ownership\u002F\" class=\"svelte-rl8qc\">Explore all home ownership information\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item illustration mortgage svelte-rl8qc\">  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmortgages\u002F\" class=\"svelte-rl8qc\">Go to Mortgages & Homes\u003C\u002Fa> \u003C\u002Fli> 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href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ftravel\u002Frenew-driving-licence\u002F\" class=\"svelte-rl8qc\">Is your driving licence valid?\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ftravel\u002Fcheap-mot\u002F\" class=\"svelte-rl8qc\">Cheap MOTs\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ftransport\u002F\" class=\"svelte-rl8qc\">Explore all UK transport information\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ftravel-reclaiming\u002F\" class=\"category svelte-rl8qc\">Travel Reclaiming\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" 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svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Finsurance\u002Fcar-insurance\u002F\" class=\"svelte-rl8qc\">Explore all car insurance information\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Finsurance\u002Ftravel-insurance\u002F\" class=\"category svelte-rl8qc\">Travel Insurance\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ftravel\u002Ftravel-tips\u002F\" class=\"svelte-rl8qc\">Travel Tips\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Finsurance\u002Fpre-existing-travel-insurance\u002F\" class=\"svelte-rl8qc\">Travel insurance for pre-existing conditions\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Finsurance\u002Fover65s-travel-insurance\u002F\" class=\"svelte-rl8qc\">Over-65s travel insurance\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Ftravel-insurance\u002Fannual-travel-insurance\u002F\" class=\"svelte-rl8qc\">Annual travel insurance\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Finsurance\u002Fuk-travel-insurance\u002F\" class=\"svelte-rl8qc\">UK travel insurance\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item discover-more svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Finsurance\u002Ftravel-insurance\u002F\" class=\"svelte-rl8qc\">Explore all travel insurance information\u003C\u002Fa> \u003C\u002Fli> \u003C\u002Ful> \u003C\u002Fdiv> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Finsurance\u002Fhome-insurance\u002F\" class=\"category svelte-rl8qc\">Home Insurance\u003C\u002Fa>  \u003Cdiv class=\"menu-wrapper svelte-1myulji\">\u003Cul class=\"svelte-1myulji\">\u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-back\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\" slot=\"action-parent\">\u003C\u002Fli> \u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca href=\"https:\u002F\u002Fwww.moneysavingexpert.com\u002Finsurance\u002Fcheap-mobile-phone-insurance\u002F\" class=\"svelte-rl8qc\">Mobile phone insurance\u003C\u002Fa> \u003C\u002Fli>\u003Cli class=\"mega-menu-item svelte-rl8qc\">\u003Ca 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\u003C\u002Ffooter>\u003C\u002Fdiv>",{"scriptUrl":15,"styleUrl":16},null,"https:\u002F\u002Fcdn.moneysavingexpert.com\u002Ffooter\u002Fassets\u002Fstyle-PEeqC3Y9.css",{"component":18,"source":11},"footer",{"accountTypes":20,"content":4851,"savingsHubPicker":5238},[21,741,1628,2565,3075,3189,3295,3415,3537,3965,4153,4259,4381,4500,4616,4719],{"accountTypeKey":22,"accountTypeTitle":23,"position":24,"accountTypeShort":25,"accountTypeDescriptionSnippet":26,"accountTypeDescription":27,"accountTypeFullGuideCopy":60,"accountListingControl":186,"accountTypeSlogan":25,"accountTypeLogo":734,"accountTypeNavLogo":735,"raisinAccountTypeKey":736,"accountTypeStartingScore":24,"accountTypeGoodMatchText":737,"accountTypeBadMatchText":738,"guideUrl":739,"guideUrlCopy":740},"top-easy-access-savings","Easy access",1,"The bog standard place to start","With easy-access accounts, you pay cash into them, then they pay you interest while the money's in the account and you can withdraw whenever you want – useful if...",{"nodeType":28,"data":29,"content":30},"document",{},[31,40],{"nodeType":32,"data":33,"content":34},"paragraph",{},[35],{"nodeType":36,"value":37,"marks":38,"data":39},"text","With easy-access accounts, they pay interest on your savings while the money's in there, but you can withdraw whenever you want. Rates are variable, so monitor 'em and be ready to ditch and switch.",[],{},{"nodeType":32,"data":41,"content":42},{},[43,47,56],{"nodeType":36,"value":44,"marks":45,"data":46},"Yet, currently, ",[],{},{"nodeType":48,"data":49,"content":51},"hyperlink",{"uri":50},"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings-hub\u002F#cash-isa",[52],{"nodeType":36,"value":53,"marks":54,"data":55},"easy-access cash ISAs",[],{},{"nodeType":36,"value":57,"marks":58,"data":59}," pay up to 4.8% - so jump down to check whether they'd suit better...",[],{},{"data":61,"content":62,"nodeType":28},{},[63,88,122,145,166],{"data":64,"content":65,"nodeType":32},{},[66,70,75,79,84],{"data":67,"marks":68,"value":69,"nodeType":36},{},[],"Right now, top ",{"data":71,"marks":72,"value":53,"nodeType":36},{},[73],{"type":74},"underline",{"data":76,"marks":77,"value":78,"nodeType":36},{},[]," pay more than top savings. Cash ISAs are just savings accounts you NEVER pay tax on, and all UK adults get an ISA allowance at the start of each tax year. So if you've yet to use this year's £20,000 allowance, we'd start with ",{"data":80,"marks":81,"value":83,"nodeType":36},{},[82],{"type":74},"Trading 212's 5.2% easy-access ISA",{"data":85,"marks":86,"value":87,"nodeType":36},{},[],".",{"data":89,"content":90,"nodeType":32},{},[91,97,101,109,113,118],{"data":92,"marks":93,"value":96,"nodeType":36},{},[94],{"type":95},"bold","Prefer a standard savings account? ",{"data":98,"marks":99,"value":100,"nodeType":36},{},[],"If you don't want an ISA or have used up this year's allowance, the top open-to-all standard savings account with unlimited withdrawals is ",{"data":102,"content":104,"nodeType":48},{"uri":103},"https:\u002F\u002Fwww.oxbury.com\u002Feasy-access-account-special-edition-04.09.24-eap003",[105],{"data":106,"marks":107,"value":108,"nodeType":36},{},[],"Oxbury",{"data":110,"marks":111,"value":112,"nodeType":36},{},[]," at 4.87%, though you'll need a hefty £25,000+ to open the account. If you've less, ",{"data":114,"marks":115,"value":117,"nodeType":36},{},[116],{"type":74},"Santander-owned-Cahoot's Simple Saver",{"data":119,"marks":120,"value":121,"nodeType":36},{},[]," pays a smidge less at 4.85% and the account can be opened easily online with £1 or more, plus it's from a well-known name.",{"data":123,"content":124,"nodeType":32},{},[125,130,135,139],{"data":126,"marks":127,"value":129,"nodeType":36},{},[128],{"type":95},"Boost your rate with £100 cashback via an online savings platform. ",{"data":131,"marks":132,"value":134,"nodeType":36},{},[133],{"type":74},"GB Bank's easy-access account",{"data":136,"marks":137,"value":138,"nodeType":36},{},[]," also pays 4.85%, though it's only available via online savings platform Raisin. However, Raisin newbies can get £100 cashback ",{"data":140,"marks":141,"value":144,"nodeType":36},{},[142],{"type":143},"italic","(click the link for more info).",{"data":146,"content":147,"nodeType":32},{},[148,153,157,162],{"data":149,"marks":150,"value":152,"nodeType":36},{},[151],{"type":95},"Want to max every penny?",{"data":154,"marks":155,"value":156,"nodeType":36},{},[]," ",{"data":158,"marks":159,"value":161,"nodeType":36},{},[160],{"type":74},"Ulster Bank (owned by NatWest)",{"data":163,"marks":164,"value":165,"nodeType":36},{},[]," pays more than the above at 5.2%, though only till 14 Oct, at which point it falls to 4.75%. 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",[],{},{"nodeType":32,"data":408,"content":409},{},[410],{"nodeType":36,"value":411,"marks":412,"data":413},"You don't have to keep all your money deposited the whole time though, bonus interest is calculated daily, so you could withdraw your deposit whenever you like, just leave the £1 minimum in to keep the account open, and still receive your bonus interest. The underlying interest rate is paid each month, while the fixed bonus is paid after the 12mths are up. ",[],{},{"nodeType":32,"data":415,"content":416},{},[417,422],{"nodeType":36,"value":418,"marks":419,"data":421},"Extra bonus for mortgage customers: ",[420],{"type":95},{},{"nodeType":36,"value":423,"marks":424,"data":425},"This account also pays an additional 1% 12-month fixed bonus, but only to account holders who complete a mortgage or remortgage through Tembo's mortgage advice service in their first three years. 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",[],{},{"data":1645,"content":1646,"nodeType":28},{},[1647],{"data":1648,"content":1649,"nodeType":32},{},[1650],{"data":1651,"marks":1652,"value":1653,"nodeType":36},{},[],"TBD",[1655],{"metadata":1656,"sys":1659,"fields":1671},{"tags":1657,"concepts":1658},[],[],{"space":1660,"id":1662,"type":198,"createdAt":1663,"updatedAt":1664,"environment":1665,"publishedVersion":1667,"revision":1668,"contentType":1669,"locale":211},{"sys":1661},{"type":194,"linkType":195,"id":196},"2F2vPO6dfAysvNTKeXfPy7","2024-10-30T15:34:29.065Z","2026-10-09T16:10:05.066Z",{"sys":1666},{"id":203,"type":194,"linkType":204},1067,329,{"sys":1670},{"type":194,"linkType":209,"id":210},{"accountTermKey":1672,"accountTermCopy":214,"accountTermCopyDesc":1673,"topAccounts":1674,"bestKnownNameAccounts":2312,"noFussLowAdminAccounts":2557},"easy-access-isa-best-buys","Up to 4.72%",[1675,1866,2068,2254],{"metadata":1676,"sys":1679,"fields":1691},{"tags":1677,"concepts":1678},[],[],{"space":1680,"id":1682,"type":198,"createdAt":1683,"updatedAt":1684,"environment":1685,"publishedVersion":1687,"revision":1688,"contentType":1689,"locale":211},{"sys":1681},{"type":194,"linkType":195,"id":196},"3Y8bEjb0yoQ7llGWno6YGq","2024-10-30T16:17:06.080Z","2026-10-09T16:10:05.086Z",{"sys":1686},{"id":203,"type":194,"linkType":204},400,101,{"sys":1690},{"type":194,"linkType":209,"id":233},{"productKey":1692,"productTitle":1693,"productMinDeposit":1013,"productMaxDeposit":1694,"productAer":1695,"productInternalUrl":1696,"productExternalUrl":1697,"productAffiliate":242,"productBank":1698,"productIsTrackedLink":244,"productDetails":1699,"productGuideInterstitial":464,"productInterestPayment":1828,"productOpenMethod":1829,"productKeyPerks":1830,"additionalProductHighlights":1840,"productLogoUrl":1864,"productIsRaisin":244,"productSummary":1865},"moneyboxisa","Moneybox Cash ISA Easy Access Account","£20k each tax year","4.78%","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fbest-cash-isa\u002F","https:\u002F\u002Fwww.moneyboxapp.com\u002Fcash-isa","Moneybox - newbies only",[1700],{"metadata":1701,"sys":1704,"fields":1715},{"tags":1702,"concepts":1703},[],[],{"space":1705,"id":1707,"type":198,"createdAt":1708,"updatedAt":1709,"environment":1710,"publishedVersion":1712,"revision":501,"contentType":1713,"locale":211},{"sys":1706},{"type":194,"linkType":195,"id":196},"55dkaCvCVqzPYuwOJSi3QT","2025-03-18T16:14:32.138Z","2026-10-09T16:10:05.108Z",{"sys":1711},{"id":203,"type":194,"linkType":204},349,{"sys":1714},{"type":194,"linkType":209,"id":383},{"productDetailTitle":1716,"productDetailCopy":1717},"Moneybox cash ISA 'need to knows'",{"nodeType":28,"data":1718,"content":1719},{},[1720,1738,1745,1753,1772,1788,1813],{"nodeType":32,"data":1721,"content":1722},{},[1723,1726,1734],{"nodeType":36,"value":461,"marks":1724,"data":1725},[],{},{"nodeType":48,"data":1727,"content":1728},{"uri":1697},[1729],{"nodeType":36,"value":1730,"marks":1731,"data":1733},"Moneybox",[1732],{"type":95},{},{"nodeType":36,"value":1735,"marks":1736,"data":1737}," currently pays 4.78% AER variable – this is comprised of an underlying 3.45% plus a 12-month 1.33% bonus. You can only make three penalty-free withdrawals a year (the rate plummets to 0.75% if you make more), so it's best for those who won't need regular access to their savings.",[],{},{"nodeType":32,"data":1739,"content":1740},{},[1741],{"nodeType":36,"value":1742,"marks":1743,"data":1744},"This is only available for new Moneybox cash ISA customers – you can't have previously signed up to its cash ISA at any point in the past, though you can get it if you've had other Moneybox accounts.",[],{},{"nodeType":32,"data":1746,"content":1747},{},[1748],{"nodeType":36,"value":1749,"marks":1750,"data":1752},"About FSCS protection for this account",[1751],{"type":95},{},{"nodeType":32,"data":1754,"content":1755},{},[1756,1760,1768],{"nodeType":36,"value":1757,"marks":1758,"data":1759},"When you deposit into Moneybox's cash ISA, the funds are held in a 'client money account', separate from Moneybox's own money. Moneybox currently holds its client money with one of many banks – ",[],{},{"nodeType":48,"data":1761,"content":1763},{"uri":1762},"https:\u002F\u002Fwww.moneyboxapp.com\u002Ffscs-protection\u002F",[1764],{"nodeType":36,"value":1765,"marks":1766,"data":1767},"see the full list",[],{},{"nodeType":36,"value":1769,"marks":1770,"data":1771},"  – which means YOUR money could be with one (or more) of these banks. These are all fully regulated UK banks and are therefore covered by the FSCS.",[],{},{"nodeType":32,"data":1773,"content":1774},{},[1775,1779,1784],{"nodeType":36,"value":1776,"marks":1777,"data":1778},"You can find out which of these banks your money is actually being held with by contacting Moneybox's customer service team, however it's important to understand that if you've existing savings with any of them, the FSCS only covers up to £120,000 per person, ",[],{},{"nodeType":36,"value":1780,"marks":1781,"data":1783},"per financial institution",[1782],{"type":143},{},{"nodeType":36,"value":1785,"marks":1786,"data":1787}," – in other words, the total protection for all accounts held with a particular bank is capped at £120,000.",[],{},{"nodeType":32,"data":1789,"content":1790},{},[1791,1795,1800,1804,1809],{"nodeType":36,"value":1792,"marks":1793,"data":1794},"It's also important to understand that, while your deposit and interest ",[],{},{"nodeType":36,"value":1796,"marks":1797,"data":1799},"paid ",[1798],{"type":143},{},{"nodeType":36,"value":1801,"marks":1802,"data":1803},"are covered by the FSCS, interest ",[],{},{"nodeType":36,"value":1805,"marks":1806,"data":1808},"due but not yet paid ",[1807],{"type":143},{},{"nodeType":36,"value":1810,"marks":1811,"data":1812},"is not covered. However, Moneybox does ringfence these funds, so in the unlikely event it did go bust, you'd have a clear claim to the unpaid accrued interest. ",[],{},{"nodeType":32,"data":1814,"content":1815},{},[1816,1819,1825],{"nodeType":36,"value":449,"marks":1817,"data":1818},[],{},{"nodeType":48,"data":1820,"content":1821},{"uri":454},[1822],{"nodeType":36,"value":457,"marks":1823,"data":1824},[],{},{"nodeType":36,"value":461,"marks":1826,"data":1827},[],{},"monthly ","online or via app (min £500)",{"nodeType":28,"data":1831,"content":1832},{},[1833],{"nodeType":32,"data":1834,"content":1835},{},[1836],{"nodeType":36,"value":1837,"marks":1838,"data":1839},"- 3.45% variable + 1yr 1.33% bonus\n- Rate falls to 0.75% after 3 withdrawals\u002Fyear",[],{},{"data":1841,"content":1842,"nodeType":28},{},[1843],{"data":1844,"content":1845,"nodeType":32},{},[1846,1850,1855,1859],{"data":1847,"marks":1848,"value":1849,"nodeType":36},{},[],"- Is ",{"data":1851,"marks":1852,"value":1854,"nodeType":36},{},[1853],{"type":95},"NOT",{"data":1856,"marks":1857,"value":1858,"nodeType":36},{},[]," a flexible ISA\n",{"data":1860,"marks":1861,"value":1863,"nodeType":36},{},[1862],{"type":95},"- Can transfer in","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F911728f3-8502-4dc5-a3c8-aceca16f6c1b\u002Fa494ae6c323a376644160c3adaf50c48\u002Fhero-team-blog-moneysavingidiot-abroad-piggy-bank-plane-passport-edited.jpg",{},{"metadata":1867,"sys":1870,"fields":1882},{"tags":1868,"concepts":1869},[],[],{"space":1871,"id":1873,"type":198,"createdAt":1874,"updatedAt":1875,"environment":1876,"publishedVersion":1878,"revision":1879,"contentType":1880,"locale":211},{"sys":1872},{"type":194,"linkType":195,"id":196},"3tcavRFj6xMNlGLPwbdQxn","2025-02-06T15:01:10.579Z","2026-10-09T16:10:05.119Z",{"sys":1877},{"id":203,"type":194,"linkType":204},214,55,{"sys":1881},{"type":194,"linkType":209,"id":233},{"productKey":1883,"productTitle":1884,"productMinDeposit":237,"productMaxDeposit":1885,"productAer":1886,"productInternalUrl":240,"productExternalUrl":1887,"productAffiliate":242,"productBank":1888,"productIsTrackedLink":244,"productDetails":1889,"productGuideInterstitial":464,"productInterestPayment":304,"productOpenMethod":305,"productKeyPerks":2009,"additionalProductHighlights":2019,"productLogoUrl":2056,"productVitalInfo":2057,"productIsRaisin":244,"productSummary":2067},"chip-smart-isa","Savings Accounts - Easy Access - Chip smart isa","£20,000 each tax year","4.76%","https:\u002F\u002Fwww.getchip.uk\u002Fsavings-accounts\u002Fsmart-cash-isa","Chip - newbies only",[1890],{"metadata":1891,"sys":1894,"fields":1906},{"tags":1892,"concepts":1893},[],[],{"space":1895,"id":1897,"type":198,"createdAt":1898,"updatedAt":1899,"environment":1900,"publishedVersion":1902,"revision":1903,"contentType":1904,"locale":211},{"sys":1896},{"type":194,"linkType":195,"id":196},"74x4dEByDUgbPgtntbX2ms","2025-02-06T15:00:09.897Z","2026-10-09T16:10:05.149Z",{"sys":1901},{"id":203,"type":194,"linkType":204},166,38,{"sys":1905},{"type":194,"linkType":209,"id":383},{"productDetailTitle":1907,"productDetailCopy":1908},"Key 'need to knows'",{"nodeType":28,"data":1909,"content":1910},{},[1911,1938,1946,1953,1961,1980,1987,2002],{"nodeType":32,"data":1912,"content":1913},{},[1914,1918,1925,1929,1934],{"nodeType":36,"value":1915,"marks":1916,"data":1917},"If you're new to ",[],{},{"nodeType":48,"data":1919,"content":1920},{"uri":1887},[1921],{"nodeType":36,"value":1922,"marks":1923,"data":1924},"Chip",[],{},{"nodeType":36,"value":1926,"marks":1927,"data":1928}," (ie, you've never had ",[],{},{"nodeType":36,"value":1930,"marks":1931,"data":1933},"any ",[1932],{"type":143},{},{"nodeType":36,"value":1935,"marks":1936,"data":1937},"of its accounts before) you'll get 4.76% – this is made up of 3.5% variable plus a 12-month 1.26% bonus paid on new money and transfers. Note that the underlying variable rate tracks the Bank of England base rate.",[],{},{"nodeType":1939,"data":1940,"content":1941},"heading-3",{},[1942],{"nodeType":36,"value":1943,"marks":1944,"data":1945},"You may be charged an interest penalty to close your account or transfer out",[],{},{"nodeType":32,"data":1947,"content":1948},{},[1949],{"nodeType":36,"value":1950,"marks":1951,"data":1952},"If you choose to close your account or transfer out, you will be charged a penalty of any interest earned but not paid. Your interest is calculated daily, and each calendar month's interest is paid on the 10th business day of the following month. This means that even if you time your closure\u002Ftransfer to take place just after being paid the previous month's interest, you'll still lose the interest accrued in the current month. This effectively works like an exit penalty. Be aware, particularly if you've larger savings, as even a few days' interest can be significant EG with £50,000 saved in an ISA at 4.76%, 10 days' loss of interest would be over £60. ",[],{},{"nodeType":32,"data":1954,"content":1955},{},[1956],{"nodeType":36,"value":1957,"marks":1958,"data":1960},"To withdraw, you'll need to connect to Open Banking (though there's a workaround).",[1959],{"type":95},{},{"nodeType":32,"data":1962,"content":1963},{},[1964,1968,1976],{"nodeType":36,"value":1965,"marks":1966,"data":1967},"Chip says this is a way for it to quickly verify the account you're withdrawing to, as a way to eliminate fraud. Or, you can contact Chip's customer service team via the app, or message ",[],{},{"nodeType":48,"data":1969,"content":1971},{"uri":1970},"mailto:%20hello@getchip.uk",[1972],{"nodeType":36,"value":1973,"marks":1974,"data":1975},"hello@getchip.uk",[],{},{"nodeType":36,"value":1977,"marks":1978,"data":1979}," and they will do manual anti-fraud checks to allow you to withdraw.",[],{},{"nodeType":32,"data":1981,"content":1982},{},[1983],{"nodeType":36,"value":1749,"marks":1984,"data":1986},[1985],{"type":95},{},{"nodeType":32,"data":1988,"content":1989},{},[1990,1994,1998],{"nodeType":36,"value":1991,"marks":1992,"data":1993},"The Chip Cash ISA has full FSCS protection up to £120,000",[],{},{"nodeType":36,"value":87,"marks":1995,"data":1997},[1996],{"type":95},{},{"nodeType":36,"value":1999,"marks":2000,"data":2001}," However, because Chip isn’t a bank, your money’s held in a separate ‘client money account’ with one or more UK-licenced banks – currently Barclays, Lloyds, Virgin Money, HSBC, Santander, National Bank of Kuwait (International) and Qatar National Bank (Q.P.S.C) – all fully regulated and covered by the FSCS.",[],{},{"nodeType":32,"data":2003,"content":2004},{},[2005],{"nodeType":36,"value":2006,"marks":2007,"data":2008},"Keep in mind: FSCS protection is £120,000 per person, per financial institution. So if you already have savings with any of these banks (or their brands, like First Direct for HSBC or Nationwide for Virgin Money), your combined total with each group is only protected up to £120,000. If you’re over that limit and the bank went bust, any extra savings could be at risk.",[],{},{"data":2010,"content":2011,"nodeType":28},{},[2012],{"data":2013,"content":2014,"nodeType":32},{},[2015],{"data":2016,"marks":2017,"value":2018,"nodeType":36},{},[],"- 3.5% variable + 12mth 1.26% bonus",{"data":2020,"content":2021,"nodeType":28},{},[2022],{"data":2023,"content":2024,"nodeType":32},{},[2025,2029,2035,2039,2044,2048,2052],{"data":2026,"marks":2027,"value":2028,"nodeType":36},{},[],"- Is a ",{"data":2030,"content":2034,"nodeType":1034},{"target":2031},{"sys":2032},{"id":2033,"type":194,"linkType":198},"2m5KJsvtQPFpEfbXTEEr0O",[],{"data":2036,"marks":2037,"value":2038,"nodeType":36},{},[],"\n",{"data":2040,"marks":2041,"value":2043,"nodeType":36},{},[2042],{"type":95},"Important. ",{"data":2045,"marks":2046,"value":2047,"nodeType":36},{},[],"You'll pay an interest penalty if you close the account or transfer out ",{"data":2049,"marks":2050,"value":2051,"nodeType":36},{},[],"– click t",{"data":2053,"marks":2054,"value":2055,"nodeType":36},{},[],"he link for full info.","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F4u4bzztDx4WGJtApnJVQKn\u002F9b4d01a99f44be36aca98286072ac796\u002Fgalleryicon.webp",{"data":2058,"content":2059,"nodeType":28},{},[2060],{"data":2061,"content":2062,"nodeType":32},{},[2063],{"data":2064,"marks":2065,"value":1863,"nodeType":36},{},[2066],{"type":95},[],{"metadata":2069,"sys":2072,"fields":2084},{"tags":2070,"concepts":2071},[],[],{"space":2073,"id":2075,"type":198,"createdAt":2076,"updatedAt":2077,"environment":2078,"publishedVersion":2080,"revision":2081,"contentType":2082,"locale":211},{"sys":2074},{"type":194,"linkType":195,"id":196},"58CXzp9jFpQBYcLdzOH1sT","2024-10-30T15:51:16.924Z","2026-10-09T16:10:05.159Z",{"sys":2079},{"id":203,"type":194,"linkType":204},515,154,{"sys":2083},{"type":194,"linkType":209,"id":233},{"productKey":2085,"productTitle":2086,"productMinDeposit":237,"productAer":2087,"productInternalUrl":1696,"productExternalUrl":2088,"productAffiliate":364,"productBank":2089,"productIsTrackedLink":464,"productDetails":2090,"productGuideInterstitial":464,"productInterestPayment":304,"productOpenMethod":2215,"productKeyPerks":2216,"additionalProductHighlights":2232,"productLogoUrl":2252,"productIsRaisin":244,"productSummary":2253},"trading212isa","Trading212 Cash ISA Easy Access Account","4.75%","http:\u002F\u002Fwww.moneysavingexpert.com\u002Fredir\u002Faf4a851e","Trading 212 - newbies only",[2091],{"metadata":2092,"sys":2095,"fields":2107},{"tags":2093,"concepts":2094},[],[],{"space":2096,"id":2098,"type":198,"createdAt":2099,"updatedAt":2100,"environment":2101,"publishedVersion":2103,"revision":2104,"contentType":2105,"locale":211},{"sys":2097},{"type":194,"linkType":195,"id":196},"6r6e0j7NKvQ3g3cYrFr5DK","2025-02-10T10:24:04.842Z","2026-10-07T14:07:14.349Z",{"sys":2102},{"id":203,"type":194,"linkType":204},370,103,{"sys":2106},{"type":194,"linkType":209,"id":383},{"productDetailTitle":1907,"productDetailCopy":2108},{"nodeType":28,"data":2109,"content":2110},{},[2111,2137,2153,2160,2179,2186,2193,2208],{"nodeType":32,"data":2112,"content":2113},{},[2114,2117,2124,2128,2133],{"nodeType":36,"value":1915,"marks":2115,"data":2116},[],{},{"nodeType":48,"data":2118,"content":2119},{"uri":2088},[2120],{"nodeType":36,"value":2121,"marks":2122,"data":2123},"Trading 212*",[],{},{"nodeType":36,"value":2125,"marks":2126,"data":2127}," and apply via our link using promo code ",[],{},{"nodeType":36,"value":2129,"marks":2130,"data":2132},"MSE",[2131],{"type":143},{},{"nodeType":36,"value":2134,"marks":2135,"data":2136}," you’ll get 4.75% – this is made up of 3.6% variable plus a 12-month 1.15% fixed bonus. The bonus rate only applies to new money you pay in and transfers of cash deposited in the current tax year. If you transfer money from another ISA which includes deposits from previous tax years, that 'older money' will only earn 3.6%.",[],{},{"nodeType":32,"data":2138,"content":2139},{},[2140,2144,2149],{"nodeType":36,"value":2141,"marks":2142,"data":2143},"To get the bonus rate you must use promo code ",[],{},{"nodeType":36,"value":2145,"marks":2146,"data":2148},"MSE ",[2147],{"type":143},{},{"nodeType":36,"value":2150,"marks":2151,"data":2152},"when signing up – this should be applied automatically if you go via our link, but you can also enter it manually in the app within 10 days of opening the account. You'll also need to put £1+ in the account within 10 days.",[],{},{"nodeType":32,"data":2154,"content":2155},{},[2156],{"nodeType":36,"value":2157,"marks":2158,"data":2159},"Trading 212 is mainly an investment platform, so this ISA is likely a loss-leader to attract new savers who may then open other investment products. There’s nothing wrong with that – your ISA savings stay in cash and won’t be invested – but don’t be tempted to try investing unless you fully understand the risks.",[],{},{"nodeType":32,"data":2161,"content":2162},{},[2163,2167,2175],{"nodeType":36,"value":2164,"marks":2165,"data":2166},"If you only want the savings account, make sure you choose ‘Trading 212 Cash ISA’ when you apply. It also offers a stocks & shares ISA, which is very different (we cover those on our ",[],{},{"nodeType":48,"data":2168,"content":2170},{"uri":2169},"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fstocks-shares-isas\u002F",[2171],{"nodeType":36,"value":2172,"marks":2173,"data":2174},"stocks and shares ISA",[],{},{"nodeType":36,"value":2176,"marks":2177,"data":2178}," page).",[],{},{"nodeType":32,"data":2180,"content":2181},{},[2182],{"nodeType":36,"value":2183,"marks":2184,"data":2185},"One final thing: Trading 212’s help is online-only, via live chat or email. If you’d rather have phone support, check our table for other top-paying cash ISAs with phone lines.",[],{},{"nodeType":2187,"data":2188,"content":2189},"heading-4",{},[2190],{"nodeType":36,"value":1749,"marks":2191,"data":2192},[],{},{"nodeType":32,"data":2194,"content":2195},{},[2196,2200,2204],{"nodeType":36,"value":2197,"marks":2198,"data":2199},"The Trading 212 Cash ISA has full FSCS protection up to £120,000",[],{},{"nodeType":36,"value":87,"marks":2201,"data":2203},[2202],{"type":95},{},{"nodeType":36,"value":2205,"marks":2206,"data":2207}," However, because Trading 212 isn’t a bank, your money’s held in a separate ‘client money account’ with one or more banks – currently Barclays, NatWest and JPMorgan – all fully regulated and covered by the FSCS.",[],{},{"nodeType":32,"data":2209,"content":2210},{},[2211],{"nodeType":36,"value":2212,"marks":2213,"data":2214},"Keep in mind: FSCS protection is £120,000 per person, per financial institution. So if you already have savings with any of these banks (or their brands, like Chase for JPMorgan or Ulster Bank for NatWest), your combined total with each group is only protected up to £120,000. 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than easy access or fixed accounts, but you can generally only save a little in to them each month (up to £250 is common, though a few allow more), and you usually can't withdraw it till the end of the term. They're a good way to save if you're putting something aside each month, or if you're savvy enough to dripfeed cash from other savings accounts. ",[],{},{"nodeType":32,"data":3176,"content":3177},{},[3178],{"nodeType":36,"value":3179,"marks":3180,"data":3181},"There are two main types of regular saver - bank-linked accounts, and those open to all. The bank-linked regular savers require you to have a current account with that bank to get the regular saver, and these are usually the ones that pay the top rates. First Direct, Santander, Nationwide, NatWest and TSB are big names in this space. Open-to-all regular savers do as their name suggests. But they usually pay lower rates and \u002F or have lower maximum pay-ins per month.",[],{},"Top rates on small, regular amounts","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F3eD8ZFQ9LvJ5WDkgACwYn4\u002Fe59ffb94dd4e4ac660008d890f466df6\u002FSavingsHubIcon-Regular.png","You do\u002Fcan save something most months","You don't\u002Fcan't save something most months","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fbest-regular-savings-accounts\u002F","See all regular saving best buys & analysis",[],{"accountTypeKey":3190,"accountTypeTitle":3191,"position":1467,"accountTypeShort":3192,"accountTypeDescriptionSnippet":3193,"accountTypeDescription":3194,"accountTypeFullGuideCopy":3278,"accountTypeSlogan":3287,"accountTypeLogo":3288,"accountTypeNavLogo":3289,"accountTypeStartingScore":709,"accountTypeGoodMatchText":3290,"accountTypeBadMatchText":3291,"guideUrl":3292,"guideUrlCopy":3293,"accountListingControl":3294},"mortgage","Overpay your mortgage","More effective than saving...for some","For many, the interest charged on your mortgage will outweigh the interest generated by saving - so, if you've enough saved for emergencies and planned purchases, overpaying your mortgage can be a good option.",{"nodeType":28,"data":3195,"content":3196},{},[3197,3267],{"nodeType":3084,"data":3198,"content":3202,"fields":3203},{"target":3199},{"sys":3200},{"id":3201,"type":194,"linkType":198},"3JeWUNmBT5iLVEulrsWJMB",[],{"variant":3091,"text":3204},{"nodeType":28,"data":3205,"content":3206},{},[3207,3261],{"nodeType":3096,"data":3208,"content":3209},{},[3210,3225,3247],{"nodeType":3100,"data":3211,"content":3212},{},[3213],{"nodeType":32,"data":3214,"content":3215},{},[3216,3220],{"nodeType":36,"value":3217,"marks":3218,"data":3219},"Interest: You could avoid average mortgage interest of ",[],{},{"nodeType":36,"value":3221,"marks":3222,"data":3224},"5%+",[3223],{"type":95},{},{"nodeType":3100,"data":3226,"content":3227},{},[3228],{"nodeType":32,"data":3229,"content":3230},{},[3231,3234,3238,3242],{"nodeType":36,"value":3122,"marks":3232,"data":3233},[],{},{"nodeType":36,"value":237,"marks":3235,"data":3237},[3236],{"type":95},{},{"nodeType":36,"value":3239,"marks":3240,"data":3241},", the ",[],{},{"nodeType":36,"value":3243,"marks":3244,"data":3246},"maximum depends how much you owe",[3245],{"type":95},{},{"nodeType":3100,"data":3248,"content":3249},{},[3250],{"nodeType":32,"data":3251,"content":3252},{},[3253,3256],{"nodeType":36,"value":3146,"marks":3254,"data":3255},[],{},{"nodeType":36,"value":3257,"marks":3258,"data":3260},"Usually none",[3259],{"type":95},{},{"nodeType":32,"data":3262,"content":3263},{},[3264],{"nodeType":36,"value":461,"marks":3265,"data":3266},[],{},{"nodeType":32,"data":3268,"content":3269},{},[3270,3274],{"nodeType":36,"value":3167,"marks":3271,"data":3273},[3272],{"type":95},{},{"nodeType":36,"value":3275,"marks":3276,"data":3277}," In a nutshell, if the interest rate charged on your mortgage is higher than the interest you'd get from saving, it could make sense to overpay your mortgage. Yet, you'll need enough saved for emergencies and there are usually restrictions on overpaying or penalties if you overpay too much. Yet make sure it's money you won't need in the future, as you'll usually not be able to get it back from the mortgage company. ",[],{},{"data":3279,"content":3280,"nodeType":28},{},[3281],{"data":3282,"content":3283,"nodeType":32},{},[3284],{"data":3285,"marks":3286,"value":1653,"nodeType":36},{},[],"And pay less interest","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F7fqeUJDwnI9F8JnVna9v5v\u002Feeb4ac907204b028d97ba0f5e970d7ab\u002FSavingsHub-House-Mortgage.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F1895mKjQGvDkl9ZgDmDmn7\u002F28a6af8234aee8da31baad4f576adad5\u002FSavingsHubIcon-HouseMortgage.png","You've got a mortgage","You don't have a mortgage","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fmortgages\u002Fmortgages-vs-savings\u002F","Full pros and cons, and 'how to', in 'Should I overpay my mortgage?'",[],{"accountTypeKey":3296,"accountTypeTitle":3297,"position":1467,"accountTypeShort":3298,"accountTypeDescriptionSnippet":3299,"accountTypeDescription":3300,"accountTypeSlogan":3298,"accountTypeLogo":3408,"accountTypeNavLogo":3409,"accountTypeStartingScore":354,"accountTypeGoodMatchText":3410,"accountTypeBadMatchText":3411,"guideUrl":3412,"guideUrlCopy":3413,"accountListingControl":3414},"student-loan","Student loans","To overpay or not to overpay?","Have you got money to save from a promotion? Sometimes investing in a savings account isn't the right choice...",{"nodeType":28,"data":3301,"content":3302},{},[3303,3397],{"nodeType":3084,"data":3304,"content":3308,"fields":3309},{"target":3305},{"sys":3306},{"id":3307,"type":194,"linkType":198},"7J8jY1m0874J95f2FOD1bV",[],{"variant":3091,"text":3310},{"nodeType":28,"data":3311,"content":3312},{},[3313,3391],{"nodeType":3096,"data":3314,"content":3315},{},[3316,3351,3373],{"nodeType":3100,"data":3317,"content":3318},{},[3319],{"nodeType":32,"data":3320,"content":3321},{},[3322,3326,3330,3334,3338,3342,3347],{"nodeType":36,"value":3323,"marks":3324,"data":3325},"Interest: Plan 1, Plan 4 or Plan 5 loans: ",[],{},{"nodeType":36,"value":2332,"marks":3327,"data":3329},[3328],{"type":95},{},{"nodeType":36,"value":3331,"marks":3332,"data":3333},";",[],{},{"nodeType":36,"value":156,"marks":3335,"data":3337},[3336],{"type":95},{},{"nodeType":36,"value":3339,"marks":3340,"data":3341},"Plan 2 loans: ",[],{},{"nodeType":36,"value":3343,"marks":3344,"data":3346},"4.3%-7.3%",[3345],{"type":95},{},{"nodeType":36,"value":3348,"marks":3349,"data":3350}," (depending on income)",[],{},{"nodeType":3100,"data":3352,"content":3353},{},[3354],{"nodeType":32,"data":3355,"content":3356},{},[3357,3361,3366,3369],{"nodeType":36,"value":3358,"marks":3359,"data":3360},"Min & max amount you can overpay: ",[],{},{"nodeType":36,"value":3362,"marks":3363,"data":3365},"£1+",[3364],{"type":95},{},{"nodeType":36,"value":3239,"marks":3367,"data":3368},[],{},{"nodeType":36,"value":3243,"marks":3370,"data":3372},[3371],{"type":95},{},{"nodeType":3100,"data":3374,"content":3375},{},[3376],{"nodeType":32,"data":3377,"content":3378},{},[3379,3382,3387],{"nodeType":36,"value":3146,"marks":3380,"data":3381},[],{},{"nodeType":36,"value":3383,"marks":3384,"data":3386},"None",[3385],{"type":95},{},{"nodeType":36,"value":3388,"marks":3389,"data":3390},", once you've overpaid, you can't get that money back",[],{},{"nodeType":32,"data":3392,"content":3393},{},[3394],{"nodeType":36,"value":461,"marks":3395,"data":3396},[],{},{"nodeType":32,"data":3398,"content":3399},{},[3400,3404],{"nodeType":36,"value":3167,"marks":3401,"data":3403},[3402],{"type":95},{},{"nodeType":36,"value":3405,"marks":3406,"data":3407}," Student loans are very different to other forms of debt, and as such you should be very careful voluntarily overpaying them... for some it'd mean paying more back than you would have out of your salary. But if you're a high earner, voluntarily overpaying could save £100s or £1,000s in interest. Do read our guide very carefully before paying anything off.",[],{},"\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002FQH6nhERhpuZue7PFtmO7e\u002Fb7e43e6d244e0bfdbf1ff49d3c8cd766\u002FSavingsHub-Ball-SLC.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F2VXhjeBmQl41XgojhdsM5J\u002F23d2e3329c36e3d51edf95aee7a3e2c1\u002FSavingsHubIcon-SLC.png","You have a student loan","You don't have a student loan","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fstudents\u002Frepay-post-2012-student-loan\u002F","Find out who should, and who shouldn't, pay off their loan early",[],{"accountTypeKey":3416,"accountTypeTitle":3417,"position":380,"accountTypeShort":3418,"accountTypeDescriptionSnippet":3419,"accountTypeDescription":3420,"accountListingControl":3430,"accountTypeSlogan":3529,"accountTypeLogo":3530,"accountTypeNavLogo":3531,"raisinAccountTypeKey":3532,"accountTypeStartingScore":1351,"accountTypeGoodMatchText":3533,"accountTypeBadMatchText":3534,"guideUrl":3535,"guideUrlCopy":3536},"top-notice-accounts","Notice accounts","Get higher rates with delayed access","Similar to easy-access accounts, notice account allow you to make withdrawals but only after giving notice to the account provider and waiting for a set period of time, often between 30 to 180 days.",{"data":3421,"content":3422,"nodeType":28},{},[3423],{"data":3424,"content":3425,"nodeType":32},{},[3426],{"data":3427,"marks":3428,"value":3429,"nodeType":36},{},[],"These accounts require you to give notice before you can withdraw your cash. They're good for people who know they'll need their money, so can't lock it away with no access, but also know they'll be able to wait to access the cash when they do need it.",[3431],{"metadata":3432,"sys":3435,"fields":3447},{"tags":3433,"concepts":3434},[],[],{"space":3436,"id":3438,"type":198,"createdAt":3439,"updatedAt":3440,"environment":3441,"publishedVersion":3443,"revision":3444,"contentType":3445,"locale":211},{"sys":3437},{"type":194,"linkType":195,"id":196},"5q6Y1sdsjvTfY14sLi74Sq","2024-09-25T15:00:11.062Z","2026-09-23T12:02:44.912Z",{"sys":3442},{"id":203,"type":194,"linkType":204},277,81,{"sys":3446},{"type":194,"linkType":209,"id":210},{"accountTermKey":3448,"accountTermCopy":3449,"accountTermCopyDesc":3450,"topAccounts":3451,"noFussLowAdminAccounts":3497,"bestKnownNameAccounts":3528},"top-standard-notice-accounts","Top standard notice accounts","Here are the highest paying traditional savings accounts.",[3452,3475],{"metadata":3453,"sys":3456,"fields":3465},{"tags":3454,"concepts":3455},[],[],{"space":3457,"id":3459,"type":198,"createdAt":3460,"updatedAt":3460,"environment":3461,"publishedVersion":2981,"revision":24,"contentType":3463,"locale":211},{"sys":3458},{"type":194,"linkType":195,"id":196},"taLQzNQhpm7mYpaGmJzuI","2026-09-03T14:37:41.140Z",{"sys":3462},{"id":203,"type":194,"linkType":204},{"sys":3464},{"type":194,"linkType":209,"id":233},{"productKey":3466,"productTitle":3467,"productMinDeposit":1329,"productMaxDeposit":300,"productAer":3468,"productInternalUrl":240,"productExternalUrl":3469,"productAffiliate":242,"productBank":3470,"productInterestPayment":3471,"productOpenMethod":1116,"productPenalty":247,"productLogoUrl":3472,"productSummary":3473,"productDetails":3474},"birmingham-bank-95daynotice","Birmingham Bank 95 Day Notice Account","4.4% for 95 days' notice","https:\u002F\u002Fwww.birminghambank.com\u002Fsavings\u002Fnotice-accounts","Birmingham Bank","Annually, paid into the account","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F5j5kQNiGk9ZtloZPp69GCf\u002Fa81e196591b0140f52863be9a42c9ef6\u002FDPWaterfall__002_.jpg",{},[],{"metadata":3476,"sys":3479,"fields":3489},{"tags":3477,"concepts":3478},[],[],{"space":3480,"id":3482,"type":198,"createdAt":3483,"updatedAt":3484,"environment":3485,"publishedVersion":2560,"revision":744,"contentType":3487,"locale":211},{"sys":3481},{"type":194,"linkType":195,"id":196},"2ni6qJam7wVISy8POsnL5X","2026-05-01T11:25:44.643Z","2026-05-26T10:34:49.397Z",{"sys":3486},{"id":203,"type":194,"linkType":204},{"sys":3488},{"type":194,"linkType":209,"id":233},{"productKey":3490,"productTitle":3491,"productMinDeposit":933,"productMaxDeposit":508,"productAer":3492,"productInternalUrl":240,"productExternalUrl":3493,"productAffiliate":242,"productBank":2659,"productGuideInterstitial":244,"productInterestPayment":3471,"productOpenMethod":939,"productPenalty":247,"productLogoUrl":3494,"productSummary":3495,"productDetails":3496},"castle-trust-120-day-notice","Castle Trust Bank 120 Day Notice Account","4.2% for 120 days' notice","https:\u002F\u002Fwww.castletrust.co.uk\u002Fsavings\u002F120-day-notice-e-saver\u002F","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F1NTDXbcQQ1ipzGMDOwnu8N\u002F1b5179630bd08d4395e9f5f8991b8dda\u002FPiggy_bank_sunglasses_beach.jpg",{},[],[3498],{"metadata":3499,"sys":3502,"fields":3512},{"tags":3500,"concepts":3501},[],[],{"space":3503,"id":3505,"type":198,"createdAt":3506,"updatedAt":3507,"environment":3508,"publishedVersion":663,"revision":1351,"contentType":3510,"locale":211},{"sys":3504},{"type":194,"linkType":195,"id":196},"6QFI2rxX5oHv5CFH7idGHe","2024-10-29T15:43:25.402Z","2026-09-23T12:09:04.927Z",{"sys":3509},{"id":203,"type":194,"linkType":204},{"sys":3511},{"type":194,"linkType":209,"id":233},{"productKey":3513,"productTitle":3514,"productMinDeposit":933,"productMaxDeposit":716,"productAer":2332,"productExternalUrl":718,"productAffiliate":242,"productBank":3515,"productIsTrackedLink":464,"productInterestPayment":3516,"productOpenMethod":939,"productLogoUrl":722,"productVitalInfo":3517,"productIsRaisin":464,"productSummary":3526,"productDetails":3527},"RaisinNoticeAccounts","Raisin Notice Accounts","LVH Bank via Raisin","4.85%",{"data":3518,"content":3519,"nodeType":28},{},[3520],{"data":3521,"content":3522,"nodeType":32},{},[3523],{"data":3524,"marks":3525,"value":87,"nodeType":36},{},[],{},[],[],"Higher rates in exchange for delayed access","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F1jR2hlZj4vNzVnDYbEUNtG\u002F4d63121a2de2ef043d09e25c5c475e79\u002FSavingsHub-Calendar-NoticeAccts.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002Fp9Sz1EHUdT1VFQEJAMYza\u002Fbb9d5b1856497946111506d8a3584fb4\u002FSavingsHubIcon-Notice.png","raisin-notice","You can wait a short period to access your cash","You need instant access to your cash","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fsavings-accounts-best-interest\u002F#notice","See full info on how notice accounts work & all best buys",{"accountTypeKey":3538,"accountTypeTitle":3539,"position":3540,"accountTypeShort":3541,"accountTypeDescriptionSnippet":3542,"accountTypeDescription":3543,"accountListingControl":3553,"accountTypeSlogan":3960,"accountTypeLogo":2558,"accountTypeNavLogo":3961,"accountTypeStartingScore":1007,"accountTypeGoodMatchText":3962,"accountTypeBadMatchText":3963,"guideUrl":3640,"guideUrlCopy":3964},"lifetime-isas","Lifetime ISAs (LISAs)",9,"Save for your first home","A Lifetime ISA (LISA) can be opened by anyone aged between 18 and 39. You can use it to save up to £4,000 a year, towards either a first home costing up to £450,000 or for retirement, and the state adds a bonus of up to £1,000 a year on top.",{"nodeType":28,"data":3544,"content":3545},{},[3546],{"nodeType":32,"data":3547,"content":3548},{},[3549],{"nodeType":36,"value":3550,"marks":3551,"data":3552},"A Lifetime ISA lets you save up to £4,000 every tax year towards a first home or your retirement, with the state adding a 25% bonus (max £1,000\u002Fyear) on top of what you save. Lifetime ISAs are complex products, though so...",[],{},[3554],{"metadata":3555,"sys":3558,"fields":3569},{"tags":3556,"concepts":3557},[],[],{"space":3559,"id":3561,"type":198,"createdAt":3562,"updatedAt":3563,"environment":3564,"publishedVersion":3566,"revision":2104,"contentType":3567,"locale":211},{"sys":3560},{"type":194,"linkType":195,"id":196},"47Hh53p16TPGjr15gKlojw","2024-10-31T16:50:42.182Z","2026-10-07T08:11:24.323Z",{"sys":3565},{"id":203,"type":194,"linkType":204},223,{"sys":3568},{"type":194,"linkType":209,"id":210},{"accountTermKey":3570,"accountTermCopy":214,"accountTermCopyDesc":3571,"topAccounts":3572,"bestKnownNameAccounts":3958,"noFussLowAdminAccounts":3959},"lisa-best-buys","up to 4.75%",[3573,3620,3657,3861,3895,3928],{"metadata":3574,"sys":3577,"fields":3589},{"tags":3575,"concepts":3576},[],[],{"space":3578,"id":3580,"type":198,"createdAt":3581,"updatedAt":3582,"environment":3583,"publishedVersion":3585,"revision":3586,"contentType":3587,"locale":211},{"sys":3579},{"type":194,"linkType":195,"id":196},"3MGwQFEUFPWjE4jYn3sUAl","2024-10-31T16:53:45.895Z","2026-10-07T08:11:10.403Z",{"sys":3584},{"id":203,"type":194,"linkType":204},203,80,{"sys":3588},{"type":194,"linkType":209,"id":233},{"productKey":3590,"productTitle":3591,"productMinDeposit":237,"productMaxDeposit":3592,"productAer":3593,"productInternalUrl":240,"productExternalUrl":3594,"productAffiliate":242,"productBank":1730,"productInterestPayment":3595,"productOpenMethod":3596,"productKeyCaveats":3597,"productLogoUrl":3616,"productFscs":3617,"productSummary":3618,"productDetails":3619},"moneybox-lisa","Moneybox Lifetime ISA","£4k a yr","4.75% (min £1)","https:\u002F\u002Fwww.moneyboxapp.com\u002Fisa\u002Flifetime\u002Fcash\u002F","Monthly (1)","App. Transfers allowed, only if you've not had a Moneybox LISA before.",{"data":3598,"content":3599,"nodeType":28},{},[3600],{"data":3601,"content":3602,"nodeType":32},{},[3603,3607,3613],{"data":3604,"marks":3605,"value":3606,"nodeType":36},{},[],"£120,000, shared with ",{"data":3608,"content":3612,"nodeType":1034},{"target":3609},{"sys":3610},{"id":3611,"type":194,"linkType":198},"3nfIuG0Njdnwg6n1Ihh48h",[],{"data":3614,"marks":3615,"value":461,"nodeType":36},{},[],"\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F4Zauhsp5RGTFSGiql1GBP5\u002F4b4f62b3bc3851c8a46515899682c31f\u002Fpensions_pic.jpg","£120,000 (shared with various banks)",{},[],{"metadata":3621,"sys":3624,"fields":3635},{"tags":3622,"concepts":3623},[],[],{"space":3625,"id":3627,"type":198,"createdAt":3628,"updatedAt":3629,"environment":3630,"publishedVersion":3632,"revision":2798,"contentType":3633,"locale":211},{"sys":3626},{"type":194,"linkType":195,"id":196},"4Zfkr9RWafKOQOODSSGbyL","2025-05-06T10:42:59.951Z","2026-10-06T16:53:35.668Z",{"sys":3631},{"id":203,"type":194,"linkType":204},167,{"sys":3634},{"type":194,"linkType":209,"id":233},{"productKey":3636,"productTitle":3637,"productMinDeposit":3638,"productMaxDeposit":3592,"productAer":3639,"productInternalUrl":3640,"productExternalUrl":3641,"productAffiliate":242,"productBank":3642,"productIsTrackedLink":244,"productGuideInterstitial":244,"productInterestPayment":3595,"productOpenMethod":3643,"productKeyCaveats":3644,"productLogoUrl":3654,"productFscs":3653,"productIsRaisin":244,"productSummary":3655,"productDetails":3656},"plumlifetimeisa","Plum Lifetime ISA","£0.01","4.69% (min £1)","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Flifetime-isas\u002F","https:\u002F\u002Fwithplum.com\u002Flifetime-isa","Plum","App. Transfers allowed from existing LISAs only ",{"data":3645,"content":3646,"nodeType":28},{},[3647],{"data":3648,"content":3649,"nodeType":32},{},[3650],{"data":3651,"marks":3652,"value":3653,"nodeType":36},{},[],"£120,000, shared with Lloyds Bank and Citibank","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F5o20hTvWrUvunJlqfBFyjF\u002F35487986235141fdb2df35e829ed3824\u002Fsurja-sen-das-raj-N4yLz2avXu8-unsplash.jpg",{},[],{"metadata":3658,"sys":3661,"fields":3672},{"tags":3659,"concepts":3660},[],[],{"space":3662,"id":3664,"type":198,"createdAt":3665,"updatedAt":3666,"environment":3667,"publishedVersion":3669,"revision":229,"contentType":3670,"locale":211},{"sys":3663},{"type":194,"linkType":195,"id":196},"2EDdpd0PIw8w0C13S7sll8","2024-10-31T17:01:02.762Z","2026-09-29T16:22:46.361Z",{"sys":3668},{"id":203,"type":194,"linkType":204},125,{"sys":3671},{"type":194,"linkType":209,"id":233},{"productKey":3673,"productTitle":3674,"productMinDeposit":237,"productMaxDeposit":3592,"productAer":3675,"productInternalUrl":240,"productExternalUrl":3676,"productAffiliate":242,"productBank":365,"productIsTrackedLink":464,"productDetails":3677,"productGuideInterstitial":244,"productInterestPayment":720,"productOpenMethod":3841,"productKeyCaveats":3842,"productLogoUrl":3616,"productSummary":3860},"tembo-lisa","Tembo Lifetime ISA (formerly Nude)","4.56% (min £1)","https:\u002F\u002Fwww.tembomoney.com\u002Fsavings\u002Fcash-lifetime-isa",[3678,3714,3770,3805],{"metadata":3679,"sys":3682,"fields":3692},{"tags":3680,"concepts":3681},[],[],{"space":3683,"id":3685,"type":198,"createdAt":3686,"updatedAt":3687,"environment":3688,"publishedVersion":2981,"revision":744,"contentType":3690,"locale":211},{"sys":3684},{"type":194,"linkType":195,"id":196},"4jPfsmVIEP9KdbdGaH32Hu","2024-12-02T16:20:40.296Z","2025-08-06T08:14:07.612Z",{"sys":3689},{"id":203,"type":194,"linkType":204},{"sys":3691},{"type":194,"linkType":209,"id":383},{"productDetailTitle":3693,"productDetailCopy":3694},"A few things to know about Tembo...",{"nodeType":28,"data":3695,"content":3696},{},[3697],{"nodeType":32,"data":3698,"content":3699},{},[3700,3704,3710],{"nodeType":36,"value":3701,"marks":3702,"data":3703},"Mortgage broker ",[],{},{"nodeType":48,"data":3705,"content":3706},{"uri":3676},[3707],{"nodeType":36,"value":365,"marks":3708,"data":3709},[],{},{"nodeType":36,"value":3711,"marks":3712,"data":3713}," recently acquired the lifetime ISA provider Nude, which we occasionally included in this guide. The Tembo Cash Lifetime ISA offers a 4.33% interest rate with no monthly fee. There are a few things to know about Tembo though, and some useful info if you've an existing Nude Cash Lifetime ISA...",[],{},{"metadata":3715,"sys":3718,"fields":3727},{"tags":3716,"concepts":3717},[],[],{"space":3719,"id":3721,"type":198,"createdAt":3722,"updatedAt":3722,"environment":3723,"publishedVersion":1271,"revision":24,"contentType":3725,"locale":211},{"sys":3720},{"type":194,"linkType":195,"id":196},"4Pjr9sbsqSnMpysqcQkI3j","2024-12-02T16:21:28.024Z",{"sys":3724},{"id":203,"type":194,"linkType":204},{"sys":3726},{"type":194,"linkType":209,"id":383},{"productDetailTitle":3728,"productDetailCopy":3729},"Deposits are protected in ringfenced accounts with other financial institutions",{"data":3730,"content":3731,"nodeType":28},{},[3732],{"data":3733,"content":3734,"nodeType":32},{},[3735,3739,3746,3750,3755,3759,3767],{"data":3736,"marks":3737,"value":3738,"nodeType":36},{},[],"Tembo isn't a bank, but has partnered with Barclays and Virgin Money to offer its Cash Lifetime ISA, meaning you get the usual ",{"data":3740,"content":3741,"nodeType":48},{"uri":454},[3742],{"data":3743,"marks":3744,"value":3745,"nodeType":36},{},[],"£85,000 UK savings safety protection",{"data":3747,"marks":3748,"value":3749,"nodeType":36},{},[]," with these partner banks. So if Tembo, Barclays or Virgin Money went bust, you'd get your money back (though it may take longer than if you had a direct relationship with the bank).\n\n",{"data":3751,"marks":3752,"value":3754,"nodeType":36},{},[3753],{"type":95},"Note: ",{"data":3756,"marks":3757,"value":3758,"nodeType":36},{},[],"If you have existing accounts with Barclays and\u002For Virgin Money, be aware that you only get £85,000 protection per financial institution – not per account. Virgin Money is also linked to Yorkshire Building Society and Clydesdale Bank, so you only get £85,000 total for accounts held across any of these institutions.\n\nYou can read more about ",{"data":3760,"content":3762,"nodeType":48},{"uri":3761},"http:\u002F\u002Fwww.getnude.com\u002Fdocs\u002Ffinancial-services-compensation-scheme-fscs\u002F",[3763],{"data":3764,"marks":3765,"value":3766,"nodeType":36},{},[],"how your money's protected on Tembo's site",{"data":3768,"marks":3769,"value":87,"nodeType":36},{},[],{"metadata":3771,"sys":3774,"fields":3784},{"tags":3772,"concepts":3773},[],[],{"space":3775,"id":3777,"type":198,"createdAt":3778,"updatedAt":3779,"environment":3780,"publishedVersion":1467,"revision":744,"contentType":3782,"locale":211},{"sys":3776},{"type":194,"linkType":195,"id":196},"3bFMa7jM18JKejCmtSp9h0","2024-12-02T16:22:04.682Z","2024-12-02T16:22:13.918Z",{"sys":3781},{"id":203,"type":194,"linkType":204},{"sys":3783},{"type":194,"linkType":209,"id":383},{"productDetailTitle":3785,"productDetailCopy":3786},"If you're an existing Nude Cash Lifetime ISA customer, your account won't be affected, other than you getting the new rate of 4.3%.",{"data":3787,"content":3788,"nodeType":28},{},[3789],{"data":3790,"content":3791,"nodeType":32},{},[3792,3796,3801],{"data":3793,"marks":3794,"value":3795,"nodeType":36},{},[],"You'll still pay the £2\u002Fmth fee in exchange for the yet-to-be-released 'Tembo Plus' – this will give a higher interest rate of 4.5%, plus other features such as mortgage advice (the Plus offering is planned to launch 'in a few weeks' time').\n\nIf you'd prefer to stop paying the £2\u002Fmth fee, you ",{"data":3797,"marks":3798,"value":3800,"nodeType":36},{},[3799],{"type":143},"must ",{"data":3802,"marks":3803,"value":3804,"nodeType":36},{},[],"contact Tembo's customer support team.",{"metadata":3806,"sys":3809,"fields":3818},{"tags":3807,"concepts":3808},[],[],{"space":3810,"id":3812,"type":198,"createdAt":3813,"updatedAt":3813,"environment":3814,"publishedVersion":578,"revision":24,"contentType":3816,"locale":211},{"sys":3811},{"type":194,"linkType":195,"id":196},"3mqo2RpB4dVdFBCgDZbH8e","2024-12-02T16:23:41.334Z",{"sys":3815},{"id":203,"type":194,"linkType":204},{"sys":3817},{"type":194,"linkType":209,"id":383},{"productDetailTitle":3819,"productDetailCopy":3820},"We criticised Tembo in May 2022",{"data":3821,"content":3822,"nodeType":28},{},[3823],{"data":3824,"content":3825,"nodeType":32},{},[3826,3829,3837],{"data":3827,"marks":3828,"value":461,"nodeType":36},{},[],{"data":3830,"content":3832,"nodeType":48},{"uri":3831},"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fnews\u002F2022\u002F05\u002Ftembo-mortgage-student-loan-mse\u002F",[3833],{"data":3834,"marks":3835,"value":3819,"nodeType":36},{},[3836],{"type":95},{"data":3838,"marks":3839,"value":3840,"nodeType":36},{},[]," for using misleading online adverts encouraging people to remortgage to pay off their student loans, advice which could have left many worse off. Following pressure from MSE, the ads and some content on their website were pulled.","App. Transfers allowed from existing LISAs only.",{"data":3843,"content":3844,"nodeType":28},{},[3845],{"data":3846,"content":3847,"nodeType":32},{},[3848,3851,3857],{"data":3849,"marks":3850,"value":3606,"nodeType":36},{},[],{"data":3852,"content":3856,"nodeType":1034},{"target":3853},{"sys":3854},{"id":3855,"type":194,"linkType":198},"3OPtRuoWJ9ZpMOkMehjHFU",[],{"data":3858,"marks":3859,"value":461,"nodeType":36},{},[],{},{"metadata":3862,"sys":3865,"fields":3875},{"tags":3863,"concepts":3864},[],[],{"space":3866,"id":3868,"type":198,"createdAt":3869,"updatedAt":3870,"environment":3871,"publishedVersion":2560,"revision":1631,"contentType":3873,"locale":211},{"sys":3867},{"type":194,"linkType":195,"id":196},"5ppwkWdpVnXShZYpj8uIEs","2026-01-28T15:08:10.748Z","2026-06-25T07:46:36.272Z",{"sys":3872},{"id":203,"type":194,"linkType":204},{"sys":3874},{"type":194,"linkType":209,"id":233},{"productKey":3876,"productTitle":3877,"productMinDeposit":237,"productMaxDeposit":3592,"productAer":3878,"productInternalUrl":3640,"productExternalUrl":3879,"productAffiliate":242,"productBank":3880,"productGuideInterstitial":244,"productInterestPayment":3881,"productOpenMethod":3882,"productPenalty":247,"productKeyCaveats":3883,"productLogoUrl":3892,"productFscs":716,"productSummary":3893,"productDetails":3894},"paragon-lisa","Paragon Bank Lifetime ISA","3.51% (min £1)","https:\u002F\u002Fwww.paragonbank.co.uk\u002Fsavings\u002Fcash-isas\u002Flifetime-isa","Paragon Bank","Annually","Online. Transfers allowed from existing LISAs only.",{"data":3884,"content":3885,"nodeType":28},{},[3886],{"data":3887,"content":3888,"nodeType":32},{},[3889],{"data":3890,"marks":3891,"value":716,"nodeType":36},{},[],"\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F79Jt01ClII0Cs14s4BsDha\u002F2c6f5eca6949225bc5faeb4a9c194a7b\u002FScreenshot_2026-01-28_at_12.00.37.png",{},[],{"metadata":3896,"sys":3899,"fields":3909},{"tags":3897,"concepts":3898},[],[],{"space":3900,"id":3902,"type":198,"createdAt":3903,"updatedAt":3904,"environment":3905,"publishedVersion":229,"revision":1513,"contentType":3907,"locale":211},{"sys":3901},{"type":194,"linkType":195,"id":196},"ufNfebFlYF2KQJrzphdvO","2025-03-14T12:16:12.248Z","2026-06-25T07:46:36.300Z",{"sys":3906},{"id":203,"type":194,"linkType":204},{"sys":3908},{"type":194,"linkType":209,"id":233},{"productKey":3910,"productTitle":3910,"productMinDeposit":237,"productMaxDeposit":3592,"productAer":3911,"productInternalUrl":240,"productExternalUrl":3912,"productAffiliate":242,"productBank":3913,"productInterestPayment":3881,"productOpenMethod":3914,"productPenalty":247,"productKeyCaveats":3915,"productLogoUrl":3925,"productFscs":716,"productSummary":3926,"productDetails":3927},"Bath BS Lifetime ISA","2.6% (min £1)","https:\u002F\u002Fwww.bathbuildingsociety.co.uk\u002Fproduct\u002Flifetime-isa\u002F","Bath Building Society","Online \u002F branch. No transfers in.",{"data":3916,"content":3917,"nodeType":28},{},[3918],{"data":3919,"content":3920,"nodeType":32},{},[3921],{"data":3922,"marks":3923,"value":3924,"nodeType":36},{},[],"£120,000 ","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F1eCuLkEhYSm0k5DkfIWLXE\u002F86a0ddab06626d50c705d59530a43282\u002Fredundancy6__1_.webp",{},[],{"metadata":3929,"sys":3932,"fields":3942},{"tags":3930,"concepts":3931},[],[],{"space":3933,"id":3935,"type":198,"createdAt":3936,"updatedAt":3937,"environment":3938,"publishedVersion":927,"revision":2981,"contentType":3940,"locale":211},{"sys":3934},{"type":194,"linkType":195,"id":196},"3nxdPgl1OY2uwtpJHdUcdx","2025-03-14T12:18:15.695Z","2026-06-25T07:46:36.333Z",{"sys":3939},{"id":203,"type":194,"linkType":204},{"sys":3941},{"type":194,"linkType":209,"id":233},{"productKey":3943,"productTitle":3943,"productMinDeposit":237,"productMaxDeposit":3592,"productAer":3944,"productInternalUrl":240,"productExternalUrl":3945,"productAffiliate":242,"productBank":2942,"productInterestPayment":3881,"productOpenMethod":3946,"productPenalty":247,"productKeyCaveats":3947,"productLogoUrl":3925,"productFscs":716,"productSummary":3956,"productDetails":3957},"Skipton BS Lifetime ISA","2.05% (min £1)","https:\u002F\u002Fwww.skipton.co.uk\u002Fsavings\u002Fisas\u002Flifetime-isa\u002Fcash-lifetime-isa","Online. Transfers allowed.",{"data":3948,"content":3949,"nodeType":28},{},[3950],{"data":3951,"content":3952,"nodeType":32},{},[3953],{"data":3954,"marks":3955,"value":716,"nodeType":36},{},[],{},[],[],[],"25% boost for first-time buyers","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002Fgthot7k74zYm0dLpT7wa7\u002Fd89d1d958e5cf21e6f476b8d2d04b8a6\u002FSavingsHubIcon-LISA.png","You're a first-time buyer aged 18 to 39","You're not a first-time buyer or not aged 18 to 39","Read up on Lifetime ISAs to decide if they're right for you",{"accountTypeKey":3966,"accountTypeTitle":3967,"position":230,"accountTypeShort":3968,"accountTypeDescriptionSnippet":3969,"accountTypeDescription":3970,"accountListingControl":4106,"accountTypeSlogan":3968,"accountTypeLogo":4148,"accountTypeNavLogo":4149,"accountTypeStartingScore":1467,"accountTypeGoodMatchText":4150,"accountTypeBadMatchText":4151,"guideUrl":718,"guideUrlCopy":4152},"savings-platform-raisin","Low-hassle savings","Multiple accounts with minimum fuss","If you regularly move your money around - or you'd like to, but don't like the hassle of bank transfers - a 'savings platform' could be the answer. You move your money to its platform once, then can move cash between banks on its panel with minimal fuss. Savings platform Raisin's accounts are below (and we've got it to lower its minimum deposit from £1,000 to £100 for new users coming via MoneySavingExpert on many easy access accounts).\n[Back to Savings Hub](https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings-hub\u002F)",{"nodeType":28,"data":3971,"content":3972},{},[3973,4049,4063,4070,4088],{"nodeType":3084,"data":3974,"content":3978,"fields":3979},{"target":3975},{"sys":3976},{"id":3977,"type":194,"linkType":198},"6HwllyNn98PB7Sx3OeAub7",[],{"variant":3091,"text":3980},{"nodeType":28,"data":3981,"content":3982},{},[3983,4043],{"nodeType":3096,"data":3984,"content":3985},{},[3986,4001,4016],{"nodeType":3100,"data":3987,"content":3988},{},[3989],{"nodeType":32,"data":3990,"content":3991},{},[3992,3996],{"nodeType":36,"value":3993,"marks":3994,"data":3995},"Current interest: up to ",[],{},{"nodeType":36,"value":3997,"marks":3998,"data":4000},"4.67%",[3999],{"type":95},{},{"nodeType":3100,"data":4002,"content":4003},{},[4004],{"nodeType":32,"data":4005,"content":4006},{},[4007,4011],{"nodeType":36,"value":4008,"marks":4009,"data":4010},"Min & max amount",[],{},{"nodeType":36,"value":4012,"marks":4013,"data":4015},": £100 to £120,000",[4014],{"type":95},{},{"nodeType":3100,"data":4017,"content":4018},{},[4019],{"nodeType":32,"data":4020,"content":4021},{},[4022,4025,4030,4034,4039],{"nodeType":36,"value":3146,"marks":4023,"data":4024},[],{},{"nodeType":36,"value":4026,"marks":4027,"data":4029},"Easy access ",[4028],{"type":95},{},{"nodeType":36,"value":4031,"marks":4032,"data":4033},"or",[],{},{"nodeType":36,"value":4035,"marks":4036,"data":4038}," fixed term",[4037],{"type":95},{},{"nodeType":36,"value":4040,"marks":4041,"data":4042},", it depends which you choose",[],{},{"nodeType":32,"data":4044,"content":4045},{},[4046],{"nodeType":36,"value":461,"marks":4047,"data":4048},[],{},{"nodeType":32,"data":4050,"content":4051},{},[4052,4055,4059],{"nodeType":36,"value":2038,"marks":4053,"data":4054},[],{},{"nodeType":36,"value":3167,"marks":4056,"data":4058},[4057],{"type":95},{},{"nodeType":36,"value":4060,"marks":4061,"data":4062}," If you’ve a few savings accounts, it can be a pain in the bum when a rate drops, as you need to go through all the paperwork of opening a new best-buy and the stress of transferring your cash.",[],{},{"nodeType":32,"data":4064,"content":4065},{},[4066],{"nodeType":36,"value":4067,"marks":4068,"data":4069},"Savings platforms are built to help with this; you join them, then can open accounts at multiple banks with just a click, and easily move money from one provider to another within the platform. The rates are usually only a fraction short of the very best buys (if they do have best-buys, we include them in the relevant section of the Hub, within \"Top rates\"). ",[],{},{"nodeType":32,"data":4071,"content":4072},{},[4073,4077,4084],{"nodeType":36,"value":4074,"marks":4075,"data":4076},"And as the money sits with the bank, not the platform, you still get the normal ",[],{},{"nodeType":48,"data":4078,"content":4079},{"uri":454},[4080],{"nodeType":36,"value":4081,"marks":4082,"data":4083},"£120,000 savings safety protection",[],{},{"nodeType":36,"value":4085,"marks":4086,"data":4087}," too.",[],{},{"nodeType":32,"data":4089,"content":4090},{},[4091,4095,4103],{"nodeType":36,"value":4092,"marks":4093,"data":4094},"Raisin is one of the biggest platforms, and we’ve negotiated that via MSE you can open easy-access accounts with just £100 (not its usual £1,000+) to make it more accessible. We’re also looking to arrange exclusive deals in the future. But there are ",[],{},{"nodeType":48,"data":4096,"content":4098},{"uri":4097},"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fsavings-accounts-best-interest\u002F#savingsplatform",[4099],{"nodeType":36,"value":4100,"marks":4101,"data":4102},"other platforms",[],{},{"nodeType":36,"value":620,"marks":4104,"data":4105},[],{},[4107],{"metadata":4108,"sys":4111,"fields":4120},{"tags":4109,"concepts":4110},[],[],{"space":4112,"id":4114,"type":198,"createdAt":4115,"updatedAt":4115,"environment":4116,"publishedVersion":1467,"revision":24,"contentType":4118,"locale":211},{"sys":4113},{"type":194,"linkType":195,"id":196},"4RCZuREhYSjncZ66i7jHUU","2024-12-16T14:35:52.688Z",{"sys":4117},{"id":203,"type":194,"linkType":204},{"sys":4119},{"type":194,"linkType":209,"id":210},{"accountTermKey":4121,"accountTermCopy":214,"accountTermCopyDesc":214,"noFussLowAdminAccounts":4122,"topAccounts":4146,"bestKnownNameAccounts":4147},"RaisinBestBuy",[4123],{"metadata":4124,"sys":4127,"fields":4134},{"tags":4125,"concepts":4126},[],[],{"space":4128,"id":703,"type":198,"createdAt":704,"updatedAt":705,"environment":4130,"publishedVersion":708,"revision":709,"contentType":4132,"locale":211},{"sys":4129},{"type":194,"linkType":195,"id":196},{"sys":4131},{"id":203,"type":194,"linkType":204},{"sys":4133},{"type":194,"linkType":209,"id":233},{"productKey":713,"productTitle":714,"productMinDeposit":715,"productMaxDeposit":716,"productAer":717,"productExternalUrl":718,"productAffiliate":364,"productBank":719,"productIsTrackedLink":464,"productGuideInterstitial":244,"productInterestPayment":720,"productOpenMethod":721,"productLogoUrl":722,"productVitalInfo":4135,"productIsRaisin":464,"productSummary":4144,"productDetails":4145},{"data":4136,"content":4137,"nodeType":28},{},[4138],{"data":4139,"content":4140,"nodeType":32},{},[4141],{"data":4142,"marks":4143,"value":87,"nodeType":36},{},[],{},[],[],[],"\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F1TRjl8XliwDfPYlu8rd69u\u002Ff3b7175358c9ad526b528cbd64af7796\u002FType_mse_raisin__Size_Large.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F2Ygz5wKdXjEKXonMiZZJIQ\u002Feb90671e25cd3e17dca53e5056af9528\u002FNew_Raisin_48px.png","You regularly move savings around (or want to)","You DON'T regularly move savings around","See today's best buys on the Raisin savings platform",{"accountTypeKey":4154,"accountTypeTitle":4155,"position":230,"accountTypeShort":4156,"accountTypeDescriptionSnippet":4157,"accountTypeDescription":4158,"accountTypeSlogan":4251,"accountTypeLogo":4252,"accountTypeNavLogo":4253,"accountTypeStartingScore":294,"accountTypeGoodMatchText":4254,"accountTypeBadMatchText":4255,"guideUrl":4256,"guideUrlCopy":4257,"accountListingControl":4258},"pay-off-debts","Repay debts or save?","Where are rates highest?","Those with loans or credit cards AND savings are seriously overspending but the solution could be simple. Many should just pay the debts off, before you save. With credit card you might even want to forget the old 'must have an emergency savings fund' logic as getting rid of debt may beat that too.",{"nodeType":28,"data":4159,"content":4160},{},[4161,4233,4244],{"nodeType":3084,"data":4162,"content":4166,"fields":4167},{"target":4163},{"sys":4164},{"id":4165,"type":194,"linkType":198},"3bNQsmPmYzQ0YyFp5QExHH",[],{"variant":3091,"text":4168},{"nodeType":28,"data":4169,"content":4170},{},[4171,4227],{"nodeType":3096,"data":4172,"content":4173},{},[4174,4189,4210],{"nodeType":3100,"data":4175,"content":4176},{},[4177],{"nodeType":32,"data":4178,"content":4179},{},[4180,4184],{"nodeType":36,"value":4181,"marks":4182,"data":4183},"Interest: You could avoid interest rates of up to ",[],{},{"nodeType":36,"value":4185,"marks":4186,"data":4188},"40%+",[4187],{"type":95},{},{"nodeType":3100,"data":4190,"content":4191},{},[4192],{"nodeType":32,"data":4193,"content":4194},{},[4195,4199,4203,4206],{"nodeType":36,"value":4196,"marks":4197,"data":4198},"Min & max amount: ",[],{},{"nodeType":36,"value":3362,"marks":4200,"data":4202},[4201],{"type":95},{},{"nodeType":36,"value":3239,"marks":4204,"data":4205},[],{},{"nodeType":36,"value":3243,"marks":4207,"data":4209},[4208],{"type":95},{},{"nodeType":3100,"data":4211,"content":4212},{},[4213],{"nodeType":32,"data":4214,"content":4215},{},[4216,4219,4223],{"nodeType":36,"value":3146,"marks":4217,"data":4218},[],{},{"nodeType":36,"value":23,"marks":4220,"data":4222},[4221],{"type":95},{},{"nodeType":36,"value":4224,"marks":4225,"data":4226},", as you'll still be able to access an emergency fund",[],{},{"nodeType":32,"data":4228,"content":4229},{},[4230],{"nodeType":36,"value":461,"marks":4231,"data":4232},[],{},{"nodeType":32,"data":4234,"content":4235},{},[4236,4240],{"nodeType":36,"value":3167,"marks":4237,"data":4239},[4238],{"type":95},{},{"nodeType":36,"value":4241,"marks":4242,"data":4243}," £1,000 debt on a credit card at 25% costs £250 in interest over a year. The same amount on an overdraft could cost you £400 in interest over a year.",[],{},{"nodeType":32,"data":4245,"content":4246},{},[4247],{"nodeType":36,"value":4248,"marks":4249,"data":4250},"Yet £1,000 in a savings account at 5% earns just £50. So pay off the debt with the savings and you're at least £200 a year better off. In financial terms, it's a no brainer, but it can feel quite a scary concept. ",[],{},"Get debt-free before you save","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F4VtYRTM7qmq0tpgFgAzFEN\u002F5fa19e893bf46f1e460a7aa27fc269ec\u002FSavingsHub-Money-Debts.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F693q6jRpsd3AavOQKihhrS\u002Fd6f449cc8c8fc3fc0ec24b4def318000\u002FSavingsHubIcon-MoneyDebts.png","You're paying interest on card\u002Floan debt","You're not paying interest on card\u002Floan debt","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fpay-off-debts\u002F","See if using savings to pay debt is right for you",[],{"accountTypeKey":4260,"accountTypeTitle":4261,"position":1351,"accountTypeShort":4262,"accountTypeDescriptionSnippet":4263,"accountTypeDescription":4264,"accountTypeSlogan":4373,"accountTypeLogo":4374,"accountTypeNavLogo":4375,"accountTypeStartingScore":1007,"accountTypeGoodMatchText":4376,"accountTypeBadMatchText":4377,"guideUrl":4378,"guideUrlCopy":4379,"accountListingControl":4380},"savings-hub-premium-bonds","Premium Bonds","Savings account where interest depends on a monthly prize draw","Line up everyone with £1,000 worth of Premium Bonds in order of their year's winnings, and the person halfway along would have won... not a penny! In fact, you'd need to walk past 60% of the line until you hit the first £25 winner.",{"nodeType":28,"data":4265,"content":4266},{},[4267,4336,4347,4366],{"nodeType":3084,"data":4268,"content":4272,"fields":4273},{"target":4269},{"sys":4270},{"id":4271,"type":194,"linkType":198},"3y7EMerGsGUMm1sBakgPUw",[],{"variant":3091,"text":4274},{"nodeType":28,"data":4275,"content":4276},{},[4277,4330],{"nodeType":3096,"data":4278,"content":4279},{},[4280,4295,4313],{"nodeType":3100,"data":4281,"content":4282},{},[4283],{"nodeType":32,"data":4284,"content":4285},{},[4286,4290],{"nodeType":36,"value":4287,"marks":4288,"data":4289},"Current prize fund rate: ",[],{},{"nodeType":36,"value":4291,"marks":4292,"data":4294},"4.35% tax-free",[4293],{"type":95},{},{"nodeType":3100,"data":4296,"content":4297},{},[4298],{"nodeType":32,"data":4299,"content":4300},{},[4301,4304,4309],{"nodeType":36,"value":4008,"marks":4302,"data":4303},[],{},{"nodeType":36,"value":4305,"marks":4306,"data":4308},": £1 to £50,000",[4307],{"type":95},{},{"nodeType":36,"value":4310,"marks":4311,"data":4312}," saved per person",[],{},{"nodeType":3100,"data":4314,"content":4315},{},[4316],{"nodeType":32,"data":4317,"content":4318},{},[4319,4322,4326],{"nodeType":36,"value":3146,"marks":4320,"data":4321},[],{},{"nodeType":36,"value":23,"marks":4323,"data":4325},[4324],{"type":95},{},{"nodeType":36,"value":4327,"marks":4328,"data":4329},", money can be withdrawn at anytime",[],{},{"nodeType":32,"data":4331,"content":4332},{},[4333],{"nodeType":36,"value":461,"marks":4334,"data":4335},[],{},{"nodeType":32,"data":4337,"content":4338},{},[4339,4343],{"nodeType":36,"value":3167,"marks":4340,"data":4342},[4341],{"type":95},{},{"nodeType":36,"value":4344,"marks":4345,"data":4346}," While the Prize Fund Rate is 4.35%, someone with typical luck will always win less! This is because for everyone who earns big prizes, the rest have to win less (or nothing) to fund those prizes.",[],{},{"nodeType":32,"data":4348,"content":4349},{},[4350,4354,4362],{"nodeType":36,"value":4351,"marks":4352,"data":4353},"Plus, the less you have in, the further away from the Prize Fund Rate you are likely to be (see your potential winnings with the ",[],{},{"nodeType":48,"data":4355,"content":4357},{"uri":4356},"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fpremium-bonds-calculator\u002F",[4358],{"nodeType":36,"value":4359,"marks":4360,"data":4361},"Premium Bond Returns Predictor",[],{},{"nodeType":36,"value":4363,"marks":4364,"data":4365},"). ",[],{},{"nodeType":32,"data":4367,"content":4368},{},[4369],{"nodeType":36,"value":4370,"marks":4371,"data":4372},"So most people should prioritise higher rate savings and cash ISAs first. Where Premium Bonds come into their own are for those with larger amounts of savings, who’ve used up their ISA allowances and who’s interest would be taxed otherwise. ",[],{},"Savings where 'interest' depends on a monthly prize draw","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002FjVbAj3UEmKmHabaXMDhZ4\u002Fc5d5b16b56b1650d76f6ac80ee4c5d31\u002FSavingsHub-Ball-NSI.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F1mdFDUrBLTPeRezEQjCdtY\u002Fd9f45da27f8d3f66994c43b49cb588fc\u002FSavingsHubIcon-NSI.png","You pay tax on savings interest","You don't pay tax on savings interest","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fpremium-bonds\u002F","For a full assessment, see the 'Are Premium Bonds worth it?' guide\n",[],{"accountTypeKey":4382,"accountTypeTitle":4383,"position":1007,"accountTypeShort":4384,"accountTypeDescriptionSnippet":4385,"accountTypeDescription":4386,"accountTypeSlogan":4492,"accountTypeLogo":4493,"accountTypeNavLogo":4494,"accountTypeStartingScore":1007,"accountTypeGoodMatchText":4495,"accountTypeBadMatchText":4496,"guideUrl":4497,"guideUrlCopy":4498,"accountListingControl":4499},"help-to-save","Help to Save","Big 50% boost for low-income savers","The Help to Save scheme gives low-income earners claiming universal credit or working tax credit a savings boost. It pays a 50% bonus on the amount saved, up to a maximum of £1,200 over four years.",{"nodeType":28,"data":4387,"content":4388},{},[4389,4481],{"nodeType":3084,"data":4390,"content":4394,"fields":4395},{"target":4391},{"sys":4392},{"id":4393,"type":194,"linkType":198},"1qMojomqcaMDACguL7n9Pr",[],{"variant":3091,"text":4396},{"nodeType":28,"data":4397,"content":4398},{},[4399,4475],{"nodeType":3096,"data":4400,"content":4401},{},[4402,4417,4434,4452],{"nodeType":3100,"data":4403,"content":4404},{},[4405],{"nodeType":32,"data":4406,"content":4407},{},[4408,4412],{"nodeType":36,"value":4409,"marks":4410,"data":4411},"Government bonus rate: ",[],{},{"nodeType":36,"value":4413,"marks":4414,"data":4416},"50%",[4415],{"type":95},{},{"nodeType":3100,"data":4418,"content":4419},{},[4420],{"nodeType":32,"data":4421,"content":4422},{},[4423,4426,4431],{"nodeType":36,"value":4008,"marks":4424,"data":4425},[],{},{"nodeType":36,"value":4427,"marks":4428,"data":4430},": £1 to £2,400",[4429],{"type":95},{},{"nodeType":36,"value":4310,"marks":4432,"data":4433},[],{},{"nodeType":3100,"data":4435,"content":4436},{},[4437],{"nodeType":32,"data":4438,"content":4439},{},[4440,4443,4448],{"nodeType":36,"value":3146,"marks":4441,"data":4442},[],{},{"nodeType":36,"value":4444,"marks":4445,"data":4447},"Easy access, ",[4446],{"type":95},{},{"nodeType":36,"value":4449,"marks":4450,"data":4451},"money can be withdrawn at anytime",[],{},{"nodeType":3100,"data":4453,"content":4454},{},[4455],{"nodeType":32,"data":4456,"content":4457},{},[4458,4462,4467,4470],{"nodeType":36,"value":4459,"marks":4460,"data":4461},"Who can open it?: People on ",[],{},{"nodeType":36,"value":4463,"marks":4464,"data":4466},"Universal Credit ",[4465],{"type":95},{},{"nodeType":36,"value":4031,"marks":4468,"data":4469},[],{},{"nodeType":36,"value":4471,"marks":4472,"data":4474}," Tax Credits",[4473],{"type":95},{},{"nodeType":32,"data":4476,"content":4477},{},[4478],{"nodeType":36,"value":461,"marks":4479,"data":4480},[],{},{"nodeType":32,"data":4482,"content":4483},{},[4484,4488],{"nodeType":36,"value":3167,"marks":4485,"data":4487},[4486],{"type":95},{},{"nodeType":36,"value":4489,"marks":4490,"data":4491}," Help to Save is a government-backed account specially designed for low-paid workers on Universal or Tax Credits. You save between £1 and £50 a month, and after two years, you're paid a 50% bonus (up to £1,200). There's another bonus after four years if you keep saving. The 50% bonus is unbeatable in any standard savings account, so if you're eligible to open a Help to Save, and you've spare cash each month, it's a no-brainer. ",[],{},"Big 50% savings boost for low earners","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F65hVtNmbIUgWcUaIjHq9tE\u002Ff50f6d53f3766dfdb4fa7dd7f5044138\u002FSavingsHub-Ball-HelpToSave.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F5MUIFp2RkymDsDMNsar3jT\u002F7db20d4577a5985d87f87c3e141e0776\u002FSavingsHubIcon-HelpToSave.png","You get Universal or Tax Credits","You don't get Universal or Tax Credits","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fhelp-to-save\u002F","See if Help to Save is right for you",[],{"accountTypeKey":4501,"accountTypeTitle":1017,"position":2981,"accountTypeShort":4502,"accountTypeDescriptionSnippet":4503,"accountTypeDescription":4504,"accountTypeSlogan":4608,"accountTypeLogo":4609,"accountTypeNavLogo":4610,"accountTypeStartingScore":1271,"accountTypeGoodMatchText":4611,"accountTypeBadMatchText":4612,"guideUrl":4613,"guideUrlCopy":4614,"accountListingControl":4615},"ns-and-i","Protection above the normal £120,000 savings limit","National Savings & Investments, or NS&I for short, is backed by HM Treasury. It offers savings products like fixed-term bonds and Premium Bonds. ",{"nodeType":28,"data":4505,"content":4506},{},[4507,4597],{"nodeType":3084,"data":4508,"content":4512,"fields":4513},{"target":4509},{"sys":4510},{"id":4511,"type":194,"linkType":198},"6wJrNtktJQfKuLu9jzZQUs",[],{"variant":3091,"text":4514},{"nodeType":28,"data":4515,"content":4516},{},[4517,4591],{"nodeType":3096,"data":4518,"content":4519},{},[4520,4548,4569],{"nodeType":3100,"data":4521,"content":4522},{},[4523],{"nodeType":32,"data":4524,"content":4525},{},[4526,4530,4535,4539,4544],{"nodeType":36,"value":4527,"marks":4528,"data":4529},"Interest: ",[],{},{"nodeType":36,"value":4531,"marks":4532,"data":4534},"3.75%-3.8%",[4533],{"type":95},{},{"nodeType":36,"value":4536,"marks":4537,"data":4538}," easy access, ",[],{},{"nodeType":36,"value":4540,"marks":4541,"data":4543},"4.99%-5.17%",[4542],{"type":95},{},{"nodeType":36,"value":4545,"marks":4546,"data":4547}," fixed",[],{},{"nodeType":3100,"data":4549,"content":4550},{},[4551],{"nodeType":32,"data":4552,"content":4553},{},[4554,4557,4561,4564],{"nodeType":36,"value":3122,"marks":4555,"data":4556},[],{},{"nodeType":36,"value":237,"marks":4558,"data":4560},[4559],{"type":95},{},{"nodeType":36,"value":3131,"marks":4562,"data":4563},[],{},{"nodeType":36,"value":4565,"marks":4566,"data":4568},"£2m+",[4567],{"type":95},{},{"nodeType":3100,"data":4570,"content":4571},{},[4572],{"nodeType":32,"data":4573,"content":4574},{},[4575,4578,4582,4586],{"nodeType":36,"value":3146,"marks":4576,"data":4577},[],{},{"nodeType":36,"value":23,"marks":4579,"data":4581},[4580],{"type":95},{},{"nodeType":36,"value":4583,"marks":4584,"data":4585}," or ",[],{},{"nodeType":36,"value":4587,"marks":4588,"data":4590},"fixed term",[4589],{"type":95},{},{"nodeType":32,"data":4592,"content":4593},{},[4594],{"nodeType":36,"value":461,"marks":4595,"data":4596},[],{},{"nodeType":32,"data":4598,"content":4599},{},[4600,4604],{"nodeType":36,"value":3167,"marks":4601,"data":4603},[4602],{"type":95},{},{"nodeType":36,"value":4605,"marks":4606,"data":4607}," NS&I is government-owned, so unlike normal accounts where your savings are protected up to £120,000 per institution, here every penny saved is backed by the state, so it's as safe as it gets. These accounts can be ideal if you've lots to save and don't want the faff of multiple accounts (most NS&I accounts have limits of £1 million+). Though NS&I rarely pays table-topping rates...",[],{},"Government-backed savings accounts","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F6wmjK9hJGdPfIH6qcTllxK\u002F83a3e30aa9d8e67b49e24c08c64ab5c8\u002FSavingsHub-Ball-NSI-green.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F7BzFMcujA7b5BIZrgNXsFt\u002F19ea289afe0f08a90e66bf15b75c678b\u002FSavingsHubIcon-NSI-green.png","You've a decent amount of savings","You don't have huge amounts saved","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fsafe-savings\u002F#nsandi","See NS&I's current rates",[],{"accountTypeKey":4617,"accountTypeTitle":4618,"position":2443,"accountTypeShort":4619,"accountTypeDescriptionSnippet":4620,"accountTypeDescription":4621,"accountTypeSlogan":4711,"accountTypeLogo":4712,"accountTypeNavLogo":4713,"accountTypeStartingScore":2568,"accountTypeGoodMatchText":4714,"accountTypeBadMatchText":4715,"guideUrl":4716,"guideUrlCopy":4717,"accountListingControl":4718},"autosaving-apps","Autosavings","Automatic savings apps","An autosaving app uses clever tech to work out what you can afford to save, then automatically moves money from your bank account to a virtual savings account. The idea is that you start building up savings without really noticing the cash is going.",{"nodeType":28,"data":4622,"content":4623},{},[4624,4700],{"nodeType":3084,"data":4625,"content":4629,"fields":4630},{"target":4626},{"sys":4627},{"id":4628,"type":194,"linkType":198},"1oyrDbbsYSrFeYs3bHRTnl",[],{"variant":3091,"text":4631},{"nodeType":28,"data":4632,"content":4633},{},[4634,4694],{"nodeType":3096,"data":4635,"content":4636},{},[4637,4658,4678],{"nodeType":3100,"data":4638,"content":4639},{},[4640],{"nodeType":32,"data":4641,"content":4642},{},[4643,4646,4651,4654],{"nodeType":36,"value":4527,"marks":4644,"data":4645},[],{},{"nodeType":36,"value":4647,"marks":4648,"data":4650},"3%",[4649],{"type":95},{},{"nodeType":36,"value":3131,"marks":4652,"data":4653},[],{},{"nodeType":36,"value":239,"marks":4655,"data":4657},[4656],{"type":95},{},{"nodeType":3100,"data":4659,"content":4660},{},[4661],{"nodeType":32,"data":4662,"content":4663},{},[4664,4667,4671,4674],{"nodeType":36,"value":4196,"marks":4665,"data":4666},[],{},{"nodeType":36,"value":237,"marks":4668,"data":4670},[4669],{"type":95},{},{"nodeType":36,"value":3131,"marks":4672,"data":4673},[],{},{"nodeType":36,"value":300,"marks":4675,"data":4677},[4676],{"type":95},{},{"nodeType":3100,"data":4679,"content":4680},{},[4681],{"nodeType":32,"data":4682,"content":4683},{},[4684,4687,4691],{"nodeType":36,"value":3146,"marks":4685,"data":4686},[],{},{"nodeType":36,"value":23,"marks":4688,"data":4690},[4689],{"type":95},{},{"nodeType":36,"value":4327,"marks":4692,"data":4693},[],{},{"nodeType":32,"data":4695,"content":4696},{},[4697],{"nodeType":36,"value":461,"marks":4698,"data":4699},[],{},{"nodeType":32,"data":4701,"content":4702},{},[4703,4707],{"nodeType":36,"value":3167,"marks":4704,"data":4706},[4705],{"type":95},{},{"nodeType":36,"value":4708,"marks":4709,"data":4710}," these 'autosaving' apps use clever tech to 'read' your bank account, calculate how much you can save, then sweep that amount into a savings account, squirrelling away cash without you noticing – useful if you find it difficult to put money aside. \n\n",[],{},"Save without trying","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F65jZABUYXunZflqHfvYuB2\u002Fed31652eeb3a891138d0a997c230dad4\u002FSavingsHub-Switching-Auto.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F7Fg9tfmX3F6fXtiFByehT5\u002F12d32bed06b38b666857bd0dc6390542\u002FSavingsHubIcon-SwitchingAuto.png","You want to start saving","You're an experienced saver","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fauto-saving-apps\u002F","Check if autosaving could help you start putting money aside",[],{"accountTypeKey":4720,"accountTypeTitle":4721,"position":709,"accountTypeShort":4722,"accountTypeDescriptionSnippet":4723,"accountTypeDescription":4724,"accountTypeSlogan":4843,"accountTypeLogo":4844,"accountTypeNavLogo":4845,"accountTypeStartingScore":294,"accountTypeGoodMatchText":4846,"accountTypeBadMatchText":4847,"guideUrl":4848,"guideUrlCopy":4849,"accountListingControl":4850},"investing","Investing","Stock, shares and funds","Investing is a long way from putting your cash in a savings account where it sits to earn interest. Instead of the security of guaranteed returns, you're taking a risk with your money. The hope is that you make a lot more than you put in (a juicy profit), but there's the possibility you end up with less (a nasty loss).",{"nodeType":28,"data":4725,"content":4726},{},[4727,4815,4830,4837],{"nodeType":3084,"data":4728,"content":4732,"fields":4733},{"target":4729},{"sys":4730},{"id":4731,"type":194,"linkType":198},"4Z63HZQUroNwxOez2xZOSn",[],{"variant":3091,"text":4734},{"nodeType":28,"data":4735,"content":4736},{},[4737,4809],{"nodeType":3096,"data":4738,"content":4739},{},[4740,4768,4791],{"nodeType":3100,"data":4741,"content":4742},{},[4743],{"nodeType":32,"data":4744,"content":4745},{},[4746,4750,4755,4759,4764],{"nodeType":36,"value":4747,"marks":4748,"data":4749},"Average annual returns (last 20 years): ",[],{},{"nodeType":36,"value":4751,"marks":4752,"data":4754},"10%",[4753],{"type":95},{},{"nodeType":36,"value":4756,"marks":4757,"data":4758}," (the US' S&P 500 index), ",[],{},{"nodeType":36,"value":4760,"marks":4761,"data":4763},"6.3%",[4762],{"type":95},{},{"nodeType":36,"value":4765,"marks":4766,"data":4767}," (the UK's FTSE 100)",[],{},{"nodeType":3100,"data":4769,"content":4770},{},[4771],{"nodeType":32,"data":4772,"content":4773},{},[4774,4778,4782,4786],{"nodeType":36,"value":4775,"marks":4776,"data":4777},"Min & max amounts: from ",[],{},{"nodeType":36,"value":237,"marks":4779,"data":4781},[4780],{"type":95},{},{"nodeType":36,"value":4783,"marks":4784,"data":4785},", but there's ",[],{},{"nodeType":36,"value":4787,"marks":4788,"data":4790},"no maximum",[4789],{"type":95},{},{"nodeType":3100,"data":4792,"content":4793},{},[4794],{"nodeType":32,"data":4795,"content":4796},{},[4797,4800,4805],{"nodeType":36,"value":3146,"marks":4798,"data":4799},[],{},{"nodeType":36,"value":4801,"marks":4802,"data":4804},"Usually quick access",[4803],{"type":95},{},{"nodeType":36,"value":4806,"marks":4807,"data":4808},", though it depends what you invest in",[],{},{"nodeType":32,"data":4810,"content":4811},{},[4812],{"nodeType":36,"value":461,"marks":4813,"data":4814},[],{},{"nodeType":32,"data":4816,"content":4817},{},[4818,4822,4826],{"nodeType":36,"value":4819,"marks":4820,"data":4821},"\n\n",[],{},{"nodeType":36,"value":3167,"marks":4823,"data":4825},[4824],{"type":95},{},{"nodeType":36,"value":4827,"marks":4828,"data":4829}," When you invest, you put your cash into the stock market with the aim of making a bigger profit than you would get with interest on a normal, risk-free savings account. Invest in the right company and you could make several times what you put in (though average returns of 5% to 10% a year are historically more accurate, at least for funds). ",[],{},{"nodeType":32,"data":4831,"content":4832},{},[4833],{"nodeType":36,"value":4834,"marks":4835,"data":4836},"Yet with higher reward comes higher risk - you're taking a gamble with your money as there's no guarantee you'll get it all (or even any of it) back if you invest in the 'wrong' company. ",[],{},{"nodeType":32,"data":4838,"content":4839},{},[4840],{"nodeType":36,"value":461,"marks":4841,"data":4842},[],{},"Stocks, shares and funds","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F3hgAiZ4k9sZn1BWJ9YkMgb\u002F9b4757aa8b27003a5fe2e4383d61d2a1\u002FSavingsHub-MoneyGraph.png","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002FM5WRrCOJ4UkduCBFkwO0h\u002F18a7973305fbe3ccfdb6e4365f99a1d5\u002FSavingsHubIcon-MoneyGraph.png","You've a decent amount in cash savings already","You've limited amounts in cash savings","https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Finvestment-beginners\u002F","More info and how to get started is in 'Investing for beginners'",[],{"topAccountsHeading":4852,"topAccountsSubHeading":4853,"bestKnownNameAccountsHeading":4854,"bestKnownNameAccountsSubHeading":4855,"noFussLowAdminHeading":4856,"noFussLowAdminSubHeading":4857,"noFussLowAdminUrlText":4858,"productTooltip":4859,"productRaisinDescription":4917,"waysToSaveLink":4959,"savingsHubHeroPreSavingsPickerContent":5008,"savingsHubHeroPostSavingsPickerContent":5011,"savingsHubHeroNoFussLowAdminContent":5014,"hero":5017},"Top-paying accounts","Accounts are listed in rate order","Best well-known name accounts","As many tell us you prefer a name you know","Low-hassle switching","Here you put money in to the Raisin platform, then it's simple to switch between different banks.","View Raisin accounts",{"data":4860,"content":4861,"nodeType":28},{},[4862,4869,4892,4911],{"data":4863,"content":4864,"nodeType":32},{},[4865],{"data":4866,"marks":4867,"value":4868,"nodeType":36},{},[],"If you click a link with an * to go through to a provider, we may get paid. This usually only happens if you get a product from it. This is what funds our team of journalists, and keeps us free to use. Yet there are two crucial things you need to know about this.",{"data":4870,"content":4871,"nodeType":3096},{},[4872,4882],{"data":4873,"content":4874,"nodeType":3100},{},[4875],{"data":4876,"content":4877,"nodeType":32},{},[4878],{"data":4879,"marks":4880,"value":4881,"nodeType":36},{},[],"This never impacts our editorial recommendations – if it's in, it's in there because we independently rate it best.",{"data":4883,"content":4884,"nodeType":3100},{},[4885],{"data":4886,"content":4887,"nodeType":32},{},[4888],{"data":4889,"marks":4890,"value":4891,"nodeType":36},{},[],"You'll always get as good a deal (or better) than if you went direct. ",{"data":4893,"content":4894,"nodeType":32},{},[4895,4899,4908],{"data":4896,"marks":4897,"value":4898,"nodeType":36},{},[],"For a more detailed explanation see ",{"data":4900,"content":4902,"nodeType":48},{"uri":4901},"https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsite\u002Fmoneysavingexpert-finance\u002F",[4903],{"data":4904,"marks":4905,"value":4907,"nodeType":36},{},[4906],{"type":74},"How MSE is financed",{"data":4909,"marks":4910,"value":87,"nodeType":36},{},[],{"data":4912,"content":4913,"nodeType":32},{},[4914],{"data":4915,"marks":4916,"value":461,"nodeType":36},{},[],{"data":4918,"content":4919,"nodeType":28},{},[4920,4927,4934,4941],{"data":4921,"content":4922,"nodeType":816},{},[4923],{"data":4924,"marks":4925,"value":4926,"nodeType":36},{},[],"What's Raisin via MSE?",{"data":4928,"content":4929,"nodeType":32},{},[4930],{"data":4931,"marks":4932,"value":4933,"nodeType":36},{},[],"We've partnered with Raisin who provide a savings platform that lets you apply once and move your money around multiple savings deals. These aren't for everyone but can be really useful if you have a lot of savings or don't have lots of time to find and move your money around to get a better deal.",{"data":4935,"content":4936,"nodeType":32},{},[4937],{"data":4938,"marks":4939,"value":4940,"nodeType":36},{},[],"'Raisin via MSE' users will be able to open up a Raisin Easy Access account with just £100 minimum deposit (it's usually £1,000).",{"data":4942,"content":4943,"nodeType":32},{},[4944,4948,4955],{"data":4945,"marks":4946,"value":4947,"nodeType":36},{},[],"Like many of the other links on this site, if you set up a Raisin account via MSE, we will receive payment from Raisin when the account is set up and for as long as you hold a balance with them. You can read more on our ",{"data":4949,"content":4950,"nodeType":48},{"uri":4901},[4951],{"data":4952,"marks":4953,"value":4954,"nodeType":36},{},[],"How This Site Is Financed",{"data":4956,"marks":4957,"value":4958,"nodeType":36},{},[]," page.",[4960,4963,4966,4969,4972,4975,4978,4981,4984,4987,4990,4993,4996,4999,5002,5005],{"sys":4961},{"type":194,"linkType":198,"id":4962},"7IydQ7pmQ6waMdkFIHv1I2",{"sys":4964},{"type":194,"linkType":198,"id":4965},"6hGotO3TFTMQNHYWYbKQuN",{"sys":4967},{"type":194,"linkType":198,"id":4968},"60n6QB6kkrihtSFJq9lhL4",{"sys":4970},{"type":194,"linkType":198,"id":4971},"4UXFxT9HcxpTIwyOCBMARh",{"sys":4973},{"type":194,"linkType":198,"id":4974},"2XHcOT74PLUTnDWo4aH3X3",{"sys":4976},{"type":194,"linkType":198,"id":4977},"24XasRbT7EIM0ePmxDIq8y",{"sys":4979},{"type":194,"linkType":198,"id":4980},"2gG5z8t2uba4NENxLhAi1p",{"sys":4982},{"type":194,"linkType":198,"id":4983},"6ZhiBbfoxXG5wd9HQT2J4X",{"sys":4985},{"type":194,"linkType":198,"id":4986},"4NDhRxh1takBDc1FZue6D4",{"sys":4988},{"type":194,"linkType":198,"id":4989},"4SP8kOvITvacg6expsEzpf",{"sys":4991},{"type":194,"linkType":198,"id":4992},"2bApcM6wGABnSSsGmClvXk",{"sys":4994},{"type":194,"linkType":198,"id":4995},"50VSDcaKnssKyEIow2K4IH",{"sys":4997},{"type":194,"linkType":198,"id":4998},"7rgbh9BxgrzeLGQwDrRH8I",{"sys":5000},{"type":194,"linkType":198,"id":5001},"0po9HPT92MNidanIXFUQj",{"sys":5003},{"type":194,"linkType":198,"id":5004},"M4wPdQx3dz5HX6iYsVDGR",{"sys":5006},{"type":194,"linkType":198,"id":5007},"7FvNFTMMZcuRaaJsyrvetU",{"sys":5009},{"type":194,"linkType":198,"id":5010},"1yoW97ZxSm11mFjg812V7G",{"sys":5012},{"type":194,"linkType":198,"id":5013},"01vCq8WR8OKo6V48tUpoxl",{"sys":5015},{"type":194,"linkType":198,"id":5016},"2PmG6fuyrZ8rmgmXf6pp4v",{"prePicker":5018,"postPicker":5063,"noFussLowAdmin":5089},{"metadata":5019,"sys":5022,"fields":5032},{"tags":5020,"concepts":5021},[],[],{"space":5023,"id":5010,"type":198,"createdAt":5025,"updatedAt":5026,"environment":5027,"publishedVersion":1903,"revision":1271,"contentType":5029,"locale":211},{"sys":5024},{"type":194,"linkType":195,"id":196},"2024-10-23T09:29:15.879Z","2025-05-07T13:48:53.218Z",{"sys":5028},{"id":203,"type":194,"linkType":204},{"sys":5030},{"type":194,"linkType":209,"id":5031},"savingsHubHeroPreSavingsPickerContent",{"firstTitle":5033,"firstDescription":5034,"secondTitle":5035,"secondDescription":5036,"secondCta":5037,"secondLoginLabel":5038,"secondImage":5059},"MSE Savings Hub","All the savings best buys at a glance","Need help choosing an account?","Need more of a steer? Our tool analyses which types of accounts might suit you, based on your answers to 10 quick questions.","Try the Savings Picker",{"data":5039,"content":5040,"nodeType":28},{},[5041],{"data":5042,"content":5043,"nodeType":32},{},[5044,5048,5056],{"data":5045,"marks":5046,"value":5047,"nodeType":36},{},[],"Completed the Picker before? ",{"data":5049,"content":5051,"nodeType":48},{"uri":5050},"https:\u002F\u002Fwww.pre1.gb.moneysavingexpert.com\u002Fsavings-hub\u002Flogin",[5052],{"data":5053,"marks":5054,"value":5055,"nodeType":36},{},[],"Log in to retrieve your results",{"data":5057,"marks":5058,"value":87,"nodeType":36},{},[],{"sys":5060},{"type":194,"linkType":5061,"id":5062},"Asset","J3HKGROVO3Z8dNl8Yg1QA",{"metadata":5064,"sys":5067,"fields":5077},{"tags":5065,"concepts":5066},[],[],{"space":5068,"id":5013,"type":198,"createdAt":5070,"updatedAt":5071,"environment":5072,"publishedVersion":2443,"revision":744,"contentType":5074,"locale":211},{"sys":5069},{"type":194,"linkType":195,"id":196},"2024-10-23T09:31:49.408Z","2024-12-17T20:01:07.957Z",{"sys":5073},{"id":203,"type":194,"linkType":204},{"sys":5075},{"type":194,"linkType":209,"id":5076},"savingsHubHeroPostSavingsPickerContent",{"firstTitle":5078,"firstDescription":5079,"secondTitle":5080,"secondDescription":5081,"thirdTitle":5082,"thirdPositiveTitle":5083,"thirdPositiveDescription":5084,"thirdNegativeTitle":5085,"thirdNegativeDescription":5086,"thirdImage":5087},"Your Savings Picker Strategy","We've reordered the accounts below based on your answers - the ones most likely to suit you are at the top","So, how do I choose?","If you've more than one 'green' account (most will), start with a top easy-access account(s). You can move money here and have it earn interest while you find out more on the other types and decide what to do. You're not limited to one type, often it's best to split cash between them.","We categorised account types as...","Likely to suit you","These accounts are likely to work for you based on your circumstances.","Not likely to suit you","These accounts aren't likely to be best for you based on your answers.",{"sys":5088},{"type":194,"linkType":5061,"id":5062},{"fields":5090},{"title":5091,"description":5092,"heroDescription":5093,"image":4148,"mseExclusiveProducts":5153},"Low hassle switching… Raisin (via MSE)","If you’ve a few savings accounts, it can be a pain in the bum when a rate drops, as you need to go through all the paperwork of opening a new best-buy and the stress of transferring your cash.\n\nSavings platforms are built to help with this; you join them, then can open accounts at multiple banks with just a click, and easily move money from one provider to another within the platform. The rates are usually only a fraction short of the very best buys. As the money sits with the actual bank or savings firm not the platform you still get the normal [£120,000 savings safety](https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fsafe-savings\u002F) protection too.\n\nThere are now a few savings platforms in the UK (see [more info on those](https:\u002F\u002Fwww.moneysavingexpert.com\u002Fsavings\u002Fsavings-accounts-best-interest\u002F#savingsplatform)). If they have best-buys, we include them in the top rates section of the Hub. \n\nRaisin is one of the biggest platforms, and we’ve exclusively negotiated that via MSE you can open easy-acccess accounts with just £100 (not its usual £1,000+) to make it more accessible. We’re also looking to arrange exclusive deals in the future. These are Raisin's top rates...\n\n*\nRates below are auto-provided by Raisin*",{"data":5094,"content":5095,"nodeType":28},{},[5096,5103,5121,5139,5146],{"data":5097,"content":5098,"nodeType":32},{},[5099],{"data":5100,"marks":5101,"value":5102,"nodeType":36},{},[],"If you’ve a few savings accounts, it can be a pain in the bum when a rate drops, as you need to go through all the paperwork of opening a new best-buy and the stress of transferring your cash.",{"data":5104,"content":5105,"nodeType":32},{},[5106,5110,5117],{"data":5107,"marks":5108,"value":5109,"nodeType":36},{},[],"Savings platforms are built to help with this; you join them, then can open accounts at multiple banks with just a click, and easily move money from one provider to another within the platform. The rates are usually only a fraction short of the very best buys. As the money sits with the actual bank or savings firm not the platform you still get the normal ",{"data":5111,"content":5112,"nodeType":48},{"uri":454},[5113],{"data":5114,"marks":5115,"value":5116,"nodeType":36},{},[],"£120,000 savings safety",{"data":5118,"marks":5119,"value":5120,"nodeType":36},{},[]," protection too.",{"data":5122,"content":5123,"nodeType":32},{},[5124,5128,5135],{"data":5125,"marks":5126,"value":5127,"nodeType":36},{},[],"There are now a few savings platforms in the UK (see ",{"data":5129,"content":5130,"nodeType":48},{"uri":4097},[5131],{"data":5132,"marks":5133,"value":5134,"nodeType":36},{},[],"more info on those",{"data":5136,"marks":5137,"value":5138,"nodeType":36},{},[],"). If they have best-buys, we include them in the top rates section of the Hub. ",{"data":5140,"content":5141,"nodeType":32},{},[5142],{"data":5143,"marks":5144,"value":5145,"nodeType":36},{},[],"Raisin is one of the biggest platforms, and we’ve exclusively negotiated that via MSE you can open easy-acccess accounts with just £100 (not its usual £1,000+) to make it more accessible. We’re also looking to arrange exclusive deals in the future. These are Raisin's top rates...",{"data":5147,"content":5148,"nodeType":32},{},[5149],{"data":5150,"marks":5151,"value":5152,"nodeType":36},{},[],"*\nRates below are auto-provided by Raisin*",[5154,5183,5202,5220],{"id":5155,"bank_id":5156,"bank_name":5157,"offer_type":5158,"is_notice_account":244,"notice_period":5159,"nominal_interest_rate":5160,"effective_interest_rate":5161,"compound_interest":464,"interest_payout_scheme":5162,"opening_application_type":5163,"currency_code":5164,"minimum_investment_amount":5165,"maximum_investment_amount":5166,"early_termination_enabled":464,"prolongation_enabled":244,"prolongation_nominal_interest_rate":5160,"prolongation_effective_interest_rate":5161,"deposit_insurance_description":5167,"is_fiduciary":464,"is_sharia_compliant":244,"documents":5168,"compliance_information":5169,"interest_booking_interval":5177,"statutory_termination_timeframe":5159,"statutory_termination":5178,"auto_prolongation":5179,"bank_logo_uri":5182},"KRO399","KROOGB22","Kroo Bank Ltd","OVERNIGHT_MONEY",0,3.45,3.51,"MATURITY","ONLINE_ONLY","GBP",100,120000,"The FSCS is the United Kingdom’s statutory deposit guarantee scheme. If an FSCS-protected bank fails or is unable to meet its financial obligations, the FSCS can provide compensation for eligible customer deposits up to a limit of £120,000 per person, per bank. The FSCS’ £120,000 protection limit applies to all deposits held with a bank (including current and savings accounts), as well as any deposits held with intermediaries of the same bank (for example, where a bank operates multiple banks under different trading names). Read our dedicated FAQ page to learn more about the FSCS.","[{\"display_text\":\"Terms and Conditions\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"DTB_TERMS_AND_CONDITIONS\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fkro399\u002Fdocument\u002FDTB_TERMS_AND_CONDITIONS?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"},{\"display_text\":\"Product Fact Sheet\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"PRODUCT_INFORMATION_SHEET\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fkro399\u002Fdocument\u002FPRODUCT_INFORMATION_SHEET?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"},{\"display_text\":\"Deposit Guarantee Scheme\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"DEPOSIT_GUARANTEE_SCHEME_INFORMATION_SHEET\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fkro399\u002Fdocument\u002FDEPOSIT_GUARANTEE_SCHEME_INFORMATION_SHEET?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"}]",{"withdraw_money":5170,"how_much_profit":5171,"deposit_guarantee":5167,"how_manage_savings":5172,"information_required":461,"interest_profit_rate":5173,"savings_product_name":5174,"additional_information":5175,"change_interest_profit_rate":5176},"Raisin Platforms Limited (RPL), will administer the deposit on your behalf.\nFunds will appear in RPL's account by the following business day from funding your application at the latest. Funds will be remitted to Kroo Bank Ltd by RPL on the next business day after arriving in the RPL account.\nThere is no limit to the amount of withdrawals you can make; however, you are unable to withdraw less than £100 in a single withdrawal transaction and a withdrawal will not be authorised if it leaves your balance below £100. To withdraw below your minimum balance you may close your account at any time by requesting closure from within your customer portal.It can therefore take up to 2 business days for an ordered product to be set up and start earning interest, and up to 2 business days for withdrawals and closures to be processed and funds received back in your Raisin UK account.\nYou have the right to cancel your account without charge and without giving any reason, within 14 calendar days from the day of opening this savings account. For further information, please refer to clauses 3.5 and 3.6 of the Raisin Trust Terms and Conditions.","The estimated balance after 12 months on a deposit of £100 is £103.50. This projection is for illustrative purposes only and does not take into account individual circumstances.","To open this savings account, you must apply online through Raisin UK. Savings accounts at Kroo Bank Ltd are only available through this online application process, and to be eligible to apply, you must:\n●      Be a UK resident who is aged 18 or over\n●      Hold a UK bank or building society account from which you will fund your application\n●      Have a valid mobile phone number and email address\n●      Have a UK National Insurance Number\nYour application acceptance will be subject to the successful completion of an Anti-Money Laundering\u002FKnow Your Customer (AML\u002FKYC) check.\nThe minimum amount you can open and operate this account with is £100. \nYou can top up your account with the minimum amount of £100 per transaction and the maximum balance you can have is £120000 (per product and banking institution).\nYou can manage your savings account through Raisin UK by logging into your Raisin UK Account. You can contact Raisin UK by telephone, by email or in writing by using the contact details provided in the Terms & Conditions.\nPlease ensure you have read and understood all sets of Terms and Conditions before applying for this product.","3.51 % AER\u002F 3.45 % GrossAER is the Annual Equivalent Rate and represents what the interest rate would be if interest was realised and paid once each year.\nAccrued interest is calculated daily, compounded monthly and paid gross without prior deduction of tax.\nInterest is credited monthly on the last day of each month.","Kroo Bank Ltd: Easy Access Account","Kroo Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No: 953772. Companies House number 10359002.\n \nRaisin Platforms Limited (RPL) will administer the deposit on your behalf.\n \nFunds will appear in RPL's account by the following business day from funding your application at the latest. Funds will be remitted to Kroo Bank Ltd by RPL on the next business day after arriving in the RPL account. It can therefore take up to 2 business days for an ordered product to be set up and start earning interest.\n \nYou have the right to cancel your account without charge and without giving any reason, within 14 calendar days from the day of opening this savings account.  For further information, please refer to clauses 3.5 and 3.6 of the Raisin Trust Terms and Conditions.","The interest rate applicable to your deposit is variable.\nShould the bank set a date to lower the interest rate, you will be given a minimum of 14 days’ notice. You may receive less notice if the rate increases.","MONTHLY","FALSE",{"default_product":461,"prolongation_enabled":5180,"prolongation_products":5181,"prolongation_interest_treatment":461},"INACTIVE",[],"https:\u002F\u002Feu-images.contentstack.com\u002Fv3\u002Fassets\u002Fblt9e536e7f163b7c56\u002Fblt1b9d75de30dff0e8\u002F65f067189a81d4040a027a36\u002FLogos_Banks_UK_novector_Kroo-Bank.png",{"id":5184,"bank_id":5185,"bank_name":5186,"offer_type":5158,"is_notice_account":244,"notice_period":5159,"nominal_interest_rate":5187,"effective_interest_rate":5188,"compound_interest":464,"interest_payout_scheme":5162,"opening_application_type":5163,"currency_code":5164,"minimum_investment_amount":5165,"maximum_investment_amount":5166,"early_termination_enabled":464,"prolongation_enabled":244,"prolongation_nominal_interest_rate":5187,"prolongation_effective_interest_rate":5188,"deposit_insurance_description":5167,"is_fiduciary":464,"is_sharia_compliant":244,"documents":5189,"compliance_information":5190,"interest_booking_interval":5177,"statutory_termination_timeframe":2981,"statutory_termination":5198,"auto_prolongation":5199,"bank_logo_uri":5201},"MBS310","MMBIGB21","Melton Building Society",3.68,3.74,"[{\"display_text\":\"Deposit Guarantee Scheme\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"DEPOSIT_GUARANTEE_SCHEME_INFORMATION_SHEET\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fmbs310\u002Fdocument\u002FDEPOSIT_GUARANTEE_SCHEME_INFORMATION_SHEET?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"},{\"display_text\":\"Terms and Conditions\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"DTB_TERMS_AND_CONDITIONS\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fmbs310\u002Fdocument\u002FDTB_TERMS_AND_CONDITIONS?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"},{\"display_text\":\"Product Fact Sheet\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"PRODUCT_INFORMATION_SHEET\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fmbs310\u002Fdocument\u002FPRODUCT_INFORMATION_SHEET?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"}]",{"withdraw_money":5191,"how_much_profit":5192,"deposit_guarantee":5167,"how_manage_savings":5193,"information_required":461,"interest_profit_rate":5194,"savings_product_name":5195,"additional_information":5196,"change_interest_profit_rate":5197},"Yes. There is no limit to the amount of withdrawals you can make; however, you are unable to withdraw less than £500 in a single withdrawal transaction and a withdrawal will not be authorised if it leaves your balance below £100. To withdraw below your minimum balance you may close your account at any time by requesting closure from within Raisin UK. Please see Raisin Trust Terms and Conditions for more information.If termination is received on a non-business day (either weekend or public holiday), the termination will be initiated on the next business day. Once termination has been requested it can’t be revoked.","The estimated balance after 12 months on a deposit of £1,000 is £1,037.43. This projection is for\nillustrative purposes only and does not take into account individual circumstances.","To open this savings account, you must apply online through Raisin UK. Savings accounts at RaisinUK are only available through this online application process, and to be eligible to apply, you must:● Be a UK resident who is aged 18 or over● Hold a UK bank or building society account from which you will fund your application● Have a valid mobile phone number and email address● Have a UK National Insurance NumberYour application acceptance will be subject to the successful completion of Anti-MoneyLaundering\u002FKnow Your Customer (AML\u002FKYC) check.The minimum amount you can deposit is £100, and the maximum amount you can deposit is £120000(per product and institution).You can only manage your savings account through Raisin UK by logging into your Raisin UKAccount. You can contact Raisin UK by telephone, email or in writing using the contact detailsprovided in the Raisin UK Terms & Conditions.Please ensure you have read and understood all sets of Terms and Conditions before applying for thisproduct.","3.74% AER \u002F 3.68% GrossAER is the Annual Equivalent Rate and represents what the interest rate would be if interest was realised and paid once each year.\nAccrued interest is calculated daily, compounded monthly and paid gross without prior deduction of tax. Interest is credited monthly on the last day of each month.","Melton Building Society: Easy Access Account","Raisin Platforms Limited (RPL) will administer the deposit on your behalf.\n \nFunds will appear in RPL's account by the following business day from funding your application at the latest. Funds will be remitted to Melton Building Society by RPL on the second business day after arriving in the RPL account. It can therefore take up to 2 business days for an ordered product to be set up and start earning interest, and up to 2 business days for withdrawals and closures to be processed and funds received back in your Raisin UK account.\n \nYou have the right to cancel your account without charge and without giving any reason, within 14 calendar days from the day of opening this savings account. For further information, please refer to clauses 3.5 and 3.6 of the Raisin Trust Terms and Conditions.\n ","The interest rate applicable to your deposit is variable.Should Melton Building Society set a date to lower the interest rate, you will be given a minimum of14 days’ notice. If Melton Building Society set a date to increase the interest rate, customers will benotified within 30 days of the increase.Please review the Raisin Trust Terms and Conditions for more information.","TRUE",{"default_product":461,"prolongation_enabled":5180,"prolongation_products":5200,"prolongation_interest_treatment":461},[],"https:\u002F\u002Feu-images.contentstack.com\u002Fv3\u002Fassets\u002Fblt9e536e7f163b7c56\u002Fbltdae9fe0924229fde\u002F674daf3e889e775fa4636f5e\u002FMBS_CS.png",{"id":5203,"bank_id":5204,"bank_name":5205,"offer_type":5158,"is_notice_account":244,"notice_period":5159,"nominal_interest_rate":5206,"effective_interest_rate":5207,"compound_interest":464,"interest_payout_scheme":5162,"opening_application_type":5163,"currency_code":5164,"minimum_investment_amount":5165,"maximum_investment_amount":5166,"early_termination_enabled":464,"prolongation_enabled":244,"prolongation_nominal_interest_rate":5206,"prolongation_effective_interest_rate":5207,"deposit_insurance_description":5167,"is_fiduciary":464,"is_sharia_compliant":244,"documents":5208,"compliance_information":5209,"interest_booking_interval":5177,"statutory_termination_timeframe":2981,"statutory_termination":5198,"auto_prolongation":5217,"bank_logo_uri":5219},"FBS399","FUBSGB22","Furness Building Society",3.69,3.75,"[{\"display_text\":\"Product Fact Sheet\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"PRODUCT_INFORMATION_SHEET\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Ffbs399\u002Fdocument\u002FPRODUCT_INFORMATION_SHEET?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"},{\"display_text\":\"Terms and Conditions\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"DTB_TERMS_AND_CONDITIONS\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Ffbs399\u002Fdocument\u002FDTB_TERMS_AND_CONDITIONS?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"},{\"display_text\":\"Deposit Guarantee Scheme\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"DEPOSIT_GUARANTEE_SCHEME_INFORMATION_SHEET\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Ffbs399\u002Fdocument\u002FDEPOSIT_GUARANTEE_SCHEME_INFORMATION_SHEET?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"}]",{"withdraw_money":5210,"how_much_profit":5211,"deposit_guarantee":5167,"how_manage_savings":5212,"information_required":461,"interest_profit_rate":5213,"savings_product_name":5214,"additional_information":5215,"change_interest_profit_rate":5216},"Raisin Platforms Limited (RPL), will administer the deposit on your behalf.\nFunds will appear in RPL's account by the following business day from funding your application at the latest. Funds will be remitted to Furness Building Society by RPL on the next business day after arriving in the RPL account.\nThere is no limit to the amount of withdrawals you can make; however, you are unable to withdraw less than £100 in a single withdrawal transaction and a withdrawal will not be authorised if it leaves your balance below £100. To withdraw below your minimum balance you may close your account at any time by requesting closure from within your customer portal.It can therefore take up to 2 business days for an ordered product to be set up and start earning interest, and up to 2 business days for withdrawals and closures to be processed and funds received back in your Raisin UK account.\nYou have the right to cancel your account without charge and without giving any reason, within 14 calendar days from the day of opening this savings account. For further information, please refer to clauses 3.5 and 3.6 of the Raisin Trust Terms and Conditions.","The estimated balance after 12 months on a deposit of £100 is £103.75.\nThis projection is for illustrative purposes only and does not take into account individual circumstances.","To open this savings account, you must apply online through Raisin UK. Savings accounts at Furness Building Society are only available through this online application process, and to be eligible to apply, you must:\n●      Be a UK resident who is aged 18 or over\n●      Hold a UK bank or building society account from which you will fund your application\n●      Have a valid mobile phone number and email address\n●      Have a UK National Insurance Number\nYour application acceptance will be subject to the successful completion of an Anti-Money Laundering\u002FKnow Your Customer (AML\u002FKYC) check.\nThe minimum amount you can open and operate this account with is £100. \nYou can top up your account with the minimum amount of £100 per transaction and the maximum balance you can have is £120000 (per product and banking institution).\nYou can manage your savings account through Raisin UK by logging into your Raisin UK Account. You can contact Raisin UK by telephone, by email or in writing by using the contact details provided in the Terms & Conditions.\nPlease ensure you have read and understood all sets of Terms and Conditions before applying for this product.","3.75% AER \u002F (paid as 3.69% gross)\nAccrued interest is calculated daily, compounded, and credited monthly and paid gross without prior deduction of tax.\nAER is the Annual Equivalent Rate and represents what the interest rate would be if interest was realised and paid once each year.","Furness Building Society: Easy Access Account","Raisin Platforms Limited (RPL), will administer the deposit on your behalf.\n \nFunds will appear in RPL's account by the following business day from funding your application at the latest. Funds will be remitted to Furness Building Society by RPL on the next business day after arriving in the RPL account.\n \nIt can therefore take up to 2 business days for an ordered product to be set up and start earning interest, and up to 2 business days for withdrawals and closures to be processed and funds received back in your Raisin UK account.\n \nYou have the right to cancel your account without charge and without giving any reason, within 14 calendar days from the day of opening this savings account. For further information, please refer to clauses 3.5 and 3.6 of the Raisin Trust Terms and Conditions.","The interest rate applicable to your deposit is variable.\nShould the bank set a date to lower the interest rate, you will be given a minimum of 14 days' notice. You may receive less if the rate increases.",{"default_product":461,"prolongation_enabled":5180,"prolongation_products":5218,"prolongation_interest_treatment":461},[],"https:\u002F\u002Feu-images.contentstack.com\u002Fv3\u002Fassets\u002Fblt9e536e7f163b7c56\u002Fblt879cd5f3cf5194bf\u002F661e777bfa70f33f25cf0714\u002Ffurness_logo.png",{"id":5221,"bank_id":5222,"bank_name":5223,"offer_type":5158,"is_notice_account":244,"notice_period":5159,"nominal_interest_rate":5224,"effective_interest_rate":5225,"compound_interest":464,"interest_payout_scheme":5162,"opening_application_type":5163,"currency_code":5164,"minimum_investment_amount":5165,"maximum_investment_amount":5166,"early_termination_enabled":464,"prolongation_enabled":244,"prolongation_nominal_interest_rate":5224,"prolongation_effective_interest_rate":5225,"deposit_insurance_description":5167,"is_fiduciary":464,"is_sharia_compliant":244,"documents":5226,"compliance_information":5227,"interest_booking_interval":5177,"statutory_termination_timeframe":5159,"statutory_termination":5178,"auto_prolongation":5235,"bank_logo_uri":5237},"MNM399","MNMTGB22","Monument Bank limited",3.56,3.62,"[{\"display_text\":\"Deposit Guarantee Scheme\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"DEPOSIT_GUARANTEE_SCHEME_INFORMATION_SHEET\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fmnm399\u002Fdocument\u002FDEPOSIT_GUARANTEE_SCHEME_INFORMATION_SHEET?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"},{\"display_text\":\"Product Fact Sheet\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"PRODUCT_INFORMATION_SHEET\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fmnm399\u002Fdocument\u002FPRODUCT_INFORMATION_SHEET?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"},{\"display_text\":\"Terms and Conditions\",\"type\":\"document\",\"group\":\"documents\",\"id\":\"DTB_TERMS_AND_CONDITIONS\",\"mandatory\":true,\"mime_type\":\"application\u002Fpdf\",\"status_code\":\"AVAILABLE\",\"methods\":[\"GET\"],\"request_uri\":\"rcba\u002Fv2\u002Fgbr\u002Foffer\u002Fmnm399\u002Fdocument\u002FDTB_TERMS_AND_CONDITIONS?locale=en_GB\",\"creation_date_time\":\"2026-03-18T14:10:34\",\"modification_date_time\":\"2026-03-18T14:10:34\"}]",{"withdraw_money":5228,"how_much_profit":5229,"deposit_guarantee":5167,"how_manage_savings":5230,"information_required":461,"interest_profit_rate":5231,"savings_product_name":5232,"additional_information":5233,"change_interest_profit_rate":5234},"Yes. There is no limit to the amount of withdrawals you can make; however, you are unable to withdraw less than £500 in a single withdrawal transaction and a withdrawal will not be authorised if it leaves your balance below £1,000. \nWithdrawal requests can take up to two working days to be processed (a working day is any day other than a Saturday, Sunday, or public holiday).\nYou may close this Easy Access Account at any time by contacting Raisin UK. \nFollowing a request to close your Easy Access Account,  funds will be returned to your Raisin Account by Raisin Trust. Please refer to the Raisin Terms & Conditions and Raisin Trust Terms and Conditions for further information.\nIf an account closure request is received on a non-working day (either weekend or public holiday), your request will be initiated on the next working day.\nMonument may close your Easy Access Account with immediate effect if there are exceptional circumstances affecting its business. In these circumstances your funds will be returned along with any accrued interest.","The estimated balance after 12 months on a deposit of £1,000 at an interest rate of 3.56% Gross (variable) is £1036.19.\nFor the purposes of this calculation we assume that:\nYou make a deposit of £1,000 on the Easy Access Account opening date\nYou make no further deposits or withdrawals\nThe interest is paid into the Easy Access Account\nThe interest rate remains the same for 12 months\nThis projection is for illustrative purposes only and does not take into account individual circumstances.","To open this Easy Access Account, you must apply online through Raisin UK. Savings accounts at Raisin UK are only available through this online application process. To be eligible to apply for this Easy Access Account, you must:\n● Be an individual, a UK resident and aged 18 or over;\n● Hold a UK bank or building society account from which you will fund your application;\n● Have a valid mobile phone number and email address;\n● Have a UK National Insurance Number; and\n● Only use this savings account for personal purposes, not business purposes\nYour application acceptance will be subject to the successful completion of Anti-Money Laundering\u002FKnow Your Customer (AML\u002FKYC) checks.\nThe minimum account balance for this Easy Access Account is £100, and the maximum balance you can have across all savings accounts you hold with Monument Bank via Raisin UK is £120000. \nYou can top up your Easy Access Account with a minimum amount of £500 per transaction.\nYou can manage this Easy Access Account (including depositing or withdrawing monies) by logging into your Raisin UK Account. You can contact Raisin UK by telephone, by email or in writing by using the contact details provided in the Raisin UK Terms & Conditions.\nIt can take up to 2 business days for this Easy Access Account to be set up and start earning interest.  For more information, please see the Raisin UK Terms & Conditions and Raisin Trust Terms & Conditions.\nPlease ensure you have read all Terms and Conditions before applying for this Easy Access Account.","3.62% AER \u002F 3.56% gross\nAER stands for Annual Equivalent Rate. This shows you what the interest rate would be if interest was paid and compounded once each year.\nGross is the rate of interest payable before income tax is deducted. Interest is calculated daily and is paid into the Easy Access Account on the last day of each month, or upon closure of the Easy Access Account.\nInterest will be paid gross without prior deduction of tax.","Monument Bank limited: Easy Access Account","Privacy Notice\nPlease see our Privacy Notice (www.monument.co\u002Fprivacy) for information on how we process personal data.\n \nTerms and Conditions\nThese Terms and Conditions are between Monument Bank Limited (“Monument”) and Raisin Platforms Limited (\"RPL\") and apply to any Monument deposit account opened by Raisin Platforms Limited (“Raisin UK”) on your behalf via the Raisin platform.\n \nPlease see the Raisin UK Terms and Conditions and the Raisin Trust Terms and Conditions for more information. Raisin Platforms Limited will administer the monies in this Fixed Term Deposit on your behalf. These Terms and Conditions are not binding between you and Monument, and you will not become a customer of Monument. These Terms and Conditions incorporate the Monument Bank Easy Access Account Summary Box which sets out the interest rate and key features of this product.\n \nMonument may need to make changes to these Terms and Conditions if it has a valid reason. For example this could be, but not limited to the following:\nTo comply with changes in law, industry codes or regulatory requirements;\nTo reflect changes in the systems, schemes or suppliers it uses;\nTo reflect changes in inflation or the costs it reasonably incurs in providing accounts or services; or\nTo make these Terms and Conditions clearer or more favourable.\n \nMonument will usually provide at least 30 days’ notice of all changes. If any changes are to be made you will be notified in writing.\n \nFinancial Services Compensation Scheme (FSCS)\nEligible deposits benefit from FSCS protection up to the maximum amount of £120000 (for deposits held on an individual basis. The applicable limit will apply to the aggregate amount you place with Monument Bank directly and through any savings platform (such as Raisin).","The interest rate applicable to this Easy Access Account is variable and may change from time to time at Monument’s discretion.\nIf Monument increases the interest rate, the new interest rate will apply immediately, and you will be notified as soon as possible.\nIf Monument decreases the interest rate, you will receive at least 14 days’ notice before the new interest rate will apply.\nPlease see the Raisin Trust Terms and Conditions for more information.",{"default_product":461,"prolongation_enabled":5180,"prolongation_products":5236,"prolongation_interest_treatment":461},[],"https:\u002F\u002Feu-images.contentstack.com\u002Fv3\u002Fassets\u002Fblt9e536e7f163b7c56\u002Fblt13b188fbc2926a34\u002F65de1c233ee698040a516d1a\u002FMonument_Bank_OBS.png",{"onboarding":5239,"questions":5280,"saveAnswers":5797,"confirmation":5811},{"title":5240,"summary":5241,"buttonLabel":5242,"options":5243},"Welcome to the Savings Picker","This handy tool will help you find the savings accounts likely to be best for you based on YOUR circumstances","Start the Savings Picker",[5244,5256,5268],{"image":5245,"description":5246,"position":744},"\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F6cjh2lCc4U74aeAhdjEpBw\u002Fe9f35fdec9e19433a0356d1c071f389d\u002Ficon-alert.png",{"nodeType":28,"data":5247,"content":5248},{},[5249],{"nodeType":32,"data":5250,"content":5251},{},[5252],{"nodeType":36,"value":5253,"marks":5254,"data":5255},"We'll guide you with tips as you go along",[],{},{"image":5257,"description":5258,"position":1631},"\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F24GdxcRk2OJaZdJRmEL8WA\u002F17444b1698d78e37ccfedd69bdf00d37\u002Ficon-cross-tick.png",{"nodeType":28,"data":5259,"content":5260},{},[5261],{"nodeType":32,"data":5262,"content":5263},{},[5264],{"nodeType":36,"value":5265,"marks":5266,"data":5267},"Once done, we'll tell you which account types are likely to best suit you",[],{},{"image":5269,"description":5270,"position":24},"\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F6DZLFodL9XN7lWpHKYXEsu\u002F06d918a800d8e01ea55d6e5c6b780858\u002Ficon-doc.png",{"nodeType":28,"data":5271,"content":5272},{},[5273],{"nodeType":32,"data":5274,"content":5275},{},[5276],{"nodeType":36,"value":5277,"marks":5278,"data":5279},"We'll ask you 10 quick questions",[],{},[5281,5353,5401,5432,5539,5574,5605,5635,5708,5766],{"title":5282,"isMultipleChoice":244,"buttonLabel":5283,"feedbackTitle":5284,"allowNone":244,"options":5285,"position":294},"Would you be willing to lock your money away in a fixed-rate account, without access, for higher interest?","Keep going...","💡 Your Savings Strategy - adding tip #5",[5286,5304,5319,5335],{"value":5287,"feedback":5288,"points":5298},"Yes",{"nodeType":28,"data":5289,"content":5290},{},[5291],{"nodeType":32,"data":5292,"content":5293},{},[5294],{"nodeType":36,"value":5295,"marks":5296,"data":5297},"As you can lock money away without access, we've moved fixed-rate accounts up in your Savings Hub. They usually pay more than easy-access accounts, so are worth looking at. It's always best to keep at least an emergency fund (up to six months' worth of expenses) accessible, so don't lock ALL your money away in a fix. ",[],{},[5299,5300,5301,5302],{"accountTypeKey":2566,"value":663},{"accountTypeKey":3416,"value":1513},{"accountTypeKey":3966,"value":1513},{"accountTypeKey":742,"value":5303},25,{"value":5305,"feedback":5306,"points":5316},"No, I need instant access to all my savings",{"data":5307,"content":5308,"nodeType":28},{},[5309],{"data":5310,"content":5311,"nodeType":32},{},[5312],{"data":5313,"marks":5314,"value":5315,"nodeType":36},{},[],"No problems, as you can't lock money away, easy-access accounts are probably better for you. We'll move these higher in your Savings Hub.",[5317,5318],{"accountTypeKey":1629,"value":5303},{"accountTypeKey":22,"value":5303},{"value":5320,"feedback":5321,"points":5331},"No, but I can wait a month or two to access the cash",{"nodeType":28,"data":5322,"content":5323},{},[5324],{"nodeType":32,"data":5325,"content":5326},{},[5327],{"nodeType":36,"value":5328,"marks":5329,"data":5330},"As you can wait to access your cash, this brings notice accounts into play. You can get a higher rate than with easy access, but you'll need to time it, as you have to wait weeks or months to get your money (you can choose a notice period that works for you). We'll move notice accounts higher in your Savings Strategy. ",[],{},[5332,5333,5334],{"accountTypeKey":22,"value":24},{"accountTypeKey":1629,"value":230},{"accountTypeKey":3416,"value":1513},{"value":5336,"feedback":5337,"points":5347},"Probably, but there's a chance I need access",{"nodeType":28,"data":5338,"content":5339},{},[5340],{"nodeType":32,"data":5341,"content":5342},{},[5343],{"nodeType":36,"value":5344,"marks":5345,"data":5346},"Fixed-rate cash ISAs can offer the best of both worlds, as - by law - you can access your money during the fixed term (though the provider can charge a penalty). Or you could lock some money away, and keep some accessible in an easy-access account. We'll move info on fixed cash ISAs, fixed savings and easy-access accounts up in your Savings Hub.  ",[],{},[5348,5349,5350,5351,5352],{"accountTypeKey":2566,"value":663},{"accountTypeKey":1629,"value":5303},{"accountTypeKey":3416,"value":1513},{"accountTypeKey":22,"value":5303},{"accountTypeKey":742,"value":5303},{"title":5354,"isMultipleChoice":244,"buttonLabel":5355,"feedbackTitle":5356,"allowNone":244,"options":5357,"position":1271},"Do you pay income tax on your savings interest?","Next question...","💡 Your Savings Strategy - adding tip #6",[5358,5373,5387],{"value":5287,"feedback":5359,"points":5369},{"nodeType":28,"data":5360,"content":5361},{},[5362],{"nodeType":32,"data":5363,"content":5364},{},[5365],{"nodeType":36,"value":5366,"marks":5367,"data":5368},"As you pay tax on savings interest, we've moved info on cash ISAs higher in your Savings Strategy. ISAs allow you to save up to £20,000 in each tax year, and the interest's always tax-free.",[],{},[5370,5371,5372],{"accountTypeKey":2566,"value":663},{"accountTypeKey":4260,"value":1513},{"accountTypeKey":1629,"value":5303},{"value":5374,"feedback":5375,"points":5385},"No",{"nodeType":28,"data":5376,"content":5377},{},[5378],{"nodeType":32,"data":5379,"content":5380},{},[5381],{"nodeType":36,"value":5382,"marks":5383,"data":5384},"Cash ISAs allow you to save up to £20,000 per tax year, and their advantage is that the interest you get in them is never taxed. But if you're unlikely to pay tax on interest anyway, these probably won't be as effective for you. We've downgraded Cash ISAs in your Strategy.",[],{},[5386],{"accountTypeKey":22,"value":5303},{"value":5388,"feedback":5389,"points":5399},"I don't know",{"nodeType":28,"data":5390,"content":5391},{},[5392],{"nodeType":32,"data":5393,"content":5394},{},[5395],{"nodeType":36,"value":5396,"marks":5397,"data":5398},"Tax can be, well... taxing. Almost everyone can get some interest paid tax-free, but the more savings you have, the more you're likely to go over this tax-free allowance. We've moved info on ISAs higher in your Strategy so you can see if they might be right for you (given that an ISA is just a savings account where the interest is always tax-free).",[],{},[5400],{"accountTypeKey":22,"value":24},{"title":5402,"isMultipleChoice":244,"buttonLabel":5403,"feedbackTitle":5404,"allowNone":244,"options":5405,"position":380},"Do you have a credit card or loan you pay interest on (don't include student loans or mortgages)?","Just two more questions","💡 Your Savings Strategy - adding tip #8",[5406,5419],{"value":5287,"feedback":5407,"points":5417},{"nodeType":28,"data":5408,"content":5409},{},[5410],{"nodeType":32,"data":5411,"content":5412},{},[5413],{"nodeType":36,"value":5414,"marks":5415,"data":5416},"If the interest rate on your loan or credit card is higher than any rate you can get on savings (it almost always is), then it makes sense to use the savings to pay the debt off. We've moved our full guide on when and how to do this higher in your Savings Hub. ",[],{},[5418],{"accountTypeKey":4154,"value":5303},{"value":5374,"feedback":5420,"points":5430},{"nodeType":28,"data":5421,"content":5422},{},[5423],{"nodeType":32,"data":5424,"content":5425},{},[5426],{"nodeType":36,"value":5427,"marks":5428,"data":5429},"If you're not paying interest on loan or credit card debt, then saving could be a good use of any spare cash. We've downgraded info about paying off debts with savings in your Savings Hub as it's not relevant for you. ",[],{},[5431],{"accountTypeKey":22,"value":5159},{"title":5433,"isMultipleChoice":244,"buttonLabel":5434,"feedbackTitle":5435,"allowNone":244,"options":5436,"position":24},"Do you already have savings? ","Next question","💡 Your Savings Strategy - adding tip #1",[5437,5452,5467,5483,5506,5521],{"value":5438,"feedback":5439,"points":5449},"I already have some savings ",{"nodeType":28,"data":5440,"content":5441},{},[5442],{"nodeType":32,"data":5443,"content":5444},{},[5445],{"nodeType":36,"value":5446,"marks":5447,"data":5448},"As you've already got savings, the important thing to do is check you're making the most of them. We'll move accounts that'll help you do this to the top of the page once you've finished this Savings Picker. And the questions that follow will help us refine our list of accounts we think will suit you.",[],{},[5450,5451],{"accountTypeKey":22,"value":24},{"accountTypeKey":1629,"value":230},{"value":5453,"feedback":5454,"points":5464},"I'm about to get some money and I want to save it",{"nodeType":28,"data":5455,"content":5456},{},[5457],{"nodeType":32,"data":5458,"content":5459},{},[5460],{"nodeType":36,"value":5461,"marks":5462,"data":5463},"Where you put your cash (when you get it) will be vital - you want to maximise interest while making sure your savings are safe. We'll move accounts that'll help you do this to the top of the page once you've finished this Savings Picker. And the questions that follow will help us refine our list of accounts we think will suit you.",[],{},[5465,5466],{"accountTypeKey":22,"value":24},{"accountTypeKey":1629,"value":230},{"value":5468,"feedback":5469,"points":5479},"I'm able to start saving something each month",{"nodeType":28,"data":5470,"content":5471},{},[5472],{"nodeType":32,"data":5473,"content":5474},{},[5475],{"nodeType":36,"value":5476,"marks":5477,"data":5478},"As you'll be saving month by month, we've boosted info about regular savings accounts (as these let you save smaller amounts each month at high interest) to the top of the page you'll see once you've finished this Savings Picker. And the questions that follow will help us refine our list of (other) accounts we think will suit you.",[],{},[5480,5481],{"accountTypeKey":3076,"value":2326},{"accountTypeKey":5482,"value":2326},"top-linked-regular-savings",{"value":5484,"feedback":5485,"points":5501},"I have some savings already AND I can save something each month",{"nodeType":28,"data":5486,"content":5487},{},[5488,5495],{"nodeType":32,"data":5489,"content":5490},{},[5491],{"nodeType":36,"value":5492,"marks":5493,"data":5494},"To max every penny, it's best to save in different places for the lump sum and the monthly savings. We'll move the best accounts for this to the top of the page you'll see once you've finished this Savings Picker. And the questions that follow will help us refine our list of (other) accounts we think will suit you.",[],{},{"nodeType":32,"data":5496,"content":5497},{},[5498],{"nodeType":36,"value":461,"marks":5499,"data":5500},[],{},[5502,5503,5504,5505],{"accountTypeKey":3076,"value":2326},{"accountTypeKey":22,"value":24},{"accountTypeKey":1629,"value":230},{"accountTypeKey":5482,"value":2326},{"value":5507,"feedback":5508,"points":5518},"I already have savings and I'll be getting an additional amount soon",{"nodeType":28,"data":5509,"content":5510},{},[5511],{"nodeType":32,"data":5512,"content":5513},{},[5514],{"nodeType":36,"value":5515,"marks":5516,"data":5517},"You may just want to add the new amount to the same account as the old one, though it'll depend how much you have. We'll ask this next. In the meantime we've moved easy-access accounts to the top of the page you'll see once you've finished this Savings Picker. And the questions that follow will help us refine our list of (other) accounts we think will suit you.",[],{},[5519,5520],{"accountTypeKey":22,"value":24},{"accountTypeKey":1629,"value":230},{"value":5522,"feedback":5523,"points":5533},"No, but I want to start",{"nodeType":28,"data":5524,"content":5525},{},[5526],{"nodeType":32,"data":5527,"content":5528},{},[5529],{"nodeType":36,"value":5530,"marks":5531,"data":5532},"Starting can be hard... but where there's a will, there's a way. We'll move accounts that'll help you get started to the top of the page you'll see once you've finished this Savings Picker. And the questions that follow will help us refine our list of (other) accounts we think will suit you and help you grow your savings pot.",[],{},[5534,5535,5536,5537,5538],{"accountTypeKey":3076,"value":2326},{"accountTypeKey":4617,"value":5303},{"accountTypeKey":22,"value":1513},{"accountTypeKey":1629,"value":230},{"accountTypeKey":5482,"value":2326},{"title":5540,"isMultipleChoice":244,"buttonLabel":5541,"feedbackTitle":5542,"allowNone":244,"options":5543,"position":230},"Are you currently repaying a student loan?","Finished!","💡 Your Savings Strategy - adding tip #10",[5544,5561],{"value":5287,"feedback":5545,"points":5559},{"nodeType":28,"data":5546,"content":5547},{},[5548],{"nodeType":32,"data":5549,"content":5550},{},[5551,5555],{"nodeType":36,"value":5552,"marks":5553,"data":5554},"You could use your savings to pay off your student loan, but as these loans are only repaid above a certain earnings threshold, voluntarily overpaying them is likely to be a waste of money for most",[],{},{"nodeType":36,"value":5556,"marks":5557,"data":5558},". However, for some higher earners, it may be a good idea. We've moved our info on overpaying student loans higher on your Savings Hub page - do read it thoroughly before doing anything. ",[],{},[5560],{"accountTypeKey":3296,"value":663},{"value":5374,"feedback":5562,"points":5572},{"nodeType":28,"data":5563,"content":5564},{},[5565],{"nodeType":32,"data":5566,"content":5567},{},[5568],{"nodeType":36,"value":5569,"marks":5570,"data":5571},"As you're not repaying a student loan, we've moved our guidance on saving vs. overpaying your loan in to the \"not likely to suit you\" area of the Savings Hub page you'll see once you've finished these questions. Simply as it's not relevant to you. ",[],{},[5573],{"accountTypeKey":22,"value":5159},{"title":5575,"isMultipleChoice":244,"buttonLabel":5576,"feedbackTitle":5577,"allowNone":244,"options":5578,"position":3540},"Do you have a mortgage?","One more question to go","💡 Your Savings Strategy - adding tip #9",[5579,5592],{"value":5287,"feedback":5580,"points":5590},{"nodeType":28,"data":5581,"content":5582},{},[5583],{"nodeType":32,"data":5584,"content":5585},{},[5586],{"nodeType":36,"value":5587,"marks":5588,"data":5589},"If the mortgage's interest rate is higher than the rate you can get on a savings account, it could be better to overpay your mortgage rather than save. We've moved information on who should do this (and how to do it) higher on the Savings Hub page you'll see once you finish the questions. ",[],{},[5591],{"accountTypeKey":3190,"value":663},{"value":5374,"feedback":5593,"points":5603},{"nodeType":28,"data":5594,"content":5595},{},[5596],{"nodeType":32,"data":5597,"content":5598},{},[5599],{"nodeType":36,"value":5600,"marks":5601,"data":5602},"As you don't have a mortgage, we've moved our information on whether overpaying it beats saving to the \"not likely to suit you\" area of the Savings Hub page you'll see once you finish the questions.",[],{},[5604],{"accountTypeKey":22,"value":5159},{"title":5606,"isMultipleChoice":244,"buttonLabel":5434,"feedbackTitle":5607,"allowNone":244,"options":5608,"position":1631},"Are you claiming Universal Credit or Tax Credits?","💡 Your Savings Strategy - adding tip #3",[5609,5622],{"value":5287,"feedback":5610,"points":5620},{"data":5611,"content":5612,"nodeType":28},{},[5613],{"data":5614,"content":5615,"nodeType":32},{},[5616],{"data":5617,"marks":5618,"value":5619,"nodeType":36},{},[],"As you're on Universal or Tax Credits, you may be able to access Help to Save, a government-backed savings account where you get an unbeatable 50% bonus on the highest amount you have in it. We'll bring info on this account to the top of your Savings Strategy.",[5621],{"accountTypeKey":4382,"value":5165},{"value":5374,"feedback":5623,"points":5633},{"nodeType":28,"data":5624,"content":5625},{},[5626],{"nodeType":32,"data":5627,"content":5628},{},[5629],{"nodeType":36,"value":5630,"marks":5631,"data":5632},"You're not eligible for Help to Save, a government-backed savings account with a 50% bonus, so we've moved info on this account to the 'not likely to suit you' category in your Savings Hub.",[],{},[5634],{"accountTypeKey":22,"value":5159},{"title":5636,"isMultipleChoice":244,"buttonLabel":5637,"feedbackTitle":5638,"allowNone":244,"options":5639,"position":744},"Approximately how much do you already have saved?","Keep going","💡 Your Savings Strategy - adding tip #2",[5640,5655,5672,5689],{"value":5641,"feedback":5642,"points":5652},"Under £10,000",{"nodeType":28,"data":5643,"content":5644},{},[5645],{"nodeType":32,"data":5646,"content":5647},{},[5648],{"nodeType":36,"value":5649,"marks":5650,"data":5651},"With savings under £10,000 it is unlikely that you will pay much, if any, tax on your savings interest as it'll be covered by your Personal Savings Allowance. Ordinarily, this'd mean we'd say you don't need an ISA (ISAs are accounts where you never pay tax on the interest), but currently ISAs pay the top rates, so we'll keep them as a good option for you.",[],{},[5653,5654],{"accountTypeKey":22,"value":24},{"accountTypeKey":1629,"value":230},{"value":5656,"feedback":5657,"points":5667},"£10,000 - £84,999",{"nodeType":28,"data":5658,"content":5659},{},[5660],{"nodeType":32,"data":5661,"content":5662},{},[5663],{"nodeType":36,"value":5664,"marks":5665,"data":5666},"As you've a decent amount saved, you'll likely pay tax on the interest you earn (unless it's already in a cash ISA, where the interest is never taxed). So, we've moved info about cash ISAs, which minimise the tax you pay on interest, higher up in your Savings Hub. We've also moved info about investing higher, as it's something you may want to consider.",[],{},[5668,5669,5670,5671],{"accountTypeKey":4720,"value":1513},{"accountTypeKey":22,"value":1513},{"accountTypeKey":1629,"value":230},{"accountTypeKey":3966,"value":1513},{"value":5673,"feedback":5674,"points":5683},"£85,000 to £249,999",{"nodeType":28,"data":5675,"content":5676},{},[5677],{"nodeType":32,"data":5678,"content":5679},{},[5680],{"nodeType":36,"value":5664,"marks":5681,"data":5682},[],{},[5684,5685,5686,5687,5688],{"accountTypeKey":4260,"value":1513},{"accountTypeKey":22,"value":1513},{"accountTypeKey":1629,"value":230},{"accountTypeKey":4501,"value":5303},{"accountTypeKey":4720,"value":5303},{"value":5690,"feedback":5691,"points":5701},"Over £250,000",{"nodeType":28,"data":5692,"content":5693},{},[5694],{"nodeType":32,"data":5695,"content":5696},{},[5697],{"nodeType":36,"value":5698,"marks":5699,"data":5700},"As you've a very large amount in savings, it's likely best to put it in several different types of accounts - a mix of cash ISAs, 100% protected accounts and investment accounts may suit you. We've moved these accounts higher up on the Savings Hub page you'll see once you've finished these questions.",[],{},[5702,5703,5704,5705,5706,5707],{"accountTypeKey":4260,"value":1513},{"accountTypeKey":22,"value":24},{"accountTypeKey":4720,"value":1513},{"accountTypeKey":1629,"value":230},{"accountTypeKey":4501,"value":5303},{"accountTypeKey":3966,"value":1513},{"title":5709,"isMultipleChoice":244,"buttonLabel":5710,"feedbackTitle":5711,"allowNone":244,"options":5712,"position":1467},"Do you regularly move your savings to get better rates (or would you if it was made easier for you)?","Not too many more!","💡 Your Savings Strategy - adding tip #7",[5713,5726,5739,5752],{"value":5287,"feedback":5714,"points":5724},{"nodeType":28,"data":5715,"content":5716},{},[5717],{"nodeType":32,"data":5718,"content":5719},{},[5720],{"nodeType":36,"value":5721,"marks":5722,"data":5723},"A 'savings marketplace' lets you easily shift cash between banks on its platform, minimising the fuss and admin involved in moving large amounts of cash between banks. We've moved info on these marketplaces higher on the Savings Hub page you'll see once you've finished these questions. ",[],{},[5725],{"accountTypeKey":3966,"value":5303},{"value":5522,"feedback":5727,"points":5737},{"nodeType":28,"data":5728,"content":5729},{},[5730],{"nodeType":32,"data":5731,"content":5732},{},[5733],{"nodeType":36,"value":5734,"marks":5735,"data":5736},"A 'savings marketplace' lets you easily shift cash between banks on its platform, minimising the fuss and admin involved with moving large amounts of cash between banks. We've moved info on these marketplaces higher on the Savings Hub page you'll see once you've finished these questions.",[],{},[5738],{"accountTypeKey":3966,"value":5303},{"value":5740,"feedback":5741,"points":5750},"No, but I might if it was made easy",{"nodeType":28,"data":5742,"content":5743},{},[5744],{"nodeType":32,"data":5745,"content":5746},{},[5747],{"nodeType":36,"value":5734,"marks":5748,"data":5749},[],{},[5751],{"accountTypeKey":3966,"value":5303},{"value":5753,"feedback":5754,"points":5764},"No, and I don't want to (or it's not worth it as I've only a small amount saved)",{"nodeType":28,"data":5755,"content":5756},{},[5757],{"nodeType":32,"data":5758,"content":5759},{},[5760],{"nodeType":36,"value":5761,"marks":5762,"data":5763},"Even if you don't want to regularly move money, it's worth checking at least annually (and more often if you can) that any existing savings are earning decent interest. We'll move easy-access accounts higher up on the Savings Hub page you'll see once you've finished these questions.",[],{},[5765],{"accountTypeKey":22,"value":24},{"title":5767,"isMultipleChoice":244,"buttonLabel":5637,"feedbackTitle":5768,"allowNone":244,"options":5769,"position":2568},"Are you aged 18 to 39 and have never owned a home?","💡 Your Savings Strategy - adding tip #4",[5770,5784],{"value":5287,"feedback":5771,"points":5781},{"data":5772,"content":5773,"nodeType":28},{},[5774],{"data":5775,"content":5776,"nodeType":32},{},[5777],{"data":5778,"marks":5779,"value":5780,"nodeType":36},{},[],"As you're a first-time buyer aged 18-39, you may be able to open a Lifetime ISA and get a 25% bonus on savings towards a home. Even if you're not saving to buy yet, it's worth opening one with £1 now, just in case. We'll move Lifetime ISA info to the top of your Savings Strategy.",[5782],{"accountTypeKey":3538,"value":5783},90,{"value":5374,"feedback":5785,"points":5795},{"nodeType":28,"data":5786,"content":5787},{},[5788],{"nodeType":32,"data":5789,"content":5790},{},[5791],{"nodeType":36,"value":5792,"marks":5793,"data":5794},"If you're not in this age bracket and\u002For you've owned a home, you're can't get a Lifetime ISA, a government-backed account giving you a 25% bonus on savings towards a first home. We've put this in accounts 'not likely to suit you' in the hub. If you own a home but are in the right age bracket, you can still open one for retirement, though a pension may be a better option. ",[],{},[5796],{"accountTypeKey":22,"value":5159},{"title":5798,"summary":5799,"image":648,"content":5800,"yesLabel":5809,"noLabel":5810},"Your Strategy is almost ready. Save your answers?","We can keep your strategy saved for next time you visit - you just need to login with your MSE Account (or create one) first",{"data":5801,"content":5802,"nodeType":28},{},[5803],{"data":5804,"content":5805,"nodeType":32},{},[5806],{"data":5807,"marks":5808,"value":5799,"nodeType":36},{},[],"Save my Strategy","Show my Strategy without saving",{"title":5812,"summary":5813,"buttonLabel":5814,"image":5815},"Your strategy has been saved","We've saved your Strategy - you can see it any time by logging in to your MSE Account on the web, or in the MSE App, and heading to the savings page.","See my strategy","\u002F\u002Fimages.ctfassets.net\u002Fx1xkqhj4w3lh\u002F1GbP2P9dbraGuZRV3hsR45\u002F6e2315d5bbf4782317c5d7351d583680\u002Fsaved_strategy.svg"]