Compare Savings Accounts in United Kingdom

Live offers across tracked providers in United Kingdom — updated daily from the Giraffy database.

Live offers

31 live offers compared from 31 providers, from 4% AER. Updated daily.

first direct Savings Account first direct

4% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.00% AER
  • Account Type: Easy Saver
  • Access / Term: Instant access
  • Balance Limits: Up to £25,000

Lloyds Easy Saver Lloyds Bank

4.25% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.25% AER
  • Account Type: Easy Saver
  • Access / Term: Instant access
  • Balance Limits: Up to £25,000

Ulster Bank Loyalty Saver Ulster Bank

4.30% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.30% AER
  • Account Type: Easy access
  • Access / Term: Instant access
  • Balance Limits: GBP 5,000 - 3,000,000

Chase Boosted Saver Chase

4.50% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.50% AER (incl. 12-month bonus)
  • Account Type: Easy access
  • Access / Term: Instant access
  • Balance Limits: GBP 1 - 3,000,000

TSB Easy Saver TSB

4.50% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.50% AER
  • Account Type: Easy Saver
  • Access / Term: Instant access
  • Balance Limits: Up to £25,000

Marcus 1-Year Fixed Saver Marcus

4.60% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.60% AER
  • Account Type: Fixed-rate bond
  • Access / Term: 1-year term (90-day penalty access)
  • Balance Limits: GBP 1 - 250,000

Tesco Easy Saver Tesco Bank

4.60% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.60% AER
  • Account Type: Easy Saver
  • Access / Term: Instant access
  • Balance Limits: Up to £250,000

Monzo Savings Pot Monzo

4.60% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.60% AER
  • Account Type: Savings Pot
  • Access / Term: Instant access
  • Balance Limits: Up to £85,000

Halifax Easy Saver Halifax

4.65% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.65% AER
  • Account Type: Easy Saver
  • Access / Term: Instant access
  • Balance Limits: No maximum

Trading 212 Cash Savings Trading 212

4.76% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.76% AER (incl. 12-month bonus)
  • Account Type: Easy access
  • Access / Term: Instant access
  • Balance Limits: See trading212.com

MBNA 1-Year Fixed Saver MBNA Limited

4.85% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.85% AER
  • Account Type: Fixed-rate bond
  • Access / Term: 1-year term
  • Balance Limits: GBP 1,000 - 750,000

Hodge 5-Year Bond Hodge Bank

4.86% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.86% AER
  • Account Type: Fixed-rate bond
  • Access / Term: 5-year term
  • Balance Limits: GBP 1,000 - 1,000,000

GB Bank 5-Year Bond GB Bank

4.87% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.87% AER
  • Account Type: Fixed-rate bond
  • Access / Term: 5-year term
  • Balance Limits: GBP 1,000 - 100,000

Oxbury 5-Year Bond Oxbury Bank

4.88% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 4.88% AER
  • Account Type: Fixed-rate bond
  • Access / Term: 5-year term
  • Balance Limits: GBP 1,000 - 500,000

LemFi Easy Access Saver LemFi

5% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 5.00% AER (incl. 6-month bonus)
  • Account Type: Easy access
  • Access / Term: Instant access
  • Balance Limits: See lemfi.com

Revolut Savings Revolut

5% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 5.00% AER (incl. 6-month bonus)
  • Account Type: Easy access
  • Access / Term: Instant access (3 withdrawals/yr)
  • Balance Limits: GBP 1 - 25,000

Cahoot Sunny Day Saver Cahoot

5% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 5.00% AER
  • Account Type: Easy access
  • Access / Term: Instant access
  • Balance Limits: Rate on first GBP 3,000

Nationwide Flex Saver Nationwide

5% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 5.00% AER
  • Account Type: Flex Saver
  • Access / Term: Instant access
  • Balance Limits: Up to £10,000

Chip Easy Access Saver Chip

5.01% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 5.01% AER (incl. bonus)
  • Account Type: Easy access
  • Access / Term: Instant access (3 withdrawals/yr)
  • Balance Limits: GBP 1 - 1,000,000

Virgin Money Boost Saver Virgin Money

5.02% AER

  • Tutela del deposito: FSCS — up to £85,000
  • Interest Rate: 5.02% AER
  • Account Type: Boost Saver
  • Access / Term: Instant access
  • Balance Limits: Up to £25,000

Aldermore Easy Access Saver Aldermore Bank

Price on request

NatWest Instant Saver NatWest

Price on request

Atom Bank Instant Saver Atom Bank

Price on request

Barclays Everyday Saver Barclays

Price on request

Santander Easy Access Saver Santander UK

Price on request

HSBC Flexible Saver HSBC UK

Price on request

Metro Bank Instant Savings Metro Bank

Price on request

Starling Bank Savings Space Starling Bank

Price on request

Zopa Smart Saver Zopa

Price on request

Shawbrook Bank Easy Saver Shawbrook Bank

Price on request

Kroo Savings Kroo

Price on request

What is a savings account in the UK?

A savings account holds your cash and pays interest, giving a safe home for money you may need at short notice or are setting aside for a goal. UK savings accounts range from easy-access accounts you can dip into any time, to notice accounts requiring advance warning of withdrawals, and regular savers that reward monthly deposits with higher rates.

Unlike investing, your capital does not fall in value, though inflation can erode its buying power if the interest rate is lower than the rate of price rises.

How the UK savings market works

Rates track the Bank of England base rate and competition for deposits. Challenger and app-based banks frequently offer the best easy-access rates to attract customers, while the big high-street banks often pay less on their standard accounts. Easy-access rates are variable and can change at any time, so the best-buy today may not lead tomorrow.

Tax matters: the Personal Savings Allowance lets basic-rate taxpayers earn £1,000 of interest tax-free each year (£500 for higher-rate), and a Cash ISA shelters interest from tax entirely up to the £20,000 annual ISA allowance.

Types of savings account

Easy access — withdraw any time; variable rate, ideal for an emergency fund.

Notice account — a slightly higher rate in exchange for giving notice before withdrawing.

Regular saver — top rates on small monthly deposits, often capped.

Cash ISA — tax-free interest within the annual ISA allowance.

Leading UK savings providers

Specialist and app-based banks lead the best-buy tables: Oxbury Bank, GB Bank, Hodge Bank, Aldermore Bank and Chip regularly feature near the top, while Revolut and LemFi bring fintech options. Established names such as NatWest offer familiar branch banking. Savings platforms and apps like Chip let you compare and open accounts from several banks under one login.

How to choose the right account

Balance access against rate: keep an emergency fund in easy access, and consider notice accounts or fixed bonds for money you can lock away. Check whether the headline rate includes a temporary bonus that drops after 12 months, watch withdrawal limits, and use your Cash ISA allowance if you are likely to breach the Personal Savings Allowance.

What it pays

Leading easy-access and fixed rates currently sit broadly in the region of 4% to 5.02%, with fixed-term products usually paying more than instant access. Because rates change often, reviewing your account periodically and moving stale savings to a market-leading rate can add up meaningfully over a year.

Protections and regulation

Banks and building societies are authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA). Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per banking licence. Since some brands share a licence, spreading larger balances across separate institutions keeps everything fully protected.

Common questions

Easy access or fixed? Keep short-term money in easy access; fix money you will not need for higher, guaranteed rates.

Will I pay tax on interest? Not up to your Personal Savings Allowance; a Cash ISA shelters interest entirely.

Are app banks safe? If FCA-authorised with FSCS cover, your eligible deposits are protected up to £85,000.

What is a bonus rate? Some easy-access accounts include a temporary introductory bonus that drops off after 12 months, so diarise a review to move if the rate falls.

Savings Accounts in United Kingdom — FAQ

What is the highest savings rate in United Kingdom right now?

Giraffy tracks 5 savings accounts across first direct,Lloyds Bank,Ulster Bank,Chase,TSB providers in United Kingdom. Sort by highest rate and filter by account type (easy access vs. fixed) to find the best deal for your timeline.

Is my money safe in a savings account?

Yes — the FSCS protects up to £85,000 per person, per banking licence. Always confirm your institution is FCA-regulated before depositing. If your balance exceeds the protection limit, spread funds across multiple separately-licensed banks.

What does AER mean on a savings account?

AER (Annual Equivalent Rate) is the standardised rate that accounts for how often interest is compounded over a year. It's the fairest number to compare across accounts — always compare like-for-like using AER rather than the gross or monthly rate.

What is the difference between easy access and fixed-rate savings?

Easy access accounts let you withdraw your money at any time — rates are variable and may change. Fixed-rate bonds or term deposits lock your money away for a set period (usually 1–5 years) at a guaranteed rate, which is typically higher. Choose fixed if you don't need the funds before the term ends.

Do I pay tax on savings interest?

Tax on savings interest varies by country and income level. In the UK, a Cash ISA lets you earn interest tax-free — the annual ISA allowance is £20,000. Check your country's tax authority guidance or speak to a financial adviser if your interest income is significant.

Can I open multiple savings accounts at different banks?

Yes — and it can be a smart strategy. Spreading savings across banks maximises your deposit protection (£85,000 under the FSCS per institution) and lets you earn the best rate at each bank. Just keep track of all accounts to avoid losing money to dormancy fees.

How quickly can I access my money in an easy access savings account?

Most easy access accounts transfer funds to a linked current account within one working day, and many process withdrawals the same day. Some accounts restrict the number of free withdrawals per month — check the terms before you open one if flexibility matters to you.