Compare the best UK savings rates

Making your savings work harder

With interest rates where they are, the gap between the best and worst savings accounts is significant — leaving money in an account paying next to nothing is a costly habit. The right choice depends on when you will need the money. Easy-access accounts let you withdraw whenever you like and suit an emergency fund, though the rate can change. Fixed-rate bonds lock your money away for a set term in exchange for a higher, guaranteed rate. A cash ISA shelters your interest from tax up to your annual allowance, which matters more as rates rise. Regular savers reward a steady monthly habit with a high headline rate. All the accounts we list are covered by the FSCS up to £85,000 per person, per banking group. Rates shown are AER; variable rates can change, so it is worth reviewing your savings periodically.

Compare with confidence, then apply directly or request a callback and our team will help you choose.

What to check before you apply

• The representative APR or AER, not just the headline offer
• Any monthly, annual or transfer fees
• Eligibility criteria and whether a soft search is available
• How the product is protected (FSCS, Section 75)
• The provider’s own terms and conditions in full