Santander savings accounts

Santander offers a broad range of savings accounts with interest rates up to 6%.

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Santander

No prizes for guessing which Spanish city was the birthplace of the bank Santander. Since its entry into the UK market in 2004, Banco Santander has acquired 3 former British building societies and formed the retail and commercial giant that stands today. Santander's top savings rate of 6% is available on its easy access account.

Easy access savings accounts

Table: sorted by interest rate
Santander's top easy access rate of 6% is the best currently on the market.
Product Account type Withdrawals Min. opening balance Rate Deposit protection Open via Incentive
Santander logo
Santander Santander Edge saver (Issue 3)
Variable Rate
Instant access
£1
6% AER variable (on balances up to £4,000) (includes a 2% bonus )
FSCS logo
protected
Open via: branch, website, mobile app. Existing customers only
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Cash ISAs

Table: sorted by interest rate
Santander's best cash ISA rate of 4.1% is lower than today's market-best rate of 5.44%.
4 of 4 results
Product Rate Minimum investment Interest paid Withdrawals Deposit protection Open via Incentive Table product description
Santander logo
Santander 1 Year Fixed Rate ISA
4% AER fixed for 1 year
£500
Annually
Instant access (charge applies )
FSCS logo
protected
Open via: branch, website, mobile app, telephone.
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Santander 2 Year Fixed Rate ISA
3.8% AER fixed for 2 years
£500
Annually
Instant access (charge applies )
FSCS logo
protected
Open via: branch, website, mobile app, telephone.
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Santander Inheritance ISA
2.85% AER variable
£1
Annually
Instant access
FSCS logo
protected
Open via: branch.
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Santander Easy Access ISA (Issue 25)
1.2% AER variable
£500
Annually
Instant access
FSCS logo
protected
Open via: branch, website, mobile app, telephone.
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Fixed-rate bonds

Table: sorted by interest rate
Santander's best fixed-rate bond rate of 4.15% is significantly lower than today's market-best rate of 7.5%.
5 of 6 results
Product Rate Invest Interest paid Withdrawals Open via Deposit protection Open via Incentive Table product description
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Santander 1 Year Fixed Term Saver
3.7% AER fixed for 1 year
From £500
Annually
Withdrawals not permitted
Branch, website, mobile app, telephone
FSCS logo
protected
Open via: branch, website, mobile app, telephone.
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Santander 1 Year Fixed Term Saver Monthly
3.7% AER fixed for 1 year
From £500
Monthly
Withdrawals not permitted
Branch, website, mobile app, telephone
FSCS logo
protected
Open via: branch, website, mobile app, telephone.
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Santander logo
Santander 2 Year Fixed Term Saver
3.65% AER fixed for 2 years
From £500
Annually
Withdrawals not permitted
Branch, website, mobile app, telephone
FSCS logo
protected
Open via: branch, website, mobile app, telephone.
Go to siteMore info
Santander logo
Santander 2 Year Fixed Term Saver Monthly
3.65% AER fixed for 2 years
From £500
Monthly
Withdrawals not permitted
Branch, website, mobile app, telephone
FSCS logo
protected
Open via: branch, website, mobile app, telephone.
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Santander logo
Santander 3 Year Fixed Term Saver Monthly
3.4% AER fixed for 3 years
From £500
Monthly
Withdrawals not permitted
Branch, website, mobile app, telephone
FSCS logo
protected
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Regular savings accounts

Table: sorted by interest rate
Santander's best regular savings account rate of 5% is significantly lower than today's market-best rate of 8%.
Product AER Save Withdrawal notice Interest paid Deposit protection Open via Incentive Table product description
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Business savings accounts

Table: sorted by interest rate
Santander's best business savings account rate of 4.15% is very slightly lower than today's market-best rate of 4.55%.
3 of 16 results
Product Interest rate Interest paid Open with Term Incentive Table product description
Santander logo
Santander Time Deposit Account - 12 Months
4.15% AER fixed
Maturity
From £50,000
1 year
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Santander Time Deposit Account - 9 Months
4% AER fixed
Maturity
From £50,000
274 days
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Santander Corporate Notice Account - 365 Day Notice
4% AER variable
Monthly
From £50,000
1 year notice
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What is Santander's best savings account with the highest interest rate?

The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.

Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Santander offers, plus the highest interest rate currently available.

Savings account types include Easy access, cash ISAs, fixed-rate bonds, regular savers, business
Best easy access rate 6%
Best cash ISA rate 4.1%
Best fixed-rate bond rate 4.15%
Best regular saver rate 5%
Best business savings account rate 4.15%
Fixed bond terms 1 year - 3 years
Opening options Branch, website, mobile app, post, telephone
FSCS protection

Didn’t find the account type you were looking for? Check our other guides:

How do I decide which account is for me?

Firstly, you need to decide what you’re looking for in a savings account. How often are you planning to withdraw your money? How much money can you afford to save each month?

Typically fixed-rate bonds give you better interest rates. So, if you’re looking to put away a lump sum to mature, then these might be what you’re looking for.

Easy-access or instant-access accounts, on the other hand, give customers more flexibility. So if you’re saving on a budget, or you’re trying to store up cash for a big spend in a few months time (a wedding perhaps), then these might be for you.

Work out what you need before comparing the different offers available for certain types of savings accounts. Once you’ve done that, it’s useful to look at:

  • Interest rates
  • Fees (if there are any)
  • Access to cash (if you need quick access, for instance)

Does Santander offer internet or mobile banking?

Yes. It offers both physical and digital banking services. You can open most of its savings accounts and ISAs by going online, on your mobile, or heading in branch.

However, you can’t manage all types of account online or in the app. Fixed-rate cash ISAs, for instance, are “view only” in online and mobile banking.

Santander customer reviews

In our independent 2025 customer satisfaction survey, 67% of Santander’s users said they’d recommend the brand to a friend.

The app has a rating of 4.8 out of 5 from more than 1.3 million reviews on the App Store. On Google Play, Santander has a score of 4.6 from more than 292,000 Android app users (updated April 2025).

What are the pros and cons of banking with Santander?

Pros

  • Online banking. Apply for its savings accounts online or in the app. You can manage many of its savings accounts on your phone or computer too.
  • Physical presence. There are more than 400 branches in the UK. If you’re unsure about opening a savings account, head to your local branch and get some advice.
  • Range of accounts. Whether you’re looking for instant access or longer term savings, Santander has a number of accounts to choose from.

Cons

  • Exclusive rates. You may have to switch your current account to Santander to get the most competitive rates.
  • ISA bonds can’t be managed online. You will have to manage them in branch or by phone instead.

Customer service information for Santander

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Our verdict

Whether you’re looking to save little and often or in big chunks, for yourself or for a child, Santander’s plethora of savings accounts means you shouldn’t have a problem finding one to suit. Just to be sure to check out the market’s current top offers first to see how Santander savings accounts weigh up against the competition in terms of benefits, rates and fees.

Santander and Finder Awards

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Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. Santander is one of these brands and was named our 2025 Premium Bank Account Provider of the Year Award winner!

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.

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Writer

Felix Thompson is a freelance writer at Finder. He covers everything from digital banking to car insurance and, whatever the topic, he aims to make it easy for consumers to get straight to the best deal. Felix has a postgraduate qualification in international journalism and is also a broadcast journalist. In his spare time, he loves to cycle. See full bio

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