Easy access
Santander savings accounts
Santander offers a broad range of savings accounts with interest rates up to 6%.
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.
1 of 1 result
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseCash ISAs
Table: sorted by interest rate
Santander's best cash ISA rate of 4.1% is slightly lower than today's market-best rate of 4.65%.
4 of 4 results
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseFixed-rate bonds
Table: sorted by interest rate
Santander's best fixed-rate bond rate of 3.6% is lower than today's market-best rate of 4.51%.
5 of 6 results
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseRegular 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 7.5%.
1 of 1 result
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseBusiness savings accounts
Table: sorted by interest rate
Santander's best business savings account rate of 3.69% is slightly lower than today's market-best rate of 4.55%.
Compare other products
We currently don't have that product, but here are others to consider:
How we picked these
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 | 3.6% |
| Best regular saver rate | 5% |
| Best business savings account rate | 3.69% |
| Fixed bond terms | 1 year - 3 years |
| Opening options | Branch, website, mobile app, post, telephone |
| FSCS protection |
Other popular accounts
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.
Santander and Finder Awards
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!
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.
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.
FREE interest rate alerts
Sign up to receive the latest deals, expert tips, and a chance to win £400! (T&Cs)
Error placeholder Click here to sign in
More resources on Finder
More guides on Finder
-
Raisin promo codes
New to Raisin? See if you can keep some more money in your pocket with our promo codes and special offers.
-
Which banks are cutting interest rates?
Which banks are passing on interest rate cuts to their customers? Discover the upcoming rate drops by banks and savings providers in our table.
-
Revolut savings review
Revolut now offers savings accounts to its customers, known as Savings Vaults. You can get interest of paid daily, but the rate depends on which level of account you have. Find out whether Savings Vaults are a good option for your spare cash.
-
Working from home statistics: How many people work from home?
Our research found that 41% of Brits work from home at least some of the time. We look at who is working from home and how commuting costs may impact working patterns.
-
What is the average savings interest rate in the UK?
High inflation could be making your savings accounts lose value in “real terms”. We look at historical savings versus inflation rates.
-
Savings statistics: Average UK savings in 2025
Our 2025 savings statistics show the average person in the UK has £16,067 in savings but 1 in 6 Brits (16%) have no savings at all.
-
Best savings accounts for December 2025
Find out more about the different types of savings accounts on offer.
-
How much money should I have in savings?
See how much money people your age have in savings, and learn how to boost your savings balance if it’s below average.
-
Compare savings accounts with compound interest
We look at the definition of compound interest, what it concretely means and how you can use it to grow your savings more quickly.
-
Compare high interest & high yield savings accounts
Kickstart your savings plan with a high interest savings account.