Easy access
Santander savings accounts
Santander offers a broad range of savings accounts with interest rates up to 8%.
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 8% is available on its regular savings 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.
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How we picked theseCash ISAs
Table: sorted by interest rate
Santander's best cash ISA rate of 4.65% is slightly lower than today's market-best rate of 5.25%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
Santander's best fixed-rate bond rate of 4.4% is slightly lower than today's market-best rate of 5.25%.
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How we picked theseRegular savings accounts
Table: sorted by interest rate
Santander's top regular savings account rate of 8% is the best currently on the market.
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How we picked theseBusiness savings accounts
Table: sorted by interest rate
Santander's best business savings account rate of 3.5% is lower than today's market-best rate of 4.87%.
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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 | 4.65% |
| Best fixed-rate bond rate | 4.4% |
| Best regular saver rate | 8% |
| Best business savings account rate | 3.5% |
| Fixed bond terms | 1 year - 3 years |
| Opening options | Branch, website, mobile app, post, telephone |
| FSCS protection |
Other popular accounts
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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.
What do customers say about Santander?
80% of customers we surveyed in 2026 would recommend Santander to a friend.
It provides a solid, efficient savings account that meets the basic needs of its loyal customer base. Users praise the helpful staff, excellent chat function, and the ease of setting up accounts.
However, many customers feel there are not enough added benefits, and recent reductions in savings interest rates mean they often have to actively hunt for better rates or rely on their current accounts for better returns.
AI-generated summary from the text of customer reviews on Finder.
Santander and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field. Santander was named our 2025 Premium Bank Account Provider of the Year Award winner!
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 300 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.
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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