{"id":17053,"date":"2017-05-09T13:51:18","date_gmt":"2017-05-09T12:51:18","guid":{"rendered":"http:\/\/www.finder.com\/uk\/?page_id=17053"},"modified":"2026-03-12T15:04:21","modified_gmt":"2026-03-12T15:04:21","slug":"savings-accounts","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/savings-accounts","title":{"rendered":"Compare savings accounts"},"content":{"rendered":"<div id=\"signpost\" class=\"u-rounded--lg has-padding-small has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-1\/4@s u-1\/5@m text-center has-margin-top-xxsmall has-margin-bottom-xxsmall\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png\" alt=\"Savings apps\" style=\"width: 100%; max-width: 320px;\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/apps.png?fit=960 960w\" sizes=\"(max-width: 960px) 100vw, 960px\" loading=\"lazy\">\n<\/div>\n<div class=\"u-grid__col u-3\/4@s u-4\/5@l\">\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/4@l has-margin-top-xxsmall has-margin-bottom-xxsmall\">\n<div class=\"u-italic has-margin-bottom-xxsmall\" style=\"font-size:1.2em; line-height: 1.2; letter-spacing: -0.2px;\">Save smarter with a high-interest saving app<\/div>\n<p style=\"font-size: 16px; line-height: 22px;\">Open an account in less than 5 minutes, then track it from your phone. Plus explore a range of features like round-ups, auto-saving, pots, goals and more.<\/p><\/div> \n<div class=\"u-grid__col u-1\/4@l has-margin-top-xxsmall has-margin-bottom-xxsmall\">\n<a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-mobile-savings-apps\" class=\"luna-button luna-button--fluid luna-button--primary\">Explore apps<\/a>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n<div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"0MPhR77eII0\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/0MPhR77eII0\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/0MPhR77eII0\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/0MPhR77eII0\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">5:34<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-0MPhR77eII0\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n\n\n<p>There are <em>a lot<\/em> of savings accounts available out there, so to make the comparison a bit easier, you first want to decide which type of account is best for you. This will largely depend on whether you want ready access to your money, or whether you\u2019re comfortable tying up your cash for a length of time. <\/p><p>If you have never signed up to a savings account before and would like to know how, then we have a guide on <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/how-to-open-a-new-savings-account\">opening a new savings account<\/a>.<\/p><h3 id=\"whycompare\">Why should I compare savings accounts?<\/h3><p>Chances are that if you\u2019re on this page you know this already, but choosing the right savings account can make a significant difference for your finances. Using a top-paying savings account could leave you much better off than if you left your money in a lacklustre account. <\/p><p>There can be a big difference between top paying accounts and those at the bottom of the league table. The more you build up your savings, the more difference it\u2019ll make. Say you have \u00a32,500 set aside. With 1.5% annual interest, it\u2019ll earn you \u00a337.50 after a year. With 4% interest though, you\u2019ll get \u00a3100. The difference between a pub lunch for two at the local Spoons and a nice dinner in a fancy restaurant. Just saying.<\/p><p>The other important thing to keep in mind is that there are different types of savings accounts with different features that fit different saving profiles. Someone who has built up a large pot of savings might be able to afford tying up some of their cash for a year or two, whereas someone with a smaller pot of savings might be better off with an account that gives them immediate access to their money if they need it. <\/p><p>But you don\u2019t have to choose between one or the other because you could split your savings into multiple accounts, each with its own purpose.<\/p><p>So you should compare accounts, rates and features to find the <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-savings-accounts\">best savings account for you<\/a>. Learn more about the best <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-savings-accounts\">places and type of accounts<\/a> to save money.<\/p><h3>How do I compare savings accounts?<\/h3><p>Savings accounts aren\u2019t the most complicated products in the personal finance world, so the list of their most relevant features is fairly short:<\/p><ul><li><strong>Access.<\/strong> This is probably the first decision you need to make. Are you okay with your savings being locked away for a certain period of time? What if there\u2019s an emergency? There are <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">instant access savings accounts<\/a> where you can withdraw the money with no notice needed to be given to your bank or building society. Or there are <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-bonds\">fixed-rate savings accounts<\/a> where you can earn a higher interest rate but need to keep the money in the account for a fixed period of time. Then there are <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/notice-savings-accounts\">notice savings accounts<\/a>, that sit somewhere in the middle. You still get a decent interest rate but must give a set number of days\u2019 notice before accessing your money.<\/li><li><strong>Interest rate.<\/strong> This is one of the most important factors to consider. Just be aware that, depending on how much you can deposit into the account and when, higher interest rates don\u2019t always come with higher overall returns. You can browse <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/high-interest-savings-accounts\">savings accounts sorted by interest rate here.<\/a><\/li><li><strong>Minimum and maximum deposit.<\/strong> Some <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-savings-accounts\">top-paying savings accounts<\/a> either have a high minimum deposit (so most small savers can\u2019t get them) or a fairly low maximum deposit (great for small savers but you\u2019ll still need a different solution for the rest of your savings if you have more).<\/li><li><strong>Time limit\/introductory rate.<\/strong> Many savings accounts (particularly fixed rate bonds and regular savings accounts) expire after a certain period of time. Make sure you\u2019re aware of what happens to your savings next. Also, if you find a really great rate somewhere, chances are it will only last for one year or so. More on this <a href=\"#intro_rates\" class=\"scroll\">below<\/a>.<\/li><li><strong>Overall earnings.<\/strong> Okay, this isn\u2019t exactly a feature, but it\u2019s an easy way to compare deals when things get complicated. Think of how much money you want to put into your new account, figure out how much it\u2019ll earn you and compare different deals to find out which the most lucrative is.<\/li><\/ul><div class=\"eeQuote box u-rounded--lg source-finder type-expert\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 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<\/clippath>\n      <\/defs>\n    <\/svg>\n  <\/div>\n<\/div>\n                                    <\/div>\n\n        <div class=\"eeQuote__contentContainer \">\n            <div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Our expert says: How to safely switch your savings<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"It may seem a daunting task to switch savings accounts. But by not doing so, you could be losing out on hundreds \u2013 maybe even thousands \u2013 of pounds in interest each year.<\/p><p>When inflation is high, the value of your savings becomes less in real terms. Essentially, what you can buy with the money sitting in your savings account now, is less than what you could buy a year ago. That\u2019s why it\u2019s important to earn as much interest as you can to minimise the effect of inflation on your savings.<\/p><p>While there may not be a switching service like there is for current accounts, it\u2019s still easy to switch savings accounts. The first step is to compare the best rates available for your chosen type of savings account.<\/p><p>The next step is to check if the provider is protected by the Financial Services Compensation Scheme (FSCS). This means that your deposits are protected up to \u00a3120,000. So if the provider were to go bust, you could get your savings back. One thing to be aware of though, if you have multiple accounts with one banking group, these all contribute towards the \u00a3120,000 limit. You can check whether a provider has FSCS protection by looking for the logo in our comparison tables.<\/p><p>If you\u2019re worried about sending a large amount of money at once, you can start by sending a small amount \u2013 say \u00a31 \u2013 to check it arrives safely. Then you can transfer across your remaining savings balance. However, make sure to check your new savings account allows multiple deposits \u2013 some fixed-rate accounts won\u2019t allow you to make further additions.<\/p><p>Finally, if you\u2019re worried about not being able to access your savings, then it\u2019s probably best to go for an instant access or easy access account. You may get higher rates with a fixed-rate bond, but your money will be locked away for the duration of the term and you won\u2019t be able to access it.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                            <div class=\"eeQuote__authorInfo\">\n                                            <div class=\"eeQuote__authorPhoto--mobile\">\n                            <figure class=\"eeQuote__photo\">\n                                <img decoding=\"async\" alt=\"Kate Steere's headshot\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png\" class=\"avatar avatar-200 photo finder-avatar\" height=\"200\" width=\"200\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/2025\/11\/KateSteereF1_Finder_600x600.png?fit=360 360w, 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                                   <\/div>\n                                        <div class=\"eeQuote__authorDetails\">\n                                                    <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/katesteere\" itemprop=\"url\" target=\"_blank\">\n                                Kate Steere\n                            <\/a>\n                                                                            <div class=\"eeQuote__authorTitle\">Editor<\/div>\n                                            <\/div>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/div>\n<div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">Be first to know about new deals<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, tips and a chance to <strong>win \u00a3400!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fpages%2F17053\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>\n\n<h3>An overview of our savings comparison<\/h3>\n\n\n\n\n\n\n\n\n\n\n<table class=\"i_infobox product_infobox\">\n<tbody>\n<tr>\n<th>Savings account types include<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nEasy access, cash ISAs, fixed-rate bonds, notice accounts, regular savers\n<\/td>\n<\/tr>\n<tr>\n<th>Number of accounts<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n2350\n<\/td>\n<\/tr>\n<tr>\n<th>Opening options<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\nBranch, website, mobile app, post, telephone\n<\/td>\n<\/tr>\n<tr>\n<th>Best easy access rate<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n8%\n<\/td>\n<\/tr>\n<tr>\n<th>Best cash ISA rate<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.65%\n<\/td>\n<\/tr>\n<tr>\n<th>Fixed cash ISA terms<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n  3 months - 7 years <\/td>\n<\/tr>\n<tr>\n<th>Best fixed-rate bond rate<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.75%\n<\/td>\n<\/tr>\n<tr>\n<th>Fixed bond terms<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n  1 month - 7 years <\/td>\n<\/tr>\n<tr>\n<th>Best notice account rate<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n4.26%\n<\/td>\n<\/tr>\n<tr>\n<th>Notice account periods available<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n days - 195 days\n<\/td>\n<\/tr>\n<tr>\n<th>Best regular saver rate<\/th>\n<td class=\"i_infobox_data product_infobox_data\">\n7.5%\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><h3>Savings accounts vs inflation<\/h3><p>If you read personal finance news, you may have previously heard about savings accounts that \u201cbeat\u201d inflation.<\/p><p>That\u2019s because if you keep your savings in an account that pays less than the inflation rate, your money will be worth less and less every year. Inflation causes goods to become increasingly more expensive, which means that, with the same amount of money, you can buy less.<\/p><p>If you stash your savings under the mattress long enough, they\u2019ll lose most of their value \u2013 just ask your grandmother how much it was for a loaf of bread 50 years ago.<\/p><p>An interest-paying savings account can partially prevent that, but unless the rate beats inflation, you\u2019re still losing purchasing power and, by extension, money, even if it may not look like it.<\/p><h3>Setting up a savings strategy<\/h3><p>Avoiding spending is certainly the hardest part of saving, but deciding where to keep the money you\u2019ve industriously put aside isn\u2019t all fun and games either. Here\u2019s some advice on how to approach the problem:<\/p><ul><li><strong>Pick your current account first.<\/strong> <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/high-interest-current-account\"> High-interest current accounts<\/a> aren\u2019t common, and good rates are typically only available for short periods of time. Still, if you can bag a decent one, you should. Introductory rates are sometimes really great and you\u2019ll always get access to your money.<\/li><li><strong>Emergency-proof your strategy.<\/strong> Whether you keep it in a current account or in an easy access savings account, make sure that if something happens, you\u2019ve got a decent sum immediately available to take care of emergencies. Learn more about <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/emergency-fund\">budgeting and saving in an emergency.<\/a><\/li><li><strong>Set up a regular saver for your monthly savings.<\/strong> <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-regular-savings-accounts\">Regular savings accounts<\/a> tend to offer great rates, so if you save part of your income every month, you should open one. You can set up a standing order and forget about it, which will also eliminate the temptation of spending the money. However, be careful, because many regular savings accounts don\u2019t allow you to withdraw your money once you\u2019ve deposited it. They also only tend to last a year, after which point you will need to move your cash elsewhere.<\/li><li><strong>Plan for the long term too.<\/strong> After the first year or two of saving regularly, you\u2019ll have enough to start thinking about your medium to long term strategy. You have many different options that mostly depend on what you\u2019re planning to do with the money. For example, if you know for sure you either want to buy a house or save for retirement, a <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-lifetime-isa\">lifetime ISA<\/a> offers good returns thanks to government contributions. Alternatively, if you\u2019d like to keep your options more open, you may want to consider a fixed rate bond.<\/li><li><strong>Investing is an option.<\/strong> Investing your savings is way riskier than depositing them in a savings account and it isn\u2019t for everyone. However, it\u2019s also become much easier than it used to be, even for complete beginners. If it\u2019s something you may want to consider at some point, you can read our guides on <a href=\"https:\/\/www.finder.com\/uk\/share-trading\">share trading<\/a> and on <a href=\"https:\/\/www.finder.com\/uk\/stocks-and-shares-isas\">stocks and shares ISAs<\/a>.<\/li><\/ul><h3 id=\"intro_rates\">What are introductory bonus rates?<\/h3><p>Something to look out for when browsing savings accounts is high interest rates for new customers, often referred to as \u201cintroductory bonus rates\u201d. While this is definitely an alluring feature, remember that when the introductory period is up you\u2019re likely to be left with a significantly lower interest rate. Because of this, it may be a good idea to keep your account open while you qualify for the introductory rate, before switching to an account with a better rate once the introductory period is finished.<\/p><p>If you decide to go with an account offering an introductory bonus rate, make sure you\u2019re clear on the terms so you don\u2019t end up losing the rate. For example, if you withdraw money before the end of the introductory period the introductory rate may be withdrawn.<\/p><h3 id=\"taxes\">Are savings taxed?<\/h3><p>A taxpayer who pays the basic rate of income tax can earn up to a maximum of \u00a31,000 from interest payments on a savings account without paying tax, while a higher rate taxpayer can earn up to \u00a3500 before paying tax. This is what\u2019s known as the Personal Savings Allowance. Additional rate taxpayers don\u2019t get an allowance at all.<\/p><p>The Personal Savings Allowance is in addition to money earned from <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/cash-isas\">an ISA account<\/a>, which is all tax-free.<\/p><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"MZ_MqfhNMuY\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/MZ_MqfhNMuY\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/MZ_MqfhNMuY\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/MZ_MqfhNMuY\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">4:18<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-MZ_MqfhNMuY\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3>What is the FSCS?<\/h3><p>Short for <strong>Financial Services Compensation Scheme<\/strong>, the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">FSCS<\/a> protects customers when financial services fail. Look out for its logo on the financial products you\u2019re comparing. If your money is in a bank \u2013 an institution that holds a banking licence \u2013 then up to \u00a3120,000 is protected by the scheme if the bank goes bust. However, if you had more than \u00a3120,000 across two banks in the same group \u2013 such as HSBC and First Direct \u2013 then only \u00a3120,000 is protected. Find out more about <a href=\"https:\/\/www.finder.com\/uk\/the-safest-bank-in-the-uk#banking-brands\">banking brands that share the same FSCS protection.<\/a><\/p><p>Since 2001, the FSCS has helped millions of UK customers, paying out billions of pounds. If a firm has stopped trading or does not have enough assets to pay up, the FSCS will step in.<\/p><h3 id=\"customersatisfaction\">Best banks for savings customer satisfaction in 2026<\/h3><p>We asked the account holders of savings providers featured in this table whether they\u2019d recommend it to a friend and we\u2019ve ordered the table by the percentage score. Our independent survey was carried out in February 2026. You can <a href=\"https:\/\/www.finder.com\/uk\/finderawards\/savings-customer-satisfaction-awards\">learn more about the research here<\/a>.<\/p><table class=\"luna-table customer-satisfaction\" id=\"customer-satisfaction\"><thead class=\"luna-table__header\"><tr><th scope=\"col\" class=\"u-1\/5@s\">Brand<\/th><th scope=\"col\">Customers who\u2019d recommend<\/th><th scope=\"col\" class=\"is-hidden is-visible@m\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\" data-brand=\"lloyds\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/lloyds-savings-accounts\">Lloyds Bank<\/a><\/th><td>97%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/lloyds-savings-accounts\">Lloyds Bank<\/a> is described as a reliable and secure provider for savings. Reviewers highlight the ease of setup and the convenience of its internet banking.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"nationwide\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/nationwide-savings-accounts\">Nationwide<\/a><\/th><td>97%<\/td><td>Highly regarded for its ethical approach, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/nationwide-savings-accounts\">Nationwide<\/a> offers a wide range of reliable products. Customers value the secure app and the brand\u2019s professional service.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"plum\"><a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/plum-savings-review\">Plum<\/a><\/th><td>97%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/plum-savings-review\">Plum<\/a> is praised for its automatic saving features and user-friendly app. Customers find the platform an effective and straightforward way to manage their money.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"rcibank\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/rci-savings-accounts\">RCI Bank<\/a><\/th><td>97%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/rci-savings-accounts\">RCI Bank<\/a> is recommended for its competitive interest rates and clear notifications. Reviewers find the platform simple to use and the service very responsive.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"aldermore\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/aldermore-savings-accounts\">Aldermore<\/a><\/th><td>93%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/aldermore-savings-accounts\">Aldermore<\/a> is praised for its high, competitive interest rates. Customers also value the straightforward account management and helpful customer service.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"ybs\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/yorkshire-building-society-savings-accounts\">Yorkshire Building Society<\/a><\/th><td>93%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/yorkshire-building-society-savings-accounts\">Yorkshire Building Society<\/a> is highly regarded for its market-leading interest rates and secure service. Customers value the professional staff and clear communication.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"moneybox\"><a href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/moneybox\">Moneybox<\/a><\/th><td>93%<\/td><td>Reviewers highly recommend the <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/moneybox\">Moneybox<\/a> app for its ease of use and helpful trackers. The platform is noted for providing competitive rates across different products.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"fordmoney\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/ford-money-savings-accounts\">Ford Money<\/a><\/th><td>93%<\/td><td>Known for competitive rates and secure online banking, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/ford-money-savings-accounts\">Ford Money<\/a> is highly trusted. Customers often mention its reliable service and efficient account management.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"atombank\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/atom-bank-savings-accounts\">Atom Bank<\/a><\/th><td>93%<\/td><td>Customers love <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/atom-bank-savings-accounts\">Atom Bank<\/a> for its competitive rates and stress-free, easy-to-use app. The setup process is consistently described as quick and simple.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"marcus\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/marcus-savings-accounts\">Marcus<\/a><\/th><td>90%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/marcus-savings-accounts\">Marcus<\/a> by Goldman Sachs is frequently commended for its competitive interest rates and reliable app. Users appreciate the simplicity of the account setup and transfers.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"hsbc\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/hsbc-savings-accounts\">HSBC<\/a><\/th><td>90%<\/td><td>Customers value <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/hsbc-savings-accounts\">HSBC<\/a> for being a safe and stable place for their savings. Reviews consistently mention the helpful staff and the bank\u2019s reliable service.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"starling\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/starling-bank-savings-accounts\">Starling Bank<\/a><\/th><td>90%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/starling-bank-savings-accounts\">Starling Bank<\/a> is noted for its organised approach and ease of use. Customers value how simple it is to link savings to their current accounts.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"shawbrook\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/shawbrook-savings-accounts\">Shawbrook<\/a><\/th><td>90%<\/td><td>Consistently praised for competitive interest rates, <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/shawbrook-savings-accounts\">Shawbrook<\/a> provides an easy-to-navigate website. Reviewers also appreciate the clear updates and the simple account maturity process.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"leeds\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/leeds-building-society-savings-accounts\">Leeds Building Society<\/a><\/th><td>87%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/leeds-building-society-savings-accounts\">Leeds Building Society<\/a> is commended for its competitive interest rates and helpful customer service. Users also find the website straightforward and easy to navigate.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"chip\"><a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/chip-app-review\">Chip<\/a><\/th><td>87%<\/td><td>The <a href=\"https:\/\/www.finder.com\/uk\/digital-banking\/chip-app-review\">Chip<\/a> app is frequently described as a great tool for saving with competitive interest rates. Users also appreciate the simple setup and secure experience.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"zopa\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/zopa-savings-accounts\">Zopa<\/a><\/th><td>87%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/zopa-savings-accounts\">Zopa<\/a> earns praise for its competitive interest rates and user-friendly mobile app. Customers appreciate the flexibility to access their funds easily when required.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"monument\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/monument-savings-accounts\">Monument<\/a><\/th><td>87%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/monument-savings-accounts\">Monument<\/a> is valued for its impressive app and competitive interest rates. Reviewers frequently describe the brand as reliable and its customer service as efficient.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"barclays\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/barclays-savings-accounts\">Barclays<\/a><\/th><td>83%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/barclays-savings-accounts\">Barclays<\/a> offers a wide variety of easily accessible savings accounts. Savers highlight the brand\u2019s excellent reputation and the quality of its mobile app.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"natwest\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/natwest-savings-accounts\">NatWest<\/a><\/th><td>83%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/natwest-savings-accounts\">NatWest<\/a> provides a reliable experience with an app that makes managing savings simple. Reviewers appreciate the helpful updates and the brand\u2019s trustworthy reputation.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"virginmoney\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/virgin-money-savings-accounts\">Virgin Money<\/a><\/th><td>83%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/virgin-money-savings-accounts\">Virgin Money<\/a> is frequently cited as a safe and secure bank with competitive rates. Savers appreciate the instant access and the brand\u2019s straightforward approach.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"santander\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/santander-savings-accounts\">Santander<\/a><\/th><td>80%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/santander-savings-accounts\">Santander<\/a> is described as a reliable brand with a straightforward, easy-to-use app. Many customers value the helpful service and the variety of savings options.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"halifax\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/halifax-savings-accounts\">Halifax<\/a><\/th><td>80%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/halifax-savings-accounts\">Halifax<\/a> is valued for its easy-to-use platform and specific savings products for children. Many long-term customers appreciate the brand\u2019s reliability and straightforward transfers.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"postoffice\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/post-office-savings-accounts\">Post Office<\/a><\/th><td>80%<\/td><td>Straightforward and helpful, the <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/post-office-savings-accounts\">Post Office<\/a> offers easily accessible savings products. Long-term customers appreciate the reliable service and the ability to manage accounts.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"chase\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/chase-saver-account-review\">Chase<\/a><\/th><td>77%<\/td><td>Users find <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/chase-saver-account-review\">Chase<\/a> provides excellent instant access rates and helpful customer service. The app makes managing different savings pots simple and efficient.<\/td><\/tr><tr><th scope=\"row\" data-brand=\"tsb\"><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/tsb-savings-accounts\">TSB<\/a><\/th><td>77%<\/td><td><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/tsb-savings-accounts\">TSB<\/a> is valued for its helpful customer service and easy-to-navigate mobile app. Customers find the brand a reliable and trustworthy choice for their savings.<\/td><\/tr><\/tbody><\/table><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Customer satisfaction scores methodology<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">We asked people who\u2019d used a savings account provider within the previous 12 months to rate their satisfaction with the service they received and whether they\u2019d recommend the provider to a friend. Our independent survey of 750 savings customers was carried out in February 2026.<p>We have shown the percentage recommended score in the table above and used these ratings to decide the winners of our awards. Where there was a draw on the \u201cwould recommend percentage\u201d, we used the overall rating out of 5 as a tie-breaker.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><h3>Which factors are most important in a savings account?<\/h3><p>As part of our <a href=\"https:\/\/www.finder.com\/uk\/finderawards\/savings-customer-satisfaction-awards\">customer satisfaction survey<\/a>, we received feedback from customers on the elements they value most in a savings provider. Below, you can see the results of this analysis, highlighting the most important factors when you\u2019re looking for the best savings account. Learn more about our <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/methodology-for-savings-account-ratings\">methodology for rating savings accounts<\/a><\/p><table class=\"luna-table has-margin-bottom-large\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Ranking<\/th><th scope=\"col\">Savings accounts factor<\/th><th scope=\"col\">% of customers it\u2019s a priority for<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">1<\/th><td>Interest rates<\/td><td>47.1%<\/td><\/tr><tr><th scope=\"row\">2<\/th><td>Ease of use and accessibility<\/td><td>16.4%<\/td><\/tr><tr><th scope=\"row\">3<\/th><td>Customer service and support<\/td><td>12.4%<\/td><\/tr><tr><th scope=\"row\">4<\/th><td>App quality and digital technology<\/td><td>6.9%<\/td><\/tr><tr><th scope=\"row\">5<\/th><td>Trust and transparency<\/td><td>4.6%<\/td><\/tr><tr><th scope=\"row\">6<\/th><td>Access to branches and in-person services<\/td><td>3.5%<\/td><\/tr><tr><th scope=\"row\">7<\/th><td>Access and withdrawal flexibility<\/td><td>3.1%<\/td><\/tr><tr><th scope=\"row\">8<\/th><td>Bonus rates and offers<\/td><td>3.1%<\/td><\/tr><tr><th scope=\"row\">9<\/th><td>Speed and efficiency<\/td><td>1.7%<\/td><\/tr><tr><th scope=\"row\">10<\/th><td>Fees and charges<\/td><td>1.5%<\/td><\/tr><\/tbody><\/table><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">What is a savings account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As the name suggests, a savings account is a bank account that\u2019s designed to hold your savings. Unlike with a <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\">current account<\/a>, you don\u2019t get a debit card and you won\u2019t be able to receive your salary in it or set up direct debits or standing orders. Instead, you can only withdraw or deposit money in it. In exchange for keeping your savings there, you\u2019ll earn an interest rate.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Who can open a savings account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Usually, anyone who is 18 or older, lives in the UK and can meet the required minimum deposit (which can be as low as \u00a31). Children\u2019s savings accounts are also available, but a legal guardian will usually have to be the person opening it.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">How do I open a savings account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You can normally do it online, through your mobile app or in person at your bank\u2019s branch. It\u2019s usually a very quick process, but depending on whether you already have an account with the same bank, you may need an ID and a proof of address.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">How do I close a savings account?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends. Some savings accounts can be closed online \u2013 this is more likely if the interest is paid monthly and the account is easy access. If you\u2019re trying to close a regular saver or a fixed term account early instead, you may have to go to a branch or contact the bank\u2019s customer service.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Can I switch savings accounts? What happens if I do?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>You most certainly can, but if you\u2019re thinking about an automatic service like the one you get for current accounts (the so-called Current Account Switch Service, CASS), you\u2019re out of luck. You\u2019ll need to do it manually: open your new account, move your savings, close your old account.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Should I switch savings accounts?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>If you find a better deal, go for it! That\u2019s what the cool comparison table at the top of the page is for. However, you want to be very aware of your current savings account\u2019s terms and conditions. With some savings accounts (particularly fixed rate bonds and regular savers), you won\u2019t be able to get out of your current deal until it expires without paying a fee. <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">Easy access accounts<\/a> tend to have fewer strings attached.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Can I add someone to my savings accounts?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, you can usually turn your personal savings account into a <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-joint-savings-accounts\">joint savings account<\/a>. You may have to pop into a branch or give your bank a call though.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">What is AER?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It stands for annual equivalent rate. It tells you how much a particular savings account will pay you in interest if you deposit your money in it and leave it there for one year. The long version of the story is in <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/what-is-annual-equivalent-rate-aer\">this guide<\/a>.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">What is simple and compound interest?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Compound interest is when you earn interest on your interest. For example, say you have \u00a31,000 in a savings account that pays a 5% interest rate. If the interest is paid yearly, at the end of the year you\u2019ll have \u00a31,050. However, if the interest is paid monthly, at the end of the year you\u2019ll have \u00a31,051.16 because your balance would have grown a bit every month. The AER of the first account (paying annual interest) will be slightly lower than the AER of the second account (paying monthly interest), because the AER takes compound interest into account. Visit our guide on <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/savings-account-compound-interest\">savings accounts and compound interest<\/a> for more information.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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.<\/div><\/article><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><div class=\"newsletter-wrapper\"><\/div>\n<div class=\"newsletter-signup sticky-mode theme-green\" data-accountcreateflow=\"newsletter\" data-displaydelay=\"0\" data-showformembers=\"1\">\n    <div class=\"signup-grid\">\n                                <div class=\"signup-image\">\n                <img decoding=\"async\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png\" alt=\"newsletter-image\" class=\"signup-image-img\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\">\n            <\/div>\n                        <div class=\"signup-content\">\n                <div class=\"signup-content-left\">\n                    <h2 class=\"signup-header\">FREE interest rate alerts<\/h2>\n                                        <p class=\"signup-text\">Sign up to receive the latest deals, expert tips, and a chance to <strong>win \u00a3400!<\/strong> (T&amp;Cs)\n                                            <\/p>\n                                    <\/div>\n                <div class=\"signup-content-right\">\n                    <div class=\"form\">\n                        <div class=\"email-group \">\n                            <label for=\"email-default\" class=\"sr-only\">Email address:<\/label>\n                            <input class=\"email-input\" id=\"email-default\" type=\"email\" placeholder=\"Enter your email\" name=\"email\" data-prefill=\"me.notes.createAccountEmail\">\n                            <button class=\"email-btn\">\n                                <span class=\"btn-text\">Sign up<\/span>\n                                <span class=\"loading-spinner\"><\/span>\n                            <\/button>\n                        <\/div>\n                        <p class=\"error-msg\"><span class=\"error-msg-text\">Error placeholder<\/span> <span class=\"error-msg-sign-in\"> Click <a class=\"error-msg-sign-in-link\" href=\"https:\/\/www.finder.com\/uk\/user-profile\/sign-in?returnTo=https%3A%2F%2Fwww.finder.com%2Fuk%2Fuk%2Fwp-json%2Fwp%2Fv2%2Fpages%2F17053\">here<\/a> to sign in<\/span><\/p>\n                    <\/div>\n                    <div class=\"links\">\n                                                    <a href=\"https:\/\/finder.com\/uk\/about-us\/competition-winners\">Winners<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\">Emails<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\">Unsubscribe<\/a> |                                                    <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">Privacy<\/a>                                             <\/div>\n                <\/div>\n            <\/div>\n                <div class=\"hide-btn\">\n            Hide\n            <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\">\n                <use xlink:href=\"#chevron-down\"><\/use>\n            <\/svg>\n        <\/div>\n    <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Compare UK banks and building societies and find the right savings account for you. <\/p>\n","protected":false},"author":645,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"page-nb-table-with-filters.php","meta":{"footnotes":""},"tags":[],"class_list":["post-17053","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare savings accounts: 8% easy access or up to 4.75% fixed<\/title>\n<meta name=\"description\" content=\"Finding a savings account can be a challenge. That&#039;s where our comparison table comes in! Compare easy access, fixed rate and cash ISAs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/savings-accounts\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare savings accounts\" \/>\n<meta property=\"og:description\" content=\"Finding a savings account can be a challenge. That&#039;s where our comparison table comes in! Compare easy access, fixed rate and cash ISAs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/savings-accounts\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"20 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\",\"url\":\"https:\/\/www.finder.com\/uk\/savings-accounts\",\"name\":\"Compare savings accounts: 8% easy access or up to 4.75% fixed\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"datePublished\":\"2017-05-09T12:51:18+00:00\",\"dateModified\":\"2026-03-12T14:46:54+00:00\",\"description\":\"Finding a savings account can be a challenge. 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We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/8aa9cc3fb9ab93012cd783e75ad2728a\",\"name\":\"Katherine Denham\",\"description\":\"Katherine Denham is a freelance journalist, writer and consumer champion, specialising in personal finance. She has written for The Times since 2019. She also has bylines in The Sunday Times, Times Money Mentor, City A.M. and a number of financial trade publications. When she\u2019s not working she can be found hiking and drawing pictures of her tortoise.\",\"jobTitle\":\"Writer\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/katherinedenham\",\"sameAs\":[\"https:\/\/twitter.com\/katjdenham\",\"https:\/\/www.linkedin.com\/in\/katherine-denham-a293baaa\/\",\"https:\/\/www.thetimes.co.uk\/profile\/katherine-denham?page=1\",\"https:\/\/www.thetimes.co.uk\/money-mentor\/author\/katherine-denham\/\",\"https:\/\/muckrack.com\/katjdenham\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Banking\"},{\"@type\":\"Thing\",\"name\":\"Savings\"},{\"@type\":\"Thing\",\"name\":\"Pensions\"},{\"@type\":\"Thing\",\"name\":\"Mortgages\"},{\"@type\":\"Thing\",\"name\":\"Investing\"},{\"@type\":\"Thing\",\"name\":\"Insurance\"},{\"@type\":\"Thing\",\"name\":\"Consumer rights\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/8aa9cc3fb9ab93012cd783e75ad2728a\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/KatherineDenhamF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/KatherineDenhamF1_Finder_600x600.png\",\"caption\":\"Katherine Denham\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#comment-14809\",\"author\":{\"@type\":\"Person\",\"name\":\"Neil\"},\"text\":\"Hi there!\\nIs it possible to track down a 45-year-old National Savings Bank Ordinary account? I\u2019ve found the original deposit\/ demand book!\\nI\u2019m not sure if it still has a deposit within?\",\"datePublished\":\"2019-05-05 21:20:36\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#comment-5739\",\"author\":{\"@type\":\"Person\",\"name\":\"Philip\"},\"text\":\"Hi I am looking for a trustworthy bank in UK  or abroad to deposit \u00a3350,000 approximately - can you recommend any and what sort of interest I can expect for such a large amount? NB I am planning to retire in the Philppines so will need access to my money easily.\",\"datePublished\":\"2018-08-30 14:51:37\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#comment-2005\",\"author\":{\"@type\":\"Person\",\"name\":\"Hana\"},\"text\":\"Hi I\u2019ll like to open saving account. How do I apply please\\r\\nThanks\\r\\n\\r\\nReply\",\"datePublished\":\"2017-10-09 12:56:27\"},{\"@type\":\"Comment\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#comment-1371\",\"author\":{\"@type\":\"Person\",\"name\":\"Bobcharters\"},\"text\":\"I have \u00a3150000 to invest as a lump sum. What interest rate might I expect\\r\\nAnd what might it earn and would it be compounded pa\\r\\nThank you\",\"datePublished\":\"2017-07-25 09:56:23\"},{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\"},\"author\":{\"name\":\"Matthew Boyle\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/52bc07212c35752f0a3345e22921fe37\"},\"headline\":\"Compare savings accounts\",\"datePublished\":\"2017-05-09T12:51:18+00:00\",\"dateModified\":\"2026-03-12T14:46:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts\"},\"wordCount\":4152,\"commentCount\":4,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/savings-accounts#respond\"]}],\"comment\":[{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#comment-14809\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#comment-5739\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#comment-2005\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/savings-accounts#comment-1371\"}],\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Financial Services Compensation Scheme\",\"url\":\"https:\/\/www.fscs.org.uk\/\"},{\"@type\":\"CreativeWork\",\"name\":\"Office for National Statistics \u2013 Inflation and price indices\",\"url\":\"https:\/\/www.ons.gov.uk\/economy\/inflationandpriceindices\"},{\"@type\":\"CreativeWork\",\"name\":\"Bank of England \u2013 Interest rates and bank rate\",\"url\":\"https:\/\/www.bankofengland.co.uk\/monetary-policy\/the-interest-rate-bank-rate\"}],\"contributor\":[{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/1fe38023a7ec83d898420da91201d4df\"}]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/52bc07212c35752f0a3345e22921fe37\",\"name\":\"Matthew Boyle\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MattBoyleF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/MattBoyleF1_Finder_600x600.png\",\"caption\":\"Matthew Boyle\"},\"description\":\"Matthew Boyle is a banking and mortgages publisher at Finder. 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I\u2019ve found the original deposit\/ demand book!\nI\u2019m not sure if it still has a deposit within?","datePublished":"2019-05-05 21:20:36"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/savings-accounts#comment-5739","author":{"@type":"Person","name":"Philip"},"text":"Hi I am looking for a trustworthy bank in UK  or abroad to deposit \u00a3350,000 approximately - can you recommend any and what sort of interest I can expect for such a large amount? NB I am planning to retire in the Philppines so will need access to my money easily.","datePublished":"2018-08-30 14:51:37"},{"@type":"Comment","@id":"https:\/\/www.finder.com\/uk\/savings-accounts#comment-2005","author":{"@type":"Person","name":"Hana"},"text":"Hi I\u2019ll like to open saving account. 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