Never opened an account with anyone but your bank? They are counting on it.

An account you have held for years can pay far less than a newer one, and nobody rings to say so. On £9,900 at 1.00%, the gap to the highest easy-access rate in our example is £348 a year. Type in what you hold and see yours in two minutes.

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An example4.52%Highest easy access we track, on £9,900
What your money could earn£348 a yearEveryday saver could earn more
An example

The highest easy-access rate in our example: 4.52%

If yours is 1.00%, that’s £348 a year on £9,900. We compare the savings rates of UK banks and building societies and show the gap in pounds.

An example figure: we could not check live rates just now. Check any rate on the bank’s own page before you open anything.

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One savings account could earn more.Your Everyday saver could earn £348 more a year.

Loyalty has a price. Here it is.

£338bnsits in over 51 million UK savings accounts earning 1.5% or less.Paragon Bank, reported by Which?, 23 August 2026
29%of Which? members told us “they haven’t switched savings accounts since 2021”.Which? survey of 1,096 Which? Connect panel members, June 2026; “The cost of savings loyalty”, 23 August 2026
34%of UK savers never compare their rate with what else is available.Building Societies Association / Opinium, September 2023
£252bnsits in bank and building society accounts paying no interest at all.FCA cash savings update, figures to June 2024
£348a year: the gap on £9,900 between 1.00% and 4.52%.Blooom, the example household, our example

Every figure carries its source and date.

Why the loyal lose

None of it is your fault. All of it is by design.

The bonus that quietly ends

A new account opens at a good rate with a bonus that falls away after a year. Nobody rings to say so. Blooom remembers the date and says what the drop costs.

The letter nobody reads

A rate cut arrives as a letter or a notification and joins the pile. Blooom shows you the gap in pounds.

Another bank feels like a risk

It is not. The FSCS protects £120,000 per person at each banking licence, so money at a bank on a separate licence has its own limit. Opening an easy-access account takes about ten minutes, and your old one stays open for bills.

Three steps, ten minutes, once

Then Blooom compares it for you.

Find your rateIt is on your statement or in your banking app, usually as AER. If you cannot find it, tell Blooom you do not know it and we show the market instead.
Type it inYour balance and your rate. What it could earn appears: the highest easy access, fix and cash ISA the money could sit in, with the pounds a year, and the working shown.
Open the account, or notA clean link to the provider’s own site, which pays us nothing. Expect ID, a UK address and a first deposit. Your old account and its direct debits can stay as they are.
Free and Blooom+

See where you stand. Know when things change.

  • Every account in one list, no loginsSavings, pensions, home, car, what you owe.
  • Your net worth from five linesOne number, each line marked by how we know it.
  • What your money could earn, in poundsThe highest easy access, fix and cash ISA it could move to.
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Your money stays put. So do your details.

Two minutes to set up, and what you type stays yours.

Your money never comes near usIt stays with your own bank. We show the rates; opening an account is your call.
Your figures stay yoursThey build your own picture and nothing else. Never sold, never shared.
Private by designYour account is yours alone. Only you can see inside it.
Log in your wayFace or fingerprint on the app, and an extra step in Settings if you like.
Leave whenever you likeExport a copy or delete everything, in one tap. No waiting.

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Every account in one list, your net worth, and what your money could earn in pounds, with the working. Free for as long as you like.

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Blooom+

Keep it watched

£44.99 a year, or £4.99 a month

Every easy access account you add compared against the rates we track, again each time you update, every bonus end and fix remembered. For the saver who does not want to look.

See the price

Blooom+ is £44.99 a year, or £4.99 a month.

Free to start. Free to stay, if you like.

Prices.

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For as long as you like.

  • All your accounts in one place, no logins
  • Your net worth from five lines
  • What your money could earn, in pounds
  • A heads-up if you’re over the £120k protection limit
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Blooom+

Blooom+

  • Every easy access account you add, compared again each time you update
  • Better rates, compared each time you update. Potential gains, shown in pounds.
  • Every date remembered: bonuses, fixes, the Bank’s decisions
  • Insights for what’s changing in your life
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Questions, answered.

Is it worth moving for a small balance?

That is what it could earn, in pounds a year. Blooom says so when the gap is too small to bother with, and it says so when it is not.

Do I have to close my old account?

No. You can keep your bank account for bills and hold savings elsewhere.

Is my money protected at a bank I have not heard of?

The FSCS protects eligible deposits up to £120,000 per person, per banking licence, whoever the bank is. Blooom shows which licence each account is under.

Is this advice?

No. Blooom shows what your money earns against the market and where it could sit. Opening an account is your call, and the provider decides whether it accepts you.

Can I cancel Blooom+?

Any time. Your first 14 days are a full refund with no questions. After that, cancelling stops the next charge and you keep it to the end of the period you paid for.

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The sources
£338bn and 51mParagon Bank analysis reported by Which?, 23 August 2026:£338bn in over 51 million UK savings accounts earning 1.5% or less.
29%Which?, “The cost of savings loyalty”, 23 August 2026 (Which? survey of 1,096 Which? Connect panel members, June 2026): “29% told us they haven’t switched savings accounts since 2021.”
34%Building Societies Association with Opinium, September 2023: 34% of UK savers never compare their rate.
£252bnFCA, Cash savings market update, figures to June 2024: £252bn in accounts paying no interest.
1.65%Bank of England, Effective interest rates, June 2026 (published 29 Jul 2026): households’ sight deposits, outstanding balances.
59%Accenture, 12 May 2025: “nearly six in ten Brits (59%) not knowing the interest rate on their main savings account”.
53%LHV Bank research, reported by Which?, 1 Sep 2026: “53% of UK savers are not confident they’re receiving competitive returns”.
2 in 5Tesco Bank, reported by Which?, 1 Sep 2026: “two in five adults don’t realise how inflation can erode their savings”.
61%, 1 in 10 and 21%FCA Financial Lives 2024, press release 16 May 2025.
55%Yorkshire Building Society with Opinium, 2,000 UK adults, January 2024: 55% had not compared savings rates in the last year.
£35,429Spring (Paragon Bank) analysis reported by MoneyWeek, March 2026: 6.5m current accounts hold over £10,000 at no interest, averaging £35,429.
0.50%, 0.50%Blooom’s own rate-change log.
How we check
You typewhat you hold.
We compareagainst the highest rate we track, dated.
We saywhat moved. Nothing here can move your money.
How we make money
Blooom+£44.99 a year, or £4.99 a month. That is the business.
Some linksmay pay us if you open an account through them. Marked "May pay us".
Neverdoes either move the order. Ranked by rate, nothing else.
The sums in our example
1.00%Everyday saver, £9,900, as you told us on 12 Jul 2026
4.52%Highest easy access we track, our example
£348 a year£447 − £99

An example, not a promise. Rates move; we re-read them every day.
The arithmetic
£59.88a year if you pay monthly: £4.99 × 12
24%saved by paying yearly: £14.89 less