Savings rates
No one pays to change the order.
Ranked by what £10,000 earns in a year. Rates are AER.
- CahootSimple Saver4.52%£452 in a yearHighest we compare
- Teachers Building SocietyBonus Savings Account for Everyone (Issue 1)4.50%£450 in the first year4.50% for 12 months, then 2.45% ›From £10,000 ›
- Ford MoneyFlexible Saver4.21%£421 in a year
- Leeds Building SocietyOnline Access Saver (Issue 24)4.20%£420 in a yearFrom £1,000 ›
- Nottingham Building SocietyBonus Access Saver4.20%£420 in a yearIncludes a bonus ›
Pays its rate on part of £10,000
Limited access
Withdrawals are limited, or taking money out costs you the rate. Not ranked with easy access.
Show 55 more ›
Not compared yet
We haven’t read the terms that decide them, so they aren’t ranked.
- Leeds Building SocietyShared Ownership Saver5.50%not compared
- LemFiInstant Access Savings Account5.00%not compared
- NS&IIncome Bonds4.99%not compared
- Zopa BankSmart Saver: Limited Access potIts own page isn’t read yet4.56%not compared
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on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Monthly or yearly
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- 16 or over
- Protection
- FSCS, £120,000 shared with Santander UK plc
From Cahoot’s page
After 12 months, we'll transfer your account to a cahoot Savings Account.
Variable rate interest means we can change it during the 12 month period.
All 5 from their page ›
If the rate goes down, we'll let you know around 2 months before the rate changes.
Be registered or will register for online banking.
This is a paper free account, which means:
Cahoot is a trading name of Santander UK Plc, principal place of business 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Check it at Cahoot ↗Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable, with a fixed bonus
- Access
- Any time, no notice
- Interest paid
- Not stated
- Least to open
- £10,000
- Most it holds
- £250,000
- Who can open
- Savings for all - not just teachers
- Protection
- FSCS, £120,000
From Teachers Building Society’s page
4.50% Gross p.a./AER Variable (includes a 2.05% fixed bonus for the first 12 months)
Reminder: rates on variable rate savings accounts are reviewed regularly, including when the Bank of England changes its Base Rate.
All 4 from their page ›
If your balance falls below the minimum operating amount of £10,000, the interest rate payable on the remaining balance for that calendar year will be equivalent to the Society's Extra Ordinary Account rate: Gross p.a./AER variable: 1.25% . If you increase your balance above the £10,000 threshold within the 12-month period, the variable base rate and fixed bonus rate will be reapplied to your investment for the remainder of that 12-month period.
The minimum opening and operating balance for this account is £10,000
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Monthly or yearly
- Least to open
- £1
- Most it holds
- £2,000,000
- Who can open
- 16 or over
- Protection
- FSCS, £120,000 shared with FCE Bank plc
From Ford Money’s page
You won't need to give us notice.
Make sure to move this into the account within the first 21 days of opening the account.
All 3 from their page ›
If we decrease your interest rate, we'll give you at least 14 days' notice.
Ford Money is a trading name of FCE Bank Plc, principal place of business FCE Bank plc, Arterial Road, Laindon, Essex, SS15 6EE, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Check it at Ford Money ↗Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- When it ends
- Least to open
- £1,000
- Most it holds
- £1,000,000
- Who can open
- 18 or over, online only
- Protection
- FSCS, £120,000
From Leeds Building Society’s page
For balances below £1,000, the interest rate reduces to 0.05% Gross p.a./AER variable.
You must maintain the minimum operating balance of £1,000.
All 5 from their page ›
If the balance falls below this the interest rate reduces to 0.05% Gross p.a./AER variable.
You must maintain a valid email address and notify us promptly if it changes.
But no further cash or cheque deposits can be made.
Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Easy access
- Rate type
- Variable, with a bonus
- Access
- Any time, no notice
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- £750,000
- Who can open
- 18 or over
- Protection
- FSCS, £120,000
From Nottingham Building Society’s page
Annual variable interest is 4.20% gross p.a./AER, including a 2.50% variable bonus until 31/01/2028.
You cannot open or manage this account in any of our branches.
All 3 from their page ›
This is a limited issue account which could be withdrawn at any time.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no limit
- Interest paid
- Monthly or yearly
- Least to open
- £1
- Most it holds
- Not stated
- Who can open
- 16 or over
- Protection
- FSCS, £120,000 shared with Santander UK plc
From Cahoot’s page
Enjoy 5.00% AER/gross (variable) for 12 months, on up to £3,000 in easy access savings
You can have a maximum of 1 sole account and 1 joint account per person.
All 5 from their page ›
Variable rate interest means we can change it during the 12 month period.
AER is based on funds deposited on the day you open the account. If you deposit funds later than this, you may receive less interest than advertised.
This is a paper free account, which means:
Cahoot is a trading name of Santander UK Plc, principal place of business 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. It is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority for deposit-taking.
Check it at Cahoot ↗Opening an account is your decision.
on £10,000. Estimated, before tax.
- Account
- Limited access
- Rate type
- Variable
- Access
- Limited withdrawals
- Interest paid
- Not stated
- Least to open
- £1
- Most it holds
- £5,000,000
- Who can open
- 16 or over, living in the UK
- Protection
- FSCS, £120,000
From Progressive Building Society’s page
If you make more than 2 withdrawals during the term of the account, the account will become a variable rate instant access account at the interest rate applicable at that time.
You can withdraw up to £500 in cash in a branch and £250 in cash in an agency, larger amounts must be withdrawn by cheque.
All 3 from their page ›
If we are decreasing the interest rate we will notify you at least 14 days before the change takes effect.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Variable
- Access
- Any time, no notice
- Interest paid
- Yearly
- Least to open
- £100
- Most it holds
- £20,000
- Who can open
- 18 or over, living in the UK
- Protection
- FSCS, £120,000
From Leeds Building Society’s page
If the balance falls below £100, the rate of interest will be 0.05% Gross p.a./AER variable.
You must have a Leeds Building Society Shared Ownership mortgage. If not, your account will be closed and transferred to a similar access account.
All 4 from their page ›
If the balance exceeds £20,000 plus any interest earned, the rate of interest that will apply to the whole balance will reduce.
The account may be closed for further deposits at any time.
Opening an account is your decision.
- Account
- Easy access
- Rate type
- Tracks the Bank of England base rate
- Access
- Any time, no limit
- Interest paid
- Monthly
- Least to open
- £1
- Most it holds
- £250,000
- Who can open
- In the app only
- Protection
- FSCS, £120,000
From LemFi’s page
Earn a boosted 5.00% AER on savings for 6 months, and then 3.04% tracker.
Withdraw your money whenever you want with no penalties or fees.
All 7 from their page ›
The interest rate tracks the Bank of England base rate.
Please note that LemFi does not offer joint accounts at this time.
We do not charge you fees for using your LemFi Instant Access Savings Account.
There might be costs, fees, charges, or taxes that you have to pay that are outside of our control and not charged by us. For example, LemFi may charge for the services it provides.
the payment transaction is less than the minimum of £1.00, or the payment would result in the balance of your LemFi Instant Access Savings Account being less than £1.00;
Opening an account is your decision.
- Account
- Fixed
- Rate type
- Fixed
- Access
- Any time, no notice
- Interest paid
- Monthly
- Least to open
- £500
- Most it holds
- £1,000,000
- Who can open
- 16 or over, online only
- Protection
- HM Treasury backed
From NS&I’s page
We'll contact you to let you know your options at least 30 days before your Bond matures.
Once you've bought a fixed-term Bond, you can't add any more money to it.
All 4 from their page ›
We can also withdraw any Issue from sale without notice.
The minimum withdrawal is £500 and you need to keep a balance of at least £500 to keep your account open.
Opening an account is your decision.
- Account
- Limited access
- Rate type
- Variable, with a bonus
- Access
- Limited withdrawals
- Interest paid
- Monthly
- Least to open
- £1
- Most it holds
- £250,000
- Who can open
- In the app only
- Protection
- FSCS, £120,000
From Zopa Bank’s page
Make a fourth withdrawal and your rate will drop.
Opened a Zopa savings account on or after 16 June 2026.
All 3 from their page ›
On your pot anniversary, your interest rate resets and you can make up to three more withdrawals.
Opening an account is your decision.
How we compare
We rank an account only when its own page states the terms that decide it. For easy access, that’s how often you can take money out.
The rest stay on the page with their reason, never above a compared one. No one pays to change the order.