Compare Savings Accounts

Easy Access, Fixed Rate & Cash ISAs

  • Compare the best interest rates
  • Check minimum deposit requirements
  • Use the PocketRate Partner button to apply online
ProductTypeMin. Opening DepositMax. Balance
Aldermore
Fixed Rate 1 Year
Fixed Term£1,000£1m
Aldermore
Fixed Rate 2 Year
Fixed Term£1,000£1m
Aldermore
Fixed Rate 3 Year
Fixed Term£1,000£1m
Aldermore
Fixed Rate 4 Year
Fixed Term£1,000£1m
Aldermore
Fixed Rate 5 Year
Fixed Term£1,000£1m
Shawbrook Bank
Fixed Rate 18 Month Bond
Fixed Term£1,000£2m
Shawbrook Bank
Fixed Rate 2 Year Bond
Fixed Term£1,000£2m
Shawbrook Bank
Fixed Rate 3 Year Bond
Fixed Term£1,000£2m
Shawbrook Bank
Fixed Rate 5 Year Bond
Fixed Term£1,000£2m
Shawbrook Bank
Fixed Rate 7 Year Bond
Fixed Term£1,000£2m
HSBC
Fixed Rate 1 Year
Fixed Term£2,000£1m
HSBC
Fixed Rate 2 Year
Fixed Term£2,000£1m
HSBC
Fixed Rate 3 Year
Fixed Term£2,000£1m
NatWest
Fixed Term 1 Year
Fixed Term£500£2m
NatWest
Fixed Term 2 Year
Fixed Term£500£2m
RCI Bank
Fixed Term 1 Year
Fixed Term£1,000£1m
RCI Bank
Fixed Term 2 Years
Fixed Term£1,000£1m
RCI Bank
Fixed Term 3 Years
Fixed Term£1,000£1m
RCI Bank
Fixed Term 4 Years
Fixed Term£1,000£1m
RCI Bank
Fixed Term 5 Years
Fixed Term£1,000£1m
Goldman Sachs
Marcus 1 Year Fixed Rate Saver
Fixed Term£1,000£250k
Cynergy Bank
Fixed Rate 1 Year
Fixed Term£10,000£1m
Cynergy Bank
Fixed Rate 2 Year
Fixed Term£10,000£1m
Cynergy Bank
Fixed Rate 3 Year
Fixed Term£10,000£1m
Ford Money
Fixed Saver 1 Year
Fixed Term£500£2m
Ford Money
Fixed Saver 2 Year
Fixed Term£500£2m
ProductTypeMin. Opening DepositMax. Balance
Shawbrook Bank
Easy Access Account
Easy Access£1,000£85,000
Barclays
Everday Saver
Easy Access£1£10,000,000
HSBC
Online Bonus Saver
Easy Access£1£2,000,000
NatWest
Instant Saver
Easy Access£1£unlimited
RBS
Instant Saver
Easy Access£0£unlimited
AA
Easy Saver
Easy Access£100£2,000,000
AA
Member Saver
Easy Access£100£2,000,000
RCI Bank
Freedom Savings
Easy Access£100£1,000,000
Goldman Sachs
Marcus
Easy Access£1£100,000
Bath Investment & Building Society
Premier Instant
Easy Access£1£20,000
Beverley Building Society
Instant Access Account
Easy Access£1£400,000
Buckinghamshire Building Society
Chiltern Easy Access
Easy Access£1£500,000
Cambridge Building Society
Instant Access Account
Easy Access£100£2,000,000
Chorley and District Building Society
Chorleian Share
Easy Access£1£500,000
Coventry Building Society
Instant Access Account
Easy Access£1£250,000
Cumberland Building Society
Instant Savings
Easy Access£100£500,000
Darlington Building Society
Instant Access Account
Easy Access£1£500,000
Dudley Building Society
Instant Tracker
Easy Access£50£500,000
Earl Shilton Building Society
Double Top
Easy Access£1£180,000
Ecology Building Society
Eco-Instant
Easy Access£5£125,000
Furness Building Society
Everyday Saver
Easy Access£1£250,000
Hanley Economic Building Society
Instant Access
Easy Access£100£50,000
Harpenden Building Society
Instant Access
Easy Access£100£1,000,000
Hinckley and Rugby Building Society
Plain Sailing
Easy Access£25£300,000
Ipswich Building Society
Everyday Saver
Easy Access£10£250,000
Leeds Building Society
Access Saver
Easy Access£1£1,000,000
Leek United Building Society
Pyramid Share
Easy Access£1£250,000
Loughborough Building Society
Instant Access
Easy Access£10£750,000
Manchester Building Society
Easy Access Saver
Easy Access£1,000£75,000
Mansfield Building Society
Easy Access Community Saver
Easy Access£1£400,000
Market Harborough Building Society
Easy Access Saver
Easy Access£1£500,000
Marsden Building Society
Branch Saver
Easy Access£25£250,000
Melton Mowbray Building Society
Instant Access Share Account
Easy Access£25£500,000
Monmouthshire Building Society
Easy Saver
Easy Access£1£500,000
Nationwide Building Society
Instant Access Saver
Easy Access£0£5,000,000
Newbury Building Society
Instant Premium
Easy Access£50£1,000,000
Newcastle Building Society
Community Saver Account
Easy Access£1£250,000
Nottingham Building Society
Branch Instant
Easy Access£1£750,000
Penrith Building Society
Instant Access Shares Account
Easy Access£1£150,000
Principality Building Society
Instant Access Account
Easy Access£1£2,000,000
Progressive Building Society
Progressive Saver Account
Easy Access£1,000£1,000,000
Saffron Building Society
Easy Access Account
Easy Access£1£2,000,000
Scottish Building Society
Instant Access Savings Account
Easy Access£1£1,000,000
Skipton Building Society
eSaver Issue
Easy Access£1,000£1,000,000
Stafford Railway Building Society
Pullman
Easy Access£1£450,000
Swansea Building Society
Personal Premier
Easy Access£1£85,000
Teachers Building Society
Easy Saver
Easy Access£100£100,000
Tipton and Coseley Building Society
Easy Access
Easy Access£100£500,000
Vernon Building Society
Instant Access
Easy Access£10£250,000
West Bromwich Building Society
WeBSaveR 2
Easy Access£1£250,000
Yorkshire Building Society
Access Saver
Easy Access£1£2,000,000
Aldermore
Easy Access Account
Easy Access£1,000£1,000,000
Cynergy Bank
Online Easy Access
Easy Access£1£1,000,000
Ford Money
Flexible Saver
Easy Access£1£2,000,000
ProductNotice PeriodMin. Opening DepositMax. Balance
Aldermore
30 Day Notice
30
Days
£1,000£1m
Aldermore
120 Day Notice
120
Days
£1,000£1m
Monmouthshire Building Society
30 Day Notice Smart Tracker
30
Days
£1,000£500,000
Monmouthshire Building Society
60 Day Notice
60
Days
£1,000£500,000
Shawbrook Bank
45 Day Notice
45
Days
£1,000£500,000
Shawbrook Bank
120 Day Notice
120
Days
£1,000£500,000
ProductTermMin. Opening DepositWithdrawals
Shawbrook Bank
Easy Access Cash ISA
Easy Access£1,000Permitted
Shawbrook Bank
Cash ISA 1 Year
1 Year£1,000Permitted
Shawbrook Bank
Cash ISA 2 Year
2 Years£1,000Permitted
Shawbrook Bank
Cash ISA 3 Year
3 Years£1,000Permitted
Shawbrook Bank
Cash ISA 5 Year
5 Years£1,000Permitted
Shawbrook Bank
Cash ISA 7 Year
7 Years£1,000Permitted
AA
Easy Access ISA
Easy Access£100Permitted
AA
Member Easy Access ISA
Easy Access£100Permitted
AA
Fixed Rate 1 Year
1 Year£500Breakage charge applies
AA
Fixed Rate 2 Year
2 Years£500Breakage charge applies
Cynergy Bank
Cash ISA 1 Year
1 Year£500Breakage charge applies
Cynergy Bank
Cash ISA 2 Year
2 Years£500Breakage charge applies
Cynergy Bank
Cash ISA 3 Year
3 Years£500Breakage charge applies
Cynergy Bank
Online Cash ISA
Easy Access£1Permitted
Ford Money
Fixed Cash ISA 1 Year
1 Year£500Breakage charge applies
Ford Money
Fixed Cash ISA 2 Years
2 Years£500Breakage charge applies
Ford Money
Flexible Cash ISA
Easy Access£1Permitted

What is AER?

The Annual Equivalent Rate (AER) is a percentage figure used to help you compare savings accounts and is based on the assumption that you keep your savings in the same account for 12 months. The AER is designed to give you a more accurate picture when comparing interest rates side-by-side.

It is used as an alternative to the Gross rate, which is basically a flat annual interest rate.

Unlike the gross rate, the AER rate factors in the interest you earn each month i.e. the compound interest. This is because if your savings account earns monthly interest, then the following month you will earn interest on your savings plus the interest that was previously accrued. If your savings account only pays interest annually, then the AER and Gross rate should effectively be the same.

Both the AER and Gross rates show the interest earned before any possible tax deductions.

Advantages of a savings account

The main advantage of a savings account is that you will generally get a higher rate of interest on you money as opposed to a regular current account.

Another major factor to consider when comparing savings accounts is how you get access to your money and manage your account.

Many banks and building societies offer multiple ways of managing your account including:

  • Online Banking via the bank’s own website
  • Mobile Banking including access via the provider’s own app
  • Telephone Banking using a pin code
  • Branch Services – in person at a local branch of the bank

However, some accounts may restrict some of these methods such as only allowing you to withdraw over the telephone or in person at a bank branch.

Withdrawing money

Most savings accounts will generally have the flexibility of allowing you to access and withdraw your savings at any time. However, some accounts, particularly fixed interest ones that pay higher rates, may only allow you limited access a couple of times a year or may penalise you for withdrawing your money.

You should also be aware of having to give notice on withdrawing your money. Although most savings accounts don’t have this rule, some higher interest paying ones or fixed interest accounts may require you to let them know some time beforehand e.g. 30 days, 60 days etc., that you intend to withdraw your money.

What is a minimum opening deposit?

This is the amount of money required to open an account. It is usually a mandatory part of the application process.

Whilst the majority of savings accounts can be opened with a deposit as little as £1, some may require higher amounts.

For example, some regular savings accounts where you need to save a minimum amount each month, usually require you to deposit that minimum amount when opening the account.

Fixed term savings accounts that often pay higher interest rates, will also require you to deposit a minimum deposit higher than £1.

What is a member's only rate or exclusive for members account?

Some savings accounts will require you to also have a normal current account with that bank or building society provider. In return you may get a higher interest rate on your savings, an additional bonus rate or some premium features.

By having a current account with the same provider as your savings account, you can easily transfer between the two.

Other account providers may offer exclusive rates for customers who already have an existing product with them. This usually requires proof during the account opening process.

PocketRate Partner Offers
Starling Bank
Starling Bank

Monthly Cost Account Opening Time
FREE 5 Minutes!

As long as you’re 16 or over, and a resident in the UK only, you’ll be able to apply for a bank account online on your phone (no branch visits here) and in most cases, get an instant decision.
Free Credit Score - Experian
Experian

Sign up cost Free access period
FREE Forever

The UK's most trusted Credit Score free forever. Check it as many times as you like without affecting it.