Fixed Income Investment Plans

Compare Investment & Savings Income Ideas

Investing for High Income

Plan Name

Walker Crips UK Fixed Income Plan

Annual Income

5.5%
fixed income per year

Term

5 years

ISA Option

More info

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

More information on this product

5.5% income per annum, paid regardless of the performance of the FTSE 100
Quarterly payments
5 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 20 December 2024
Deadline for Direct & ISA applications – 3 January 2025

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Arcus 6Y UK Monthly Fixed Income Plan

Annual Income

5.4%
fixed income per year

Term

6 years

ISA Option

More info

More information on this product

5.4% income per annum, paid regardless of the performance of the FTSE 100
Monthly payments
6 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for Direct & ISA applications by cheque – 20 December 2024
Deadline for ISA transfer applications – 27 December 2024
Deadline for Direct & ISA applications by bank transfer – 3 January 2025

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £3,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Hop Investing UK Monthly Fixed Income Plan

Annual Income

5.35%
fixed income per year

Term

7 years

ISA Option

More info

More information on this product

5.35% income per annum, paid regardless of the performance of the FTSE 100
Monthly payments
7 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 27 November 2024
Deadline for Direct & ISA applications – 11 December 2024

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Meteor FTSE Monthly Fixed Income Plan

Annual Income

5.34%
fixed income per year

Term

6 years

ISA Option

More info

More information on this product

5.34% income per annum, paid regardless of the performance of the FTSE 100
Monthly payments
6 year term
Alternative option also available with lower 60% capital at risk barrier offering 5.24% fixed income pa
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 27 November 2024
Deadline for Direct & ISA applications – 11 December 2024

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £5,000, or £2,500 per option
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Causeway Securities UK 5 Year Fixed Monthly Income Plan

Annual Income

5.28%
fixed income per year

Term

5 years

ISA Option

More info

More information on this product

5.28% income per annum, paid regardless of the performance of the FTSE 100
Monthly payments
5 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 15 November 2024
Deadline for Direct & ISA applications – 29 November 2024

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 4Y Monthly Fixed Income Kick Out Plan Y2 65

Annual Income

5.07%
fixed income per year

Term

Up to 4 years

ISA Option

More info

More information on this product

5.07% income per annum, paid regardless of the performance of the FTSE 100
Income paid monthly (0.4225% per month)
Plan can mature early annually from year 2 onwards if the FTSE 100 rises by any amount
Maximum 4 year term
Available for stocks and shares ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 26 November 2024
Deadline for Direct & ISA applications – 10 December 2024

Capital is at risk if the FTSE 100 Index has fallen by more than 35% at maturity from it’s initial level, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 4Y Annual Fixed Interest Deposit Plan

Annual Income

4.04%
fixed income per year

Term

4 years

ISA Option

More info

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

More information on this product

4.04% income per annum, paid regardless of the performance of the FTSE 100
Annual payments
4 year term
Additional return of 0.50% paid if the FTSE 100 is at or above the starting level after four year term
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 15 November 2024
Deadline for Direct & ISA applications – 29 November 2024

Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 4Y Monthly Fixed Interest Deposit Plan

Annual Income

4.02%
fixed income per year, paid monthly

Term

4 years

ISA Option

More info

Deposit Taker: Barclays Bank plc

More information on this product

0.335% income per month (equivalent to 4.02% pa), paid regardless of the performance of the FTSE 100
Monthly payments
4 year term
Additional return of 0.50% paid if the FTSE 100 is at or above the starting level after four year term
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 15 November 2024
Deadline for Direct & ISA applications – 29 November 2024

Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Income Fund Platforms

Invest From

Any lump sum or £25 per month

Fund Choice

40,000+ UK and global stocks

Features

Low flat fee structure. Regular investing is free.

ISA Transfers

More info

Pay no account fee for 6 months when you open an ii ISA. No minimum deposit required. Offer ends 31st December. Capital at risk. Terms & trading fees apply. New customers only

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading. Capital at risk.

Invest From

£25 per month

Fund Choice

2,000 + funds

Protection Scheme

FSCS

ISA & Non-ISA Options

More info

Why we like it: Wide range of investment funds to help you build a diversified portfolio across geographic markets, industry sectors or asset classes. You can invest in AJ Bell Passive funds, or choose from the recommended active and tracker funds on the Favourite funds list. Or, you can browse our extensive funds universe. Deal online and on the go with our free mobile app. Free subscription to Shares magazine if your balance is £4,000 or more. Capital at risk.

Invest From

£30 a month or a lump sum from £100

Fund Choice

With-Profits Fund

Protection Scheme

FSCS

ISA Transfers

More info

Why we like it: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments. Capital at risk.

Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser. Tax treatment depends on individual circumstances and all tax rules may change in the future. Please note: As with all investing, your capital is at risk you may get back less than you have put in. The value of the ISA will depend on the performance of the investments and any bonuses cannot be guaranteed. Additionally, if investment conditions are poor, we may apply a Market Value Reduction (MVR)

Invest From

£25 through regular savings or £1,000 as a lump sum

Fund Choice

Over 4,000+ funds, plus shares, investment trusts and exchange-traded funds.

Features

Great value service fee. Easy to set up. Online guidance to help with your investment decisions

ISA Transfers

More info

Why we like it: This award-winning ISA has an extensive range of investment options, including thousands of funds and shares, plus a guidance service to help you find investment ideas. There is a low service fee (typically 0.35%), easy online application process and apps to manage your money on the move. Additional charges apply depending on your choice of investments. Plus, everything is backed by Fidelity’s 50 years of investment experience. Boring Money Best Buy ISA 2023

Important information: The value of investments can go down as well as up, so you may get back less than you invest. Eligibility to invest in an ISA and tax treatment depends on personal circumstances and all tax rules may change in the future. Please note that this information is not a personal recommendation in respect of a particular investment. If you are unsure about the suitability of an investment, you should speak to one of Fidelity’s advisers or an authorised financial adviser of your choice.

Invest From

£25 per month or £100 single

Fund Choice

2,500+ funds

Protection Scheme

FSCS

ISA & Non-ISA Options

More info

Why we like it: Hargreaves Lansdown are the UK’s no. 1 investment platform for private investors. Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. Capital at risk.

Invest From

£1

Investment Type

10 managed portfolios to choose from

Features

Choose your risk profile and have an investment Plan built and managed for you. Ethical Plan options. Part of the Aviva group

ISA Transfers

More info

Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple Plans – including Ethical Plans – with different risk levels. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%.

Capital at risk.

Invest From

No minimum

Fund Choice

Over 2,500 funds, UK shares, investment trusts and ETFs
or choose Ready Made & Managed Portfolios

Features

Investment search tool makes it easy to browse and filter investments, use free guides and articles if you need any inspiration

ISA Transfers

More info

Why we like it: Pick your own investments or choose a Ready-made Portfolio. Some of the lowest investment ISA account fees available. Tiered service fees of 0.2% or less a year, no set-up fees and share dealing for just £4.95 per trade. You don’t pay anything to open your ISA or buy funds, and share dealing costs just £4.95 per trade. Voted Best ISA Provider at the City of London Wealth Management Awards 2020. Capital at risk.

Invest From

£10 per month or £100 single

Fund Choice

Unitised With-Profits fund

Protection Scheme

FSCS

ISA Transfers

More info

Why we like it: Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance. You can stop, restart, raise or lower your payments or your investments and cash in whenever you want. When you set up a My MoneyBuilder Select (ISA), your money will be invested in a single fund – the Unitised With-Profits fund. A mixed managed fund from Scottish Friendly where premiums are pooled with those of other clients and returns are linked to the performance of the underlying assets within the fund. Remember the value of investments can go down as well as up, and you could get back less than you’ve paid in. If you cash in before the end of 5 years there will be a £50 deduction from your cash-in value.

Important information: Investment ISAs are tax-efficient wrappers for long term investments. Capital at risk. Charges may apply. Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances. ISA transfer charges may apply, please check with your provider.

Invest From

£1,500

Investment Type

Choose your risk profile and have it matched to a portfolio expertly built and managed

Protection Scheme

FSCS

ISA & Non-ISA Options

More info

Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right investment portfolio for you, built and managed, and re-balanced by experts to help your money grow. Withdraw any time without additional fees. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your account by setting up a direct debit or investing a lump-sum. Low cost annual fee of 0.68%. Capital at risk.

Invest From

£25 lump sum or regular payment

Fund Choice

A wide range of funds, shares, investment trusts and ETFs

Features

Flexible ISA. If you take money from your account, provided you put it back during the same tax year, it won’t count against your annual ISA allowance

ISA Transfers

More info

Why we like it: Multi-award winning ISA with a wide range of investment choices. The Willis Owen ISA is a flexible ISA, which means that if you take money (either as a cash withdrawal or from your income payments) from your account, provided you put it back during the same tax year, replacement of the money won’t count against your annual ISA allowance. Expert insights, guides and tools to help you invest. Low minimum investment of £25, and/or transfer existing ISA’s in. View your portfolio 24/7 on easy to use and secure platform. Tiered annual fees ranging from 0.15% to 0.40%. Capital at risk.

Income Savings Options

Account

Leeds Building Society Limited Issue Online Access Account

Interest Rate

4.55%
Gross/AER

Term

Instant Access

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid annually
Unlimited deposits and withdrawals
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older

Account

Investec Online Flexi Saver

Interest Rate

4.60%
AER

Term

Instant Access

Minimum Deposit

£5,000

More info

More Information About This Account

Instant access to your savings
Unlimited deposits and withdrawals
Interest paid monthly, either to a linked current account, or adding it to your Online Flexi Saver account
Easy application process, you just need a UK mobile phone and UK driving licence or passport
Manage account online
Maximum balance £250,000

Must be aged 18 or older and have a UK address
Must have a linked UK current account
Your eligible deposits with Investec Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

RCI Bank Freedom Savings Account

Interest Rate

4.45%
Gross/AER

Term

Instant Access

Minimum Deposit

£100

More info

More Information About This Account

No notice periods
Unlimited payments and withdrawals
Interest paid monthly or annually
Manage account online
Which? Recommended Savings Provider

Must be UK resident
Must be aged 18 or older
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

Hampshire Trust Bank Online Easy Access Account

Interest Rate

4.40%
Gross/AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

Unlimited payments and withdrawals
Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident
Must be aged 18 or older

Account

Yorkshire Building Society Easy Access Saver

Interest Rate

4.35%
Gross/AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

Save from £1
Unlimited payments and withdrawals
Interest paid annually
Open in a single or a joint name
Maximum deposit £500,000
Open and manage account online
FSCS Protected

Must be UK resident
Must be aged 16 or older

Account

Aldermore Easy Access Account

Interest Rate

4.30%
Gross/AER

Term

Instant Access

Minimum Deposit

£100

More info

More Information About This Account

Monthly interest
Manage your account online
Unlimited withdrawals
Covered by the FSCS

Must be UK resident
Must be aged 18 or older
New customers only
Maximum deposit £1,000,000

Account

Post Office Online Saver

Interest Rate

4.10%
Gross/AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

Choose monthly or annual interest payments
Unlimited deposits and withdrawals
24/7 access to your savings
Open and manage online
FSCS protected

After 12 months the rate will revert to the underlying rate, currently 1.55% gross/ AER variable
Post Office Online Saver is provided by Bank of Ireland UK
Must be UK resident
Must be aged 18 or older

Account

Chip Instant Access Account

Interest Rate

3.75%
AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

A new savings account from Chip built to move with the Bank of England and reward you faster than the banks
Interest paid monthly
Deposit and withdraw almost instantly
No fees or charges for holding account
FSCS eligible on your deposits

Must be UK resident
Must be aged 18 or older

Account

OakNorth Easy Access Limited Edition Account

Interest Rate

4.50%
AER

Term

Easy Access

Minimum Deposit

£20,000

More info

More Information About This Account

Interest calculated monthly
Unlimited deposits and withdrawals
Open and manage online
FSCS Protected

Must retain a minimum balance of £20,000 in the account
Must be UK resident and be aged 18 or older

Account

OakNorth Bank Base Rate Tracker 95 Day Notice Account

Interest Rate

4.89%
AER

Term

95 Day Notice

Minimum Deposit

£1

More info

More Information About This Account

The interest rate tracks the Bank of England (BoE) Base Rate
Interest is calculated on the minimum daily balance and applied to the account on the first day of every subsequent month
Open and manage account online
Your eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme

The maximum deposit you may pay into any one OakNorth Account is £500,000. The maximum amount (excluding the interest) that you will be allowed to hold on deposit with OakNorth Bank across multiple accounts is also £500,000
Unlimited withdrawals, subject to 95 days notice
Available to individuals, aged 18 or over, who are UK residents

Account

Investec Bank 90 Day Notice Account

Interest Rate

4.84%
AER

Term

90 Day Notice

Minimum Deposit

£5,000

More info

More Information About This Account

Unlimited deposits and withdrawals
Interest paid monthly: can be added to your Notice Saver or paid to your linked account
Easy application process, you just need a UK mobile phone and UK driving licence or passport
Manage account online
Maximum balance £250,000

Withdrawals subject to 90 days notice
Must be aged 18 or older and have a UK address
Must have a linked UK current account

Account

RCI Bank 95 Day Notice Account

Interest Rate

4.70%
Gross/AER

Term

95 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Manage account online
Which? Recommended Savings Provider

Unlimited withdrawals subject to 95 days notice
Must be UK resident
Must be aged 18 or older
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

Chip Easy Access Saver Account

Interest Rate

Up to 4.50%
AER

Term

Easy Access

Minimum Deposit

£1

More info

More Information About This Account

3 penalty-free withdrawals in a 12 month period
3.82% AER (variable tracker) + 0.68% AER 12 month boost. 3.75% gross variable tracker
Interest paid monthly
Deposit and withdraw almost instantly
No fees or charges for holding account
FSCS eligible on your deposits

After 3 withdrawals within a 12 month period the rate will revert to either 3.40% AER (variable tracker with boost applied) or 2.72% AER (variable tracker) for the remainder of the 12 month period since opening the account
Must be UK resident
Must be aged 18 or older

Account

RCI E-Volve 14 Day Notice Account

Interest Rate

4.55%
Gross/AER

Term

14 Day Notice

Minimum Deposit

£1,000

More info

Ethical savings account All funds deposited will be used to fund pure electric vehicles and charging facilities

More Information About This Account

All funds deposited into the RCI Bank E-Volve Savings 14 Day Notice Account will be used to fund pure electric vehicles and charging facilities
Interest paid monthly or annually
Manage account online
UK-based support, seven days a week
Which? Recommended Savings Provider

Unlimited withdrawals subject to 14 days notice
Must be UK resident
Must be aged 18 or older
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

Aldermore 30 Day Notice Account

Interest Rate

4.35%
Gross/AER

Term

30 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Monthly interest
Manage your account online
Unlimited deposits
Covered by the FSCS

Must be UK resident
Must be aged 18 or older
Unlimited withdrawals subject to 30 days notice
Maximum deposit £1,000,000

Account

Aldermore Double Access Account

Interest Rate

Up to 4.75%
Gross/AER

Term

Easy Access

Minimum Deposit

£1,000

More info

More Information About This Account

4.75% AER if customer makes two or fewer withdrawals within an anniversary year
Monthly or annual interest
Manage your account online
Covered by the FSCS

If a customer makes three or more withdrawals in an anniversary year the rate reduces to 1.50% from the date of the third withdrawal
Must be UK resident and be aged 18 or older

Account

Nationwide 1 Year Triple Access Online Saver

Interest Rate

Up to 4.10%
Gross/AER

Term

1 Year, with option to make three free withdrawals

Minimum Deposit

£1

More info

More Information About This Account

Make up to three withdrawals during the 12-month term of this account
Open with £1
Manage your account online
Interest paid at maturity
FSCS Protected

Must be UK resident and aged 16 or older
Make more than three withdrawals and the rate drops to 2.10% AER/gross p.a. (variable)
Not available in branch

Account

Aldermore Bank 9 Month Fixed Rate Bond

Interest Rate

4.60%
Gross/AER

Term

9 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Investec 1-Year Fixed Rate Saver

Interest Rate

4.50%
Gross/AER

Term

1 Year

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid on maturity
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 1 Year Fixed Rate Bond

Interest Rate

4.40%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 1 Year Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Hampshire Trust Bank 18 Month Fixed Rate Bond

Interest Rate

4.51%
Gross/AER

Term

18 Months

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 18 Month Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

18 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 2 Year Fixed Rate Bond

Interest Rate

4.51%
Gross/AER

Term

2 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

RCI Bank 2 Year Fixed Rate Bond

Interest Rate

4.40%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 2 Year Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Investec 2-Year Fixed Rate Saver

Interest Rate

4.30%
Gross/AER

Term

2 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

NatWest Select Current Account

Features

Everyday current account

Funding Required

No minimum

Account fee

No fee

More info

More Information About This Account

Access to Digital Regular Saver – deposit £1-£150pm, 6% Gross/6.17% AER pa (variable) on 1st £5k, 1.59% Gross/1.60% AER pa above £5k
Great money management tools with our mobile banking app. ‘Criteria Apply’
Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply
Arranged overdraft available (subject to eligibility and lending criteria)
No monthly fee
Defaqto 5* rated

Assumed arranged overdraft of £1,200, 39.49% variable p.a. representative 39.5% APR variable
Representative example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% (variable). Assumed credit limit: £1,200
To apply, you need to be 18+ and a UK resident
The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80
What’s the cost of borrowing of £500: Zero days (you’ve not yet used your overdraft) – you’d pay in total £0.00. One day – you’d pay in total £0.46. Five days – you’d pay in total £2.31. Seven days – you’d pay in total £3.24. Thirty days – you’d pay in total £13.87

Account

Santander Everyday Current Account

Switch Offer

Earn £150 cash
when you switch to a Santander Everyday current account

Funding Required

No minimum

Features

The current account for your every day banking needs

Account Fee

No fee

More info

Earn £150 cash when you switch to a Santander Everyday current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

More Information About This Account

No minimum monthly funding or monthly fee to maintain the account
Get cashback, vouchers, prize draws and other offers personalised to you when you use Santander Boosts (you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking)
Stress-free account switching in 7 days with the Current Account Switch Service
£300 ATM withdrawal per day
Arranged Overdraft facility (subject to status)
Online and Mobile Banking with text and email alerts

Must be 18 or older and live in the UK permanently
39.94% EAR overdraft charge
*Switch incentive available when you use Current Account Switch Service. For £150 cash you’ll have to complete the full switch, set up 2 active Direct Debits and pay in £1,500 within 60 days. T&Cs apply

Account

first direct 1st Account

Switch Offer

£175 welcome bonus
when you switch to a 1st Account

Funding Required

No monthly minimum

Interest Rate

Access to 7% AER/Gross on Regular Savings*

Account Fee

FREE

More info

SPECIAL OFFER – Switch to a 1st Account and bank £175**

More Information About This Account

*Put away between £25 and £300 for a fixed 12 month term. If you save £300 every month for 12 months and qualify for the 7.00% AER/gross p.a. interest rate, you’ll earn approximately £136.50 interest (gross). Interest is calculated daily and paid 12 months after you opened the account. AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compounded each year. No partial withdrawals allowed. Early closure will result in interest being paid at the standard account variable rate.
£250 interest-free overdraft (subject to status)
No minimum monthly funding
No monthly account fee
Mobile banking app
No first direct fees for when spending abroad, withdrawing cash from the UK or when making a debit card payment in a foreign currency in the UK
UK based contact centre
Easy switching with the Current Account Switch Service

Must be 18 or older
Must be UK resident
Representative Example: How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. 0% EAR variable on the first £250, 39.9% EAR variable thereafter, giving a representative rate of 30.5% APR variable (assumed arranged overdraft £1,200). For customers with an offset mortgage linked to a 1st Account, the interest-free limit will not apply
**Open a 1st account on or after 9th September and before offer is withdrawn. Switch your everyday banking to using the Current Account Switch Service (CASS). Deposit a minimum of £1,000 (in single or multiple deposits) in your account and within 45 days of opening your first direct 1st Account. Complete a full CASS switch including at least two Direct Debits or Standing Orders must be made within 45 Days of us opening your first direct 1st Account. Register and Log onto digital banking, within 45 days of us opening your first direct 1st Account. Use your new 1st account debit card at least 5+ times. Be a new customer to first direct, who has not previously held a first direct product, or has opened an HSBC current account on or after 1 January 2018

Account

Santander Edge Up Current Account

Switch Offer

Earn £150 cash
when you switch to a Santander Edge Up current account

Funding Required

£1,500 per month

Features

3.00% AER (2.96% gross variable) on balances up to £25,000, and up to 1% cashback on household bills, supermarket and travel costs (exclusions apply)

Account Fee

£5 pm

More info

Earn £150 cash when you switch to a Santander Edge Up current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

More Information About This Account

3.00% AER/2.96% gross (variable) on balances up to £25,000
1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit
1% cashback (up to £15 a month) at supermarkets and on travel costs when you use your debit card (exclusions apply)
Free to use Santander Edge Up debit card outside the UK
Get cashback, vouchers, prize draws and personalised offers with Santander Boosts , free rewards service

Must be 18 or older and live in the UK permanently
Monthly fee of £5
Must pay a minimum of £1,500 into the account each month
Must have 2 active Direct Debits
Arranged overdraft available (subject to status)
Arranged overdraft interest rate of 39.94% APR / EAR (variable)
*Switch incentive available when you use Current Account Switch Service. For £150 cash you’ll have to complete the full switch, set up 2 active Direct Debits and pay in £1,500 within 60 days. T&Cs apply

Account

Santander Edge Current Account

Switch Offer

Earn £150 cash
when you switch to a Santander Edge current account

Funding Required

£500 per month

Features

Earn cashback every month on selected household bills and essential spend, plus get access to an exclusive savings account paying 6% AER

Account fee

£3 per month

More info

Earn £150 cash when you switch to a Santander Edge current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

More Information About This Account

Earn 1% cashback every month on selected household bills paid by Direct Debit, capped at up to £10 each month
Earn 1% cashback every month on supermarket and travel spend when you use your debit card, capped at £10 each month
Access to Santander Edge Saver with 6.00% AER / 5.84% gross (variable) interest up to £4,000 with 1.50% AER / 1.49% gross (variable) bonus rate for the 12 months from opening
Get cashback, vouchers, prize draws and other offers personalised to you when you use Santander Boosts
No fees or charges for international payments or CHAPS payments

Arranged overdraft interest rate of 39.94% APR/EAR (variable)
For cashback on household bills and essential spend, you must pay a minimum of £500 into your account each month, have 2 active Direct Debits, be over 18 and live in the UK permanently
Paper-free account
To be eligible for Santander Boosts, you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking
£3 monthly fee
*Switch incentive available when you use Current Account Switch Service. For £150 cash you’ll have to complete the full switch, set up 2 active Direct Debits and pay in £1,500 within 60 days. T&Cs apply

Account

Royal Bank of Scotland Select Current Account

Features

Everyday current account

Funding Required

No minimum

Account fee

No fee

More info

More Information About This Account

Access to Digital Regular Saver – deposit £1-£150pm, 6% Gross/6.17% AER pa (variable) on 1st £5k, 1.59% Gross/1.60% AER pa above £5k
Great money management tools with our mobile banking app. ‘Criteria Apply’
Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply
Arranged overdraft available (subject to eligibility and lending criteria)
No monthly fee
Defaqto 5* rated

Assumed arranged overdraft of £1,200, 39.49% variable p.a. representative 39.5% APR variable
Representative example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% (variable). Assumed credit limit: £1,200
To apply, you need to be 18+ and a UK resident
The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80
What’s the cost of borrowing of £500: Zero days (you’ve not yet used your overdraft) – you’d pay in total £0.00. One day – you’d pay in total £0.46. Five days – you’d pay in total £2.31. Seven days – you’d pay in total £3.24. Thirty days – you’d pay in total £13.87

Account

Aldermore 120 Day Notice Account

Interest Rate

4.55%
Gross/AER

Term

120 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Monthly interest
Manage your account online
Unlimited deposits
Covered by the FSCS

Must be UK resident
Must be aged 18 or older
Unlimited withdrawals subject to 120 days notice
Maximum deposit £1,000,000

Account

UBL 95 Day Notice Account

Interest Rate

2.71%
Gross/AER

Term

95 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Register for a free Raisin UK Account to apply for product and receive a £30 cash bonus for deposits of £10,000 or more
Interest paid monthly
Maximum deposit £85,000
FSCS Protected

Withdrawals subject to 95 days notice
Must be UK resident and aged 18 or older

Account

Hampshire Trust Bank 3 Year Fixed Rate Bond

Interest Rate

4.41%
Gross/AER

Term

3 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

RCI Bank 3 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 3 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Investec 3-Year Fixed Rate Saver

Interest Rate

4.15%
Gross/AER

Term

3 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 4 Year Fixed Rate Bond

Interest Rate

4.27%
Gross/AER

Term

4 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2021

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 4 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 4 Year Fixed Rate Bond

Interest Rate

3.80%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Hampshire Trust Bank 5 Year Fixed Rate Bond

Interest Rate

4.27%
Gross/AER

Term

5 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 5 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 5 Year Fixed Rate Bond

Interest Rate

3.80%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

moneybox Cash ISA

Interest Rate

5.17%*
AER

Term

Easy Access

Minimum Deposit

£500

More info

More Information About This Account

*The Moneybox Cash ISA includes a 4.70% AER variable underlying rate and a bonus rate of 0.47% for the first 12 months. Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate
Transfer in any ISAs you hold with other providers into a Moneybox Cash ISA, entirely in-app
Covered by FSCS

If more than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied for the rest of that 12-month period
The lower interest rate of 0.75% will also apply if the account balance dips below £500, automatically returning to the higher interest rate when the balance returns to £500 or more again
Must be UK resident and be aged 18 or older

Account

Plum Cash ISA

Interest Rate

4.92%*
AER

Term

Easy Access

Minimum Deposit

£1

More info

More Information About This Account

*Includes a bonus of 0.88% AER (variable) if account held for 12 months
Transfer in any ISAs you hold with other providers
Interest rates drop if more than three withdrawals per year
Covered by FSCS

Rate when you transfer in your existing ISA – 4.04% AER (variable)
Rate for each 12-month period after your first 12 months – 4.04% AER (variable)
Rate when balance drops below £100 or after your fourth annual withdrawal – 3.00% AER (variable)
Must be UK resident and be aged 18 or older

Account

Leeds Building Society Limited Issue Online Easy Access Cash ISA

Interest Rate

4.55%
Gross/AER

Term

Instant Access

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid annually
Unlimited deposits and withdrawals
ISA transfers also allowed in
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older

Account

Aldermore Bank 30 Day Notice Cash ISA

Interest Rate

4.30%
Gross/AER

Term

30 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Unlimited deposits and withdrawals
ISA transfers in allowed
FSCS Protected

Must be UK resident and aged 16 or older
Withdrawals subject to 30 days notice

Account

Nationwide 1 Year Triple Access Cash ISA

Interest Rate

Up to 4.10%
Gross/AER

Term

1 Year, with option to make three free withdrawals

Minimum Deposit

£1

More info

More Information About This Account

Tax free ISA account
Make up to three withdrawals during the 12-month term of this account
Open with £1 or transfer in existing ISA funds
Invest up to £20,000 per tax year
Manage your account online
Interest paid at maturity
FSCS Protected

Must be UK resident and aged 16 or older
Make more than three withdrawals and the rate drops to 2.10% AER/gross p.a. (variable)
Not available in branch

Account

Post Office Online 1 Year Fixed Rate Cash ISA

Interest Rate

4.00%
Gross/AER

Term

1 Year

Minimum Deposit

£500

More info

More Information About This Account

Interest paid annually
ISA transfers also allowed in (some providers charge a transfer fee)
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older
Withdrawals permitted subject to 90 days loss of interest
Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK

Account

Aldermore Bank 2 Year Cash ISA

Interest Rate

4.20%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

ISA transfers in allowed
FSCS Protected

Must be UK resident and aged 16 or older
Withdraw cash early if you need to (subject to loss of interest)

Account

Post Office Online 2 Year Fixed Rate Cash ISA

Interest Rate

3.65%
Gross/AER

Term

2 Years

Minimum Deposit

£500

More info

More Information About This Account

Interest paid annually
ISA transfers also allowed in (some providers charge a transfer fee)
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older
Withdrawals permitted subject to 180 days loss of interest
Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK

Account

Aldermore Bank 3 Year Cash ISA

Interest Rate

3.90%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

ISA transfers in allowed
FSCS Protected

Must be UK resident and aged 16 or older
Withdraw cash early if you need to (subject to loss of interest)

Plan Name

IDAD Goldman Sachs Callable Growth Deposit Plan

Potential Return

8% pa
or 3 x Index growth (capped at a maximum return of 48%)

Term

Maximum 6 years

ISA Option

More info

Deposit Taker: Goldman Sachs International Bank

More information on this product

Plan can be ended early by Deposit Taker (Goldman Sachs International Bank)
2% per quarter if plan ends early (equivalent to 8% pa)
3 x FTSE 100 Index growth if plan runs full term (capped at a maximum return of 48%)
Capital protected
Maximum 6 year term
Alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 26 November 2024
Deadline for Direct & ISA applications – 13 December 2024

If plan runs full term returns not guaranteed. You may only receive a return of your original capital
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return

6% pa

Term

Up to 6 years

ISA Option

More info

Deposit Taker: Goldman Sachs International Bank

More information on this product

6% for each year (not compounded) provided the FTSE 100 finishes above required kick out level
Required kick out level reduces from 100% to to 95% over the term
Potential to mature early, from year 4 onwards
Maximum 6 year term
Medium/long term alternative to fixed rates
Covered by the FSCS (Financial Services Compensation Scheme)
Available for Cash ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 20 November 2024
Deadline for Direct & ISA applications – 6 Decemberr 2024

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £10,000, or £5,000 if applying online
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 4Y Annual Fixed Interest Deposit Plan

Annual Income

4.04%
fixed income per year

Term

4 years

ISA Option

More info

Deposit Taker: Barclays Bank plc

More information on this product

4.04% income per annum, paid regardless of the performance of the FTSE 100
Annual payments
4 year term
Additional return of 0.50% paid if the FTSE 100 is at or above the starting level after four year term
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 15 November 2024
Deadline for Direct & ISA applications – 29 November 2024

Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 4Y Monthly Fixed Interest Deposit Plan

Annual Income

4.02%
fixed income per year, paid monthly

Term

4 years

ISA Option

More info

Deposit Taker: Barclays Bank plc

More information on this product

0.335% income per month (equivalent to 4.02% pa), paid regardless of the performance of the FTSE 100
Monthly payments
4 year term
Additional return of 0.50% paid if the FTSE 100 is at or above the starting level after four year term
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 15 November 2024
Deadline for Direct & ISA applications – 29 November 2024

Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 3Y 90 Growth Deposit Plan

Potential Return

15.5%
at end of term

Term

3 years

ISA Option

More info

Deposit Taker: Barclays Bank plc

More information on this product

15.5% fixed return if the FTSE 100 Index ends the same or higher than 90% of Starting Level
Capital protected
3 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 13 November 2024
Deadline for Direct & ISA applications – 2 December 2024

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Account

OakNorth Easy Access Limited Edition Account

Interest Rate

4.50%
AER

Term

Easy Access

Minimum Deposit

£20,000

More info

More Information About This Account

Interest calculated monthly
Unlimited deposits and withdrawals
Open and manage online
FSCS Protected

Must retain a minimum balance of £20,000 in the account
Must be UK resident and be aged 18 or older

Account

Leeds Building Society Limited Issue Online Access Account

Interest Rate

4.55%
Gross/AER

Term

Instant Access

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid annually
Unlimited deposits and withdrawals
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older

Account

Investec Online Flexi Saver

Interest Rate

4.60%
AER

Term

Instant Access

Minimum Deposit

£5,000

More info

More Information About This Account

Instant access to your savings
Unlimited deposits and withdrawals
Interest paid monthly, either to a linked current account, or adding it to your Online Flexi Saver account
Easy application process, you just need a UK mobile phone and UK driving licence or passport
Manage account online
Maximum balance £250,000

Must be aged 18 or older and have a UK address
Must have a linked UK current account
Your eligible deposits with Investec Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

RCI Bank Freedom Savings Account

Interest Rate

4.45%
Gross/AER

Term

Instant Access

Minimum Deposit

£100

More info

More Information About This Account

No notice periods
Unlimited payments and withdrawals
Interest paid monthly or annually
Manage account online
Which? Recommended Savings Provider

Must be UK resident
Must be aged 18 or older
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

Hampshire Trust Bank Online Easy Access Account

Interest Rate

4.40%
Gross/AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

Unlimited payments and withdrawals
Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident
Must be aged 18 or older

Account

Yorkshire Building Society Easy Access Saver

Interest Rate

4.35%
Gross/AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

Save from £1
Unlimited payments and withdrawals
Interest paid annually
Open in a single or a joint name
Maximum deposit £500,000
Open and manage account online
FSCS Protected

Must be UK resident
Must be aged 16 or older

Account

Aldermore Easy Access Account

Interest Rate

4.30%
Gross/AER

Term

Instant Access

Minimum Deposit

£100

More info

More Information About This Account

Monthly interest
Manage your account online
Unlimited withdrawals
Covered by the FSCS

Must be UK resident
Must be aged 18 or older
New customers only
Maximum deposit £1,000,000

Account

Post Office Online Saver

Interest Rate

4.10%
Gross/AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

Choose monthly or annual interest payments
Unlimited deposits and withdrawals
24/7 access to your savings
Open and manage online
FSCS protected

After 12 months the rate will revert to the underlying rate, currently 1.55% gross/ AER variable
Post Office Online Saver is provided by Bank of Ireland UK
Must be UK resident
Must be aged 18 or older

Account

Chip Instant Access Account

Interest Rate

3.75%
AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

A new savings account from Chip built to move with the Bank of England and reward you faster than the banks
Interest paid monthly
Deposit and withdraw almost instantly
No fees or charges for holding account
FSCS eligible on your deposits

Must be UK resident
Must be aged 18 or older

Account

OakNorth Bank Base Rate Tracker 95 Day Notice Account

Interest Rate

4.89%
AER

Term

95 Day Notice

Minimum Deposit

£1

More info

More Information About This Account

The interest rate tracks the Bank of England (BoE) Base Rate
Interest is calculated on the minimum daily balance and applied to the account on the first day of every subsequent month
Open and manage account online
Your eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme

The maximum deposit you may pay into any one OakNorth Account is £500,000. The maximum amount (excluding the interest) that you will be allowed to hold on deposit with OakNorth Bank across multiple accounts is also £500,000
Unlimited withdrawals, subject to 95 days notice
Available to individuals, aged 18 or over, who are UK residents

Account

Investec Bank 90 Day Notice Account

Interest Rate

4.84%
AER

Term

90 Day Notice

Minimum Deposit

£5,000

More info

More Information About This Account

Unlimited deposits and withdrawals
Interest paid monthly: can be added to your Notice Saver or paid to your linked account
Easy application process, you just need a UK mobile phone and UK driving licence or passport
Manage account online
Maximum balance £250,000

Withdrawals subject to 90 days notice
Must be aged 18 or older and have a UK address
Must have a linked UK current account

Account

RCI Bank 95 Day Notice Account

Interest Rate

4.70%
Gross/AER

Term

95 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Manage account online
Which? Recommended Savings Provider

Unlimited withdrawals subject to 95 days notice
Must be UK resident
Must be aged 18 or older
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

Chip Easy Access Saver Account

Interest Rate

Up to 4.50%
AER

Term

Easy Access

Minimum Deposit

£1

More info

More Information About This Account

3 penalty-free withdrawals in a 12 month period
3.82% AER (variable tracker) + 0.68% AER 12 month boost. 3.75% gross variable tracker
Interest paid monthly
Deposit and withdraw almost instantly
No fees or charges for holding account
FSCS eligible on your deposits

After 3 withdrawals within a 12 month period the rate will revert to either 3.40% AER (variable tracker with boost applied) or 2.72% AER (variable tracker) for the remainder of the 12 month period since opening the account
Must be UK resident
Must be aged 18 or older

Account

RCI E-Volve 14 Day Notice Account

Interest Rate

4.55%
Gross/AER

Term

14 Day Notice

Minimum Deposit

£1,000

More info

Ethical savings account All funds deposited will be used to fund pure electric vehicles and charging facilities

More Information About This Account

All funds deposited into the RCI Bank E-Volve Savings 14 Day Notice Account will be used to fund pure electric vehicles and charging facilities
Interest paid monthly or annually
Manage account online
UK-based support, seven days a week
Which? Recommended Savings Provider

Unlimited withdrawals subject to 14 days notice
Must be UK resident
Must be aged 18 or older
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

Aldermore 120 Day Notice Account

Interest Rate

4.55%
Gross/AER

Term

120 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Monthly interest
Manage your account online
Unlimited deposits
Covered by the FSCS

Must be UK resident
Must be aged 18 or older
Unlimited withdrawals subject to 120 days notice
Maximum deposit £1,000,000

Account

Aldermore 30 Day Notice Account

Interest Rate

4.35%
Gross/AER

Term

30 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Monthly interest
Manage your account online
Unlimited deposits
Covered by the FSCS

Must be UK resident
Must be aged 18 or older
Unlimited withdrawals subject to 30 days notice
Maximum deposit £1,000,000

Account

Aldermore Double Access Account

Interest Rate

Up to 4.75%
Gross/AER

Term

Easy Access

Minimum Deposit

£1,000

More info

More Information About This Account

4.75% AER if customer makes two or fewer withdrawals within an anniversary year
Monthly or annual interest
Manage your account online
Covered by the FSCS

If a customer makes three or more withdrawals in an anniversary year the rate reduces to 1.50% from the date of the third withdrawal
Must be UK resident and be aged 18 or older

Account

Nationwide 1 Year Triple Access Online Saver

Interest Rate

Up to 4.10%
Gross/AER

Term

1 Year, with option to make three free withdrawals

Minimum Deposit

£1

More info

More Information About This Account

Make up to three withdrawals during the 12-month term of this account
Open with £1
Manage your account online
Interest paid at maturity
FSCS Protected

Must be UK resident and aged 16 or older
Make more than three withdrawals and the rate drops to 2.10% AER/gross p.a. (variable)
Not available in branch

Account

Leeds Building Society E-Saver Instant Access Account

Interest Rate

2.15%
Gross/AER

Term

Instant Access

Minimum Deposit

£100

More info

More Information About This Account

Low minimum deposit
Interest paid annually
Unlimited deposits and withdrawals
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older

Account

UBL 95 Day Notice Account

Interest Rate

2.71%
Gross/AER

Term

95 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Register for a free Raisin UK Account to apply for product and receive a £30 cash bonus for deposits of £10,000 or more
Interest paid monthly
Maximum deposit £85,000
FSCS Protected

Withdrawals subject to 95 days notice
Must be UK resident and aged 18 or older

Account

Investec 1-Year Fixed Rate Saver

Interest Rate

4.50%
Gross/AER

Term

1 Year

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid on maturity
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 1 Year Fixed Rate Bond

Interest Rate

4.40%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or on maturity
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 1 Year Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Nationwide 1 Year Fixed Rate Online Bond

Interest Rate

4.00%
Gross/AER

Term

1 Year

Minimum Deposit

£1

More info

More Information About This Account

Interest paid at maturity
Open in single or joint name
Maximum deposit £5,000,000
Open and manage online
FSCS Protected

Must be UK resident and be aged 16 or older
No withdrawals permitted

Account

Hampshire Trust Bank 18 Month Fixed Rate Bond

Interest Rate

4.51%
Gross/AER

Term

18 Months

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 18 Month Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

18 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 2 Year Fixed Rate Bond

Interest Rate

4.51%
Gross/AER

Term

2 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

RCI Bank 2 Year Fixed Rate Bond

Interest Rate

4.40%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 2 Year Fixed Rate Bond

Interest Rate

4.30%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Investec 2-Year Fixed Rate Saver

Interest Rate

4.30%
Gross/AER

Term

2 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 3 Year Fixed Rate Bond

Interest Rate

4.41%
Gross/AER

Term

3 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

RCI Bank 3 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Aldermore Bank 3 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

Investec 3-Year Fixed Rate Saver

Interest Rate

4.15%
Gross/AER

Term

3 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Automatic repayment to your linked account
Maximum deposit £250,000
FSCS Protected

Must have a UK residential address and be aged 18 or older
No withdrawals permitted

Account

Hampshire Trust Bank 4 Year Fixed Rate Bond

Interest Rate

4.27%
Gross/AER

Term

4 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2021

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 4 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 4 Year Fixed Rate Bond

Interest Rate

3.80%
Gross/AER

Term

4 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

Hampshire Trust Bank 5 Year Fixed Rate Bond

Interest Rate

4.27%
Gross/AER

Term

5 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
Open in a single or a joint name
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 5 Year Fixed Rate Bond

Interest Rate

4.20%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Open an account singly or jointly
FSCS Protected

Must be UK resident and aged 18 or older
No withdrawals permitted

Account

RCI Bank 5 Year Fixed Rate Bond

Interest Rate

3.80%
Gross/AER

Term

5 Years

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Unlimited top-ups for the first 30 days
Which? Recommended Savings Provider
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Must be UK resident and aged 18 or older
No withdrawals permitted
Maximum deposit £1,000,000

Account

moneybox Cash ISA

Interest Rate

5.17%*
AER

Term

Easy Access

Minimum Deposit

£500

More info

More Information About This Account

*The Moneybox Cash ISA includes a 4.70% AER variable underlying rate and a bonus rate of 0.47% for the first 12 months. Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate
Transfer in any ISAs you hold with other providers into a Moneybox Cash ISA, entirely in-app
Covered by FSCS

If more than three withdrawals made within each 12-month period, a lower rate of 0.75% (variable) will be applied for the rest of that 12-month period
The lower interest rate of 0.75% will also apply if the account balance dips below £500, automatically returning to the higher interest rate when the balance returns to £500 or more again
Must be UK resident and be aged 18 or older

Account

Plum Cash ISA

Interest Rate

4.92%*
AER

Term

Easy Access

Minimum Deposit

£1

More info

More Information About This Account

*Includes a bonus of 0.88% AER (variable) if account held for 12 months
Transfer in any ISAs you hold with other providers
Interest rates drop if more than three withdrawals per year
Covered by FSCS

Rate when you transfer in your existing ISA – 4.04% AER (variable)
Rate for each 12-month period after your first 12 months – 4.04% AER (variable)
Rate when balance drops below £100 or after your fourth annual withdrawal – 3.00% AER (variable)
Must be UK resident and be aged 18 or older

Account

Leeds Building Society Limited Issue Online Easy Access Cash ISA

Interest Rate

4.55%
Gross/AER

Term

Instant Access

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid annually
Unlimited deposits and withdrawals
ISA transfers also allowed in
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older

Account

Hampshire Trust Bank 1 Year Cash ISA

Interest Rate

4.50%
Gross/AER

Term

1 Year

Minimum Deposit

£1

More info

More Information About This Account

Interest paid at maturity
ISA transfers also allowed in
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Aldermore Bank 30 Day Notice Cash ISA

Interest Rate

4.30%
Gross/AER

Term

30 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Unlimited deposits and withdrawals
ISA transfers in allowed
FSCS Protected

Must be UK resident and aged 16 or older
Withdrawals subject to 30 days notice

Account

Aldermore Bank Easy Access Cash ISA

Interest Rate

4.25%
Gross/AER

Term

Instant Access

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid annually
Unlimited deposits and withdrawals
ISA transfers also allowed in
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older

Account

Hampshire Trust Bank 2 Year Cash ISA

Interest Rate

4.25%
Gross/AER

Term

2 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
ISA transfers also allowed in
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Leeds Building Society 1 Year Cash ISA

Interest Rate

4.20%
Gross/AER

Term

1 Year

Minimum Deposit

£100

More info

More Information About This Account

Interest paid annually
ISA transfers also allowed in
Open online, in branch or by post
FSCS Protected

Must be UK resident and be aged 18 or older
Withdrawals permitted subject to 60 days lost interest

Account

Aldermore Bank 2 Year Cash ISA

Interest Rate

4.20%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

More Information About This Account

ISA transfers in allowed
FSCS Protected

Must be UK resident and aged 16 or older
Withdraw cash early if you need to (subject to loss of interest)

Account

Post Office Online Easy Access Cash ISA

Interest Rate

4.10%
Gross/AER

Term

Instant Access

Minimum Deposit

£100

More info

More Information About This Account

Interest paid annually
Unlimited deposits and withdrawals
ISA transfers also allowed in (some providers charge a transfer fee)
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older
After 12 months the interest rate changes to 1.45% AER variable
Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK

Account

Nationwide 1 Year Triple Access Cash ISA

Interest Rate

Up to 4.10%
Gross/AER

Term

1 Year, with option to make three free withdrawals

Minimum Deposit

£1

More info

More Information About This Account

Tax free ISA account
Make up to three withdrawals during the 12-month term of this account
Open with £1 or transfer in existing ISA funds
Invest up to £20,000 per tax year
Manage your account online
Interest paid at maturity
FSCS Protected

Must be UK resident and aged 16 or older
Make more than three withdrawals and the rate drops to 2.10% AER/gross p.a. (variable)
Not available in branch

Account

Post Office Online 1 Year Fixed Rate Cash ISA

Interest Rate

4.00%
Gross/AER

Term

1 Year

Minimum Deposit

£500

More info

More Information About This Account

Interest paid annually
ISA transfers also allowed in (some providers charge a transfer fee)
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older
Withdrawals permitted subject to 90 days loss of interest
Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK

Account

NatWest 1 Year Cash ISA

Interest Rate

4.00%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with NatWest Bank per tax year. You must hold the account solely in your name. NatWest’s best FRISA rates are 4.00% AER/Tax-free p.a. (fixed) for 1 year and 4.00% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 11th December 2024 for new customers and 16th December 2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 3rd January 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA you will not be able to make any further payments for that tax year into any other cash ISA with NatWest or Royal Bank of Scotland. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account or 90 days’ interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

Account

NatWest 2 Year Cash ISA

Interest Rate

4.00%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

Account

Aldermore Bank 3 Year Cash ISA

Interest Rate

3.90%
Gross/AER

Term

3 Years

Minimum Deposit

£1,000

More info

More Information About This Account

ISA transfers in allowed
FSCS Protected

Must be UK resident and aged 16 or older
Withdraw cash early if you need to (subject to loss of interest)

Account

Royal Bank of Scotland 1 Year Cash ISA

Interest Rate

3.80%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with Royal Bank of Scotland per tax year. You must hold the account solely in your name. Royal Bank of Scotland’s best FRISA rates are 3.80% AER/Tax-free p.a. (fixed) for 1 year and 3.40% AER/Tax-free p.a. (fixed) for 2 years. Rate available until 5pm on 11th December 2024 for new customers and 16th December 2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 3rd January 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA, you will not be able to make any further payments for that tax year into any other cash ISA with Royal Bank of Scotland or NatWest. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

Account

Hampshire Trust Bank 5 Year Cash ISA

Interest Rate

3.75%
Gross/AER

Term

5 Years

Minimum Deposit

£1

More info

More Information About This Account

Interest paid annually
ISA transfers also allowed in
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2021

Must be UK resident and be aged 18 or older
No withdrawals permitted

Account

Post Office Online 2 Year Fixed Rate Cash ISA

Interest Rate

3.65%
Gross/AER

Term

2 Years

Minimum Deposit

£500

More info

More Information About This Account

Interest paid annually
ISA transfers also allowed in (some providers charge a transfer fee)
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older
Withdrawals permitted subject to 180 days loss of interest
Online ISA is provided by OneFamily, savings in Post Office Cash ISAs are deposited with Bank of Ireland UK

Account

Royal Bank of Scotland 2 Year Cash ISA

Interest Rate

3.40%
Gross/AER

Term

2 Years

Minimum Deposit

£1,000

More info

Terms and Conditions: You must be 18 or over and a UK Resident. Currently you can only subscribe to one Cash ISA with Royal Bank of Scotland per tax year. You must hold the account solely in your name. Royal Bank of Scotland’s best FRISA rates are 3.80% AER/Tax-free p.a. (fixed) for 1 year and 3.40% AER/Tax-free p.a. (fixed). Rate available until 5pm on 11th December 2024 for new customers and 16th December 2024 for existing customers. Offer may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. You can withdraw money from your account up to 3rd January 2025. If you want to make a withdrawal after this time and before the Maturity Date, you must close your account by giving written notice in branch. ISA subscription limits apply. If you make a payment into your Fixed Rate ISA, you will not be able to make any further payments for that tax year into any other cash ISA with Royal Bank of Scotland or NatWest. Early Closure Charge applies. The Early Closure Charge will be the lower of the amount of interest earned on your account of 90 day’s interest. The Early Closure Charge will be deducted from the balance of your Fixed Rate ISA. The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.

Account

Leeds Building Society E-ISA Instant Access Cash ISA

Interest Rate

2.15%
Gross/AER

Term

Instant Access

Minimum Deposit

£1

More info

More Information About This Account

Low minimum deposit
Interest paid annually
Unlimited deposits and withdrawals
ISA transfers also allowed in
Open and manage online
FSCS Protected

Must be UK resident and be aged 18 or older

Account

OakNorth Bank Base Rate Tracker 95 Day Notice Account

Interest Rate

4.89%
AER

Term

95 Day Notice

Minimum Deposit

£1

More info

More Information About This Account

The interest rate tracks the Bank of England (BoE) Base Rate
Interest is calculated on the minimum daily balance and applied to the account on the first day of every subsequent month
Open and manage account online
Your eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme

The maximum deposit you may pay into any one OakNorth Account is £500,000. The maximum amount (excluding the interest) that you will be allowed to hold on deposit with OakNorth Bank across multiple accounts is also £500,000
Unlimited withdrawals, subject to 95 days notice
Available to individuals, aged 18 or over, who are UK residents

Account

Investec Bank 90 Day Notice Account

Interest Rate

4.84%
AER

Term

90 Day Notice

Minimum Deposit

£5,000

More info

More Information About This Account

Unlimited deposits and withdrawals
Interest paid monthly: can be added to your Notice Saver or paid to your linked account
Easy application process, you just need a UK mobile phone and UK driving licence or passport
Manage account online
Maximum balance £250,000

Withdrawals subject to 90 days notice
Must be aged 18 or older and have a UK address
Must have a linked UK current account

Account

RCI Bank 95 Day Notice Account

Interest Rate

4.70%
Gross/AER

Term

95 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Interest paid monthly or annually
Manage account online
Which? Recommended Savings Provider

Unlimited withdrawals subject to 95 days notice
Must be UK resident
Must be aged 18 or older
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

RCI E-Volve 14 Day Notice Account

Interest Rate

4.55%
Gross/AER

Term

14 Day Notice

Minimum Deposit

£1,000

More info

Ethical savings account All funds deposited will be used to fund pure electric vehicles and charging facilities

More Information About This Account

All funds deposited into the RCI Bank E-Volve Savings 14 Day Notice Account will be used to fund pure electric vehicles and charging facilities
Interest paid monthly or annually
Manage account online
UK-based support, seven days a week
Which? Recommended Savings Provider

Unlimited withdrawals subject to 14 days notice
Must be UK resident
Must be aged 18 or older
Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Account

Aldermore 120 Day Notice Account

Interest Rate

4.55%
Gross/AER

Term

120 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Monthly interest
Manage your account online
Unlimited deposits
Covered by the FSCS

Must be UK resident
Must be aged 18 or older
Unlimited withdrawals subject to 120 days notice
Maximum deposit £1,000,000

Account

Aldermore 30 Day Notice Account

Interest Rate

4.35%
Gross/AER

Term

30 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Monthly interest
Manage your account online
Unlimited deposits
Covered by the FSCS

Must be UK resident
Must be aged 18 or older
Unlimited withdrawals subject to 30 days notice
Maximum deposit £1,000,000

Account

UBL 95 Day Notice Account

Interest Rate

2.71%
Gross/AER

Term

95 Day Notice

Minimum Deposit

£1,000

More info

More Information About This Account

Register for a free Raisin UK Account to apply for product and receive a £30 cash bonus for deposits of £10,000 or more
Interest paid monthly
Maximum deposit £85,000
FSCS Protected

Withdrawals subject to 95 days notice
Must be UK resident and aged 18 or older

Account

first direct 1st Account

Switch Offer

£175 welcome bonus
when you switch to a 1st Account

Funding Required

No monthly minimum

Interest Rate

Access to 7% AER/Gross on Regular Savings*

Account Fee

FREE

More info

SPECIAL OFFER – Switch to a 1st Account and bank £175**

More Information About This Account

*Put away between £25 and £300 for a fixed 12 month term. If you save £300 every month for 12 months and qualify for the 7.00% AER/gross p.a. interest rate, you’ll earn approximately £136.50 interest (gross). Interest is calculated daily and paid 12 months after you opened the account. AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compounded each year. No partial withdrawals allowed. Early closure will result in interest being paid at the standard account variable rate.
£250 interest-free overdraft (subject to status)
No minimum monthly funding
No monthly account fee
Mobile banking app
No first direct fees for when spending abroad, withdrawing cash from the UK or when making a debit card payment in a foreign currency in the UK
UK based contact centre
Easy switching with the Current Account Switch Service

Must be 18 or older
Must be UK resident
Representative Example: How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. 0% EAR variable on the first £250, 39.9% EAR variable thereafter, giving a representative rate of 30.5% APR variable (assumed arranged overdraft £1,200). For customers with an offset mortgage linked to a 1st Account, the interest-free limit will not apply
**Open a 1st account on or after 9th September and before offer is withdrawn. Switch your everyday banking to using the Current Account Switch Service (CASS). Deposit a minimum of £1,000 (in single or multiple deposits) in your account and within 45 days of opening your first direct 1st Account. Complete a full CASS switch including at least two Direct Debits or Standing Orders must be made within 45 Days of us opening your first direct 1st Account. Register and Log onto digital banking, within 45 days of us opening your first direct 1st Account. Use your new 1st account debit card at least 5+ times. Be a new customer to first direct, who has not previously held a first direct product, or has opened an HSBC current account on or after 1 January 2018

Account

NatWest Select Current Account

Features

Everyday current account

Funding Required

No minimum

Account fee

No fee

More info

More Information About This Account

Access to Digital Regular Saver – deposit £1-£150pm, 6% Gross/6.17% AER pa (variable) on 1st £5k, 1.59% Gross/1.60% AER pa above £5k
Great money management tools with our mobile banking app. ‘Criteria Apply’
Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply
Arranged overdraft available (subject to eligibility and lending criteria)
No monthly fee
Defaqto 5* rated

Assumed arranged overdraft of £1,200, 39.49% variable p.a. representative 39.5% APR variable
Representative example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% (variable). Assumed credit limit: £1,200
To apply, you need to be 18+ and a UK resident
The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80
What’s the cost of borrowing of £500: Zero days (you’ve not yet used your overdraft) – you’d pay in total £0.00. One day – you’d pay in total £0.46. Five days – you’d pay in total £2.31. Seven days – you’d pay in total £3.24. Thirty days – you’d pay in total £13.87

Account

Santander Everyday Current Account

Switch Offer

Earn £150 cash
when you switch to a Santander Everyday current account

Funding Required

No minimum

Features

The current account for your every day banking needs

Account Fee

No fee

More info

Earn £150 cash when you switch to a Santander Everyday current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

More Information About This Account

No minimum monthly funding or monthly fee to maintain the account
Get cashback, vouchers, prize draws and other offers personalised to you when you use Santander Boosts (you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking)
Stress-free account switching in 7 days with the Current Account Switch Service
£300 ATM withdrawal per day
Arranged Overdraft facility (subject to status)
Online and Mobile Banking with text and email alerts

Must be 18 or older and live in the UK permanently
39.94% EAR overdraft charge
*Switch incentive available when you use Current Account Switch Service. For £150 cash you’ll have to complete the full switch, set up 2 active Direct Debits and pay in £1,500 within 60 days. T&Cs apply

Account

Chase Current Account

Features

1% cashback on your everyday debit card spending for your first 12 months. Cashback exceptions and limits apply. Plus access to a 3.50% AER easy access saver account

Funding Required

No monthly minimum

Account fee

FREE

More info

More Information About This Account

Earn 1% cashback on everyday debit card spending, including contactless. Available for your first 12 months for new customers. Max £15 per month. Cashback exceptions apply
Access to a Chase saver account paying 3.50% AER (3.45% gross) variable. Interest is earned daily and paid monthly. Easy access to your money with no minimum opening balance
5% interest on a round up account- choose to round up your spending to the nearest £1 and you’ll get 5% AER (4.89%gross) variable interest on your round up account, paid monthly
Zero fees from Chase when you use your Chase debit card, both at home and away
No ATM fees applied by Chase
Open extra current accounts in seconds, for free. Use them to spend from, pay bills with Direct Debits, budget, and set aside money in the way that works best for you

Must be 18+, be a UK resident and have a smart phone and UK mobile number
No account opening fees and no monthly fee
No minimum monthly funding
In-app card control – you decide how and where your card works. You can stop it from making contactless or gambling payments, from working abroad, or from making cash withdrawals
Numberless card – your card details are stored in the app, so no one can see them but you
24/7 customer support – either over the phone or in app message

Account

Santander Edge Up Current Account

Switch Offer

Earn £150 cash
when you switch to a Santander Edge Up current account

Funding Required

£1,500 per month

Features

3.00% AER (2.96% gross variable) on balances up to £25,000, and up to 1% cashback on household bills, supermarket and travel costs (exclusions apply)

Account Fee

£5 pm

More info

Earn £150 cash when you switch to a Santander Edge Up current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

More Information About This Account

3.00% AER/2.96% gross (variable) on balances up to £25,000
1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit
1% cashback (up to £15 a month) at supermarkets and on travel costs when you use your debit card (exclusions apply)
Free to use Santander Edge Up debit card outside the UK
Get cashback, vouchers, prize draws and personalised offers with Santander Boosts , free rewards service

Must be 18 or older and live in the UK permanently
Monthly fee of £5
Must pay a minimum of £1,500 into the account each month
Must have 2 active Direct Debits
Arranged overdraft available (subject to status)
Arranged overdraft interest rate of 39.94% APR / EAR (variable)
*Switch incentive available when you use Current Account Switch Service. For £150 cash you’ll have to complete the full switch, set up 2 active Direct Debits and pay in £1,500 within 60 days. T&Cs apply

Account

Santander 1|2|3 Mini Current Account

Features

3% interest AER
(2.96% gross)

Interest Earned Between

£1,500 to 2,000

Minimum Deposit

No minimum

More info

More Information About This Account

Children’s current account
Can be opened by or on behalf of any child up to the age of 17
1% interest on the entire balance once the balance up to £999.99
2.00% AER/1.98% gross (variable) on the entire balance once the balance is £1,000 to £1,499.99
3.00% AER/2.96% gross (variable) on the entire balance once the balance is £1,500 to £2,000
Debit or cash card available for those aged between 13 and 17
Monthly interest
No monthly fee

For children under age 13, the account must be opened in trust and managed by an adult (trustee) T&C’s apply
If you’re aged between 13 and 17 years old and live permanently in the UK you can apply online by telephone or in branch
No overdraft facility

Account

Royal Bank of Scotland Select Current Account

Features

Everyday current account

Funding Required

No minimum

Account fee

No fee

More info

More Information About This Account

Access to Digital Regular Saver – deposit £1-£150pm, 6% Gross/6.17% AER pa (variable) on 1st £5k, 1.59% Gross/1.60% AER pa above £5k
Great money management tools with our mobile banking app. ‘Criteria Apply’
Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply
Arranged overdraft available (subject to eligibility and lending criteria)
No monthly fee
Defaqto 5* rated

Assumed arranged overdraft of £1,200, 39.49% variable p.a. representative 39.5% APR variable
Representative example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% (variable). Assumed credit limit: £1,200
To apply, you need to be 18+ and a UK resident
The monthly cap on unarranged overdraft charges for our standard adult current accounts is £18.80
What’s the cost of borrowing of £500: Zero days (you’ve not yet used your overdraft) – you’d pay in total £0.00. One day – you’d pay in total £0.46. Five days – you’d pay in total £2.31. Seven days – you’d pay in total £3.24. Thirty days – you’d pay in total £13.87

Account

Santander Edge Student Current Account

Features

A free 4-year Santander 16-25 Railcard worth £100 plus a total average saving of £768 (average saving of £192 per year)

Funding Required

£500 every 4 months

Overdraft

£1,500 Interest Free increasing to £2,000. Subject to status

More info

More Information About This Account

An interest-free and fee-free Arranged Overdraft, up to £1,500 in years 1-3, then up to £2,000 if you stay on to year 5. Subject to status
A free 4-year Santander 16-25 Railcard worth £100 plus a total average saving of £768 (average saving of £192 per year)
Get cashback, vouchers, prize draws and other offers personalised to you when you use Santander Boosts (you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking) Visa Debit card for making purchases and accessing your money at cash machines
No monthly account fee

Must be over 18 and live in the UK permanently
Must be studying or are about to begin an undergraduate course that is at least 2 years in length, or level 4 to 7 apprenticeship. If you’re about to begin your course, you must have an ‘unconditional’ or ‘confirmed conditional’ offer (i.e. you have your exam results) before you apply
You must pay in at least £500 every 4 months and must not already have an existing Santander current account. If you do, you’ll need to transfer it

Account

Currensea Travel Debit Card

Features

Spend in confidence, whilst saving money on your overseas purchases

Spend & Transfer Money Abroad

Account fee

FREE

More info

More Information About This Account

Travel Money Card Account
Spend abroad without worrying about expensive rates and hidden costs
All currencies supported
An easy to set up debit card. Link directly with your existing bank account
Spend from your bank account, just with a different card. No need for separate accounts and inconvenient top-ups
Automatically save over 85% on bank charges anywhere in the world

Off-set your carbon footprint with our One Tree Planted partnership. Every $100 spent through Currensea could plant three trees
Get your card in minutes
Latest bank security and encryption technology
Mastercard chargeback protection for all your purchases
Currensea is authorised by the Financial Conduct Authority

Plan Name

Goldman Sachs FTSE 100 Deposit Kick Out Plan

Potential Return

6% pa

Term

Up to 6 years

ISA Option

More info

Deposit Taker: Goldman Sachs International Bank

More information on this product

6% for each year (not compounded) provided the FTSE 100 finishes above required kick out level
Required kick out level reduces from 100% to to 95% over the term
Potential to mature early, from year 4 onwards
Maximum 6 year term
Medium/long term alternative to fixed rates
Covered by the FSCS (Financial Services Compensation Scheme)
Available for Cash ISA, ISA transfer and direct investment
Deadline for ISA transfer applications – 20 November 2024
Deadline for Direct & ISA applications – 6 Decemberr 2024

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £10,000, or £5,000 if applying online
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 4Y Annual Fixed Interest Deposit Plan

Annual Income

4.04%
fixed income per year

Term

4 years

ISA Option

More info

Deposit Taker: Barclays Bank plc

More information on this product

4.04% income per annum, paid regardless of the performance of the FTSE 100
Annual payments
4 year term
Additional return of 0.50% paid if the FTSE 100 is at or above the starting level after four year term
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 15 November 2024
Deadline for Direct & ISA applications – 29 November 2024

Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

IDAD Goldman Sachs Callable Growth Deposit Plan

Potential Return

8% pa
or 3 x Index growth (capped at a maximum return of 48%)

Term

Maximum 6 years

ISA Option

More info

Deposit Taker: Goldman Sachs International Bank

More information on this product

Plan can be ended early by Deposit Taker (Goldman Sachs International Bank)
2% per quarter if plan ends early (equivalent to 8% pa)
3 x FTSE 100 Index growth if plan runs full term (capped at a maximum return of 48%)
Capital protected
Maximum 6 year term
Alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 26 November 2024
Deadline for Direct & ISA applications – 13 December 2024

If plan runs full term returns not guaranteed. You may only receive a return of your original capital
Minimum investment £10,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 4Y Monthly Fixed Interest Deposit Plan

Annual Income

4.02%
fixed income per year, paid monthly

Term

4 years

ISA Option

More info

Deposit Taker: Barclays Bank plc

More information on this product

0.335% income per month (equivalent to 4.02% pa), paid regardless of the performance of the FTSE 100
Monthly payments
4 year term
Additional return of 0.50% paid if the FTSE 100 is at or above the starting level after four year term
Capital protected
4 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 15 November 2024
Deadline for Direct & ISA applications – 29 November 2024

Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Plan Name

MB UK 3Y 90 Growth Deposit Plan

Potential Return

15.5%
at end of term

Term

3 years

ISA Option

More info

Deposit Taker: Barclays Bank plc

More information on this product

15.5% fixed return if the FTSE 100 Index ends the same or higher than 90% of Starting Level
Capital protected
3 year term
Medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Deadline for ISA transfer applications – 13 November 2024
Deadline for Direct & ISA applications – 2 December 2024

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £5,000
An arrangement fee applies to this plan
If you withdraw your money during the plan you may get back less than you originally invested

Account

Hampshire Trust Bank 1 Year Business Fixed Rate Bond

Interest Rate

4.55%
Gross/AER

Term

1 Year

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Maximum deposit £750,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2021

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts
No withdrawals permitted

Account

Hampshire Trust Bank Easy Access SME Saver

Interest Rate

4.37%
Gross/AER

Term

Instant Access

Minimum Deposit

£5,000

More info

More Information About This Account

Unlimited payments and withdrawals
Interest paid annually
Maximum deposit £250,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2024

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts.
Must be UK resident
Must be aged 18 or older

Account

Hampshire Trust Bank 2 Year Business Fixed Rate Bond

Interest Rate

4.22%
Gross/AER

Term

2 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Maximum deposit £750,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2021

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts
No withdrawals permitted

Account

Hampshire Trust Bank 3 Year Business Fixed Rate Bond

Interest Rate

4.16%
Gross/AER

Term

3 Years

Minimum Deposit

£5,000

More info

More Information About This Account

Interest paid annually
Maximum deposit £750,000
FSCS Protected
Winner of Platinum Feefo Trusted Service Award in 2021

Available for: Sole traders – trading in the UK, Limited companies/PLCs/LLPs – incorporated in the UK, Partnerships, Charities – registered in the UK, Clubs and associations, Small local authorities/PCCs/councils, Schools, Religious organisations, Small financial institutions, Credit unions, Trusts
No withdrawals permitted

Account

Allica Bank Instant Access Business Savings

Interest Rate

4.08%
AER* (variable)

Term

Instant Access

Minimum Deposit

£50,000

More info

More Information About This Account

Instant access – deposit or withdraw funds 24/7
Earn 4.08% AER* (variable), paid monthly
Unlimited withdrawals
No monthly fee
FSCS Protected for eligible deposits up to £85,000

For businesses registered 1 year and over only. Keeping less than £50,000 in the account may earn a reduced rate of interest and may incur fees
You will automatically have access to Allica Instant Access Savings when you open an Allica Business Bank Account
*T&Cs apply

Account

Aldermore Bank 1 Year Business Fixed Rate Bond

Interest Rate

4.00%
Gross/AER

Term

1 Year

Minimum Deposit

£1,000

More info

More Information About This Account

Deposit between £1,000 and £1,000,000
No fees or charges for day to day services
14 Day cooling off period – if you change your mind within 14 days of funding your new business savings account, your savings will be refunded

Minimum balance at all times – £1,000
An interest rate of 0.05% AER is payable on balances below £1,000
No additional deposits or withdrawals

Account

Aldermore Bank 6 Month Business Fixed Rate Bond

Interest Rate

3.57%
Gross/AER

Term

6 Months

Minimum Deposit

£1,000

More info

More Information About This Account

Deposit between £1,000 and £1,000,000
No fees or charges for day to day services
14 Day cooling off period – if you change your mind within 14 days of funding your new business savings account, your savings will be refunded

Minimum balance at all times – £1,000
An interest rate of 0.05% AER is payable on balances below £1,000
No additional deposits or withdrawals

Account

Aldermore Easy Access Business Savings

Interest Rate

3.66%
Gross/AER

Term

Easy Access

Minimum Deposit

£1,000

More info

More Information About This Account

Deposit between £1,000 – £1,000,000
Unlimited withdrawals free of charge (via online self service)
No fees or charges for day to day services
14 day cooling off period – if you change your mind within 14 days of funding your new business savings account, your savings will be refunded

Minimum balance at all times – £1,000
New account applications only be accepted from limited (or unlimited) companies. Existing Aldermore Business Savings customers that are sole traders and partnerships will be able to operate their existing accounts as normal

Account

Ampere Business Current Account

Details

Open a business account in minutes, giving you complete control of your funds from one app. Ampere offer the lowest exchange rates and lightning-fast transactions for secure payments

Debit Card

Monthly Account Fee

£20

More info

More Information About This Account

For companies of all shapes and sizes – designed to provide reliability, security, and
immense benefits
Available to start-ups, small and medium enterprises, newly registered businesses, companies with local or foreign directors and many more
Quick and easy foreign transactions and FX payments
Local transfer in GBP & EUR – £0.00. Incoming international transfer in GBP/EUR (SWIFT) – £25.00. Currency exchange (EUR/GBP, GBP/EUR) – 0.35% from the exchange amount
Access all business account features from your phone, PC or tablet anytime and anywhere
Merchant account – receive settlements twice a week and enjoy reduced costs, starting from 0.65%
Corporate & private debit card – with no monthly fees, pay in local currencies with flexible repayments
Business loans – apply for up to double monthly turnover after just three months of operating

You can open an account with Ampere if you are at least 18 years old, a UK and EU-based director with a UK registered enterprise (LTD, LLP, LP). Also you have to be a UK or EU resident
£35 Business Account setup fee
£20 Business Account maintenance per month
FSCS protection: Eligible deposits are covered up to £85,000 by the Financial Services Compensation Scheme

Account Details

Business Account which invests in ETF's, offering the potential to earn more on your cash reserves

Investment Choice

Choice of Managed Portfolios or Invest Yourself with a choice of 650+ exchange‑traded funds (ETFs)

Fees

0.25% pa for Managed portfolios (ETF costs also apply). DIY investing service is fee‑free (all you pay is ETF costs)

Covered by the Financial Services Compensation Scheme (FSCS)

More info

More information on this product

Invest in ETF’s, giving the opportunity of higher returns than a traditional savings account
Let InvestEngine build and manage an investment portfolio for you. Alternatively invest for yourself with a choice of 650+ exchange‑traded funds (ETFs) from iShares, Vanguard and other leading brands
Invest via a lump sum or regular savings plan (weekly, biweekly or monthly basis)
If you don’t already have a LEI, InvestEngine can provide one to customers for free for the first year and it will be applied automatically after you have funded your account with a minimum of £100
You can withdraw cash without notice and with no exit fees
Free tools to help you invest
InvestEngine’s Business Account is covered by the Financial Services Compensation Scheme (FSCS)

Minimum investment £100
Flat fee of just 0.25% a year for Managed portfolios (ETF costs also apply). DIY investing service is fee‑free, with no buying and selling costs and no account charges (all you pay is ETF costs).
Open to Limited companies and partnerships
If you are investing as a UK-based company, your returns are subject to the UK corporation tax regime
Capital at risk – The value of investments can go down as well as up so you may get back less than you invested.
Tax treatment depends on individual circumstances and all tax rules may change in the future.

Account

Allica Bank Business Rewards Account

Details

Up to 1.5% cashback on all eligible card spend and access to a 4.08% AER* (variable) integrated Savings Pot*

Debit Card

Monthly Fee

FREE

More info

*Terms and conditions apply

More information on this product

No monthly fees
Earn 1% cashback on your card spend and unlock 1.5% cashback on additional monthly card spend
Earn 4.08%* AER on your integrated Savings Pot
Get a dedicated relationship manager that will be with you every step of the way
Sync seamlessly with your Sage or Xero accounting software

FSCS Protected for eligible deposits up to £85,000
For businesses registered 1 year and over only. Keeping less than £50,000 in the account may earn a reduced rate of interest and may incur fees
T&Cs apply

Account

Airwallex Business Account

Details

All-in-one multi-currency business account for your global payments and financial operations

Debit Card

Monthly Account Fee

FREE

More info

Earn 10% cashback on your first $1,000 of international transactions with Airwallex*

More Information About This Account

Multi-currency accounts, high speed international transfers, borderless cards, expense management, and online payments—all in one platform
Open a global multi-currency account for international business payments in minutes
Create employee and company cards in minutes and stay in control of all purchases in real time all under one place
Streamline sending payments abroad to suppliers and employees around the world, and access market-leading international FX rates no matter the transaction size: 60+ countries where you can open local currency accounts, 180+ countries from which you can accept payments, 150+ countries to which you can make transfers at interbank rates
85% transfers arrive within the same day
Conveniently automate your online bill pay processes in one place
Accept payments from customers around the world via their preferred payment methods – no coding required
End-to-end expense management helps reconcile your corporate card expenses and reimbursements in one place, gain real-time visibility and control over employee spending, globally
Integrations with other popular platforms like Xero, Amazon, Shopify and more
The customer support offered to customers is top-tiered and is also award winning

In the United Kingdom, Airwallex’s operating company, Airwallex (UK) Limited (“Airwallex UK”) holds an Electronic Money Institution (EMI) license issued by the Financial Conduct Authority. EMIs must implement customer funds safeguarding procedures and measures that comply with rules set by the Financial Conduct Authority. As part of our EMI license, we have put in place ‘safeguarding’ measures to protect all of our customers’ funds in line with these rules
As Airwallex UK is not a bank and is not covered by the FSCS, in the event of our insolvency, customers will not be eligible for protection under the FSCS
*Start saving on everyday business expenses. Get rewarded with 10% cashback on your first $1,000 USD equivalent in eligible international card spend. See promotional terms & conditions for more information

Account

Wallester Business Account

Details

Physical and virtual corporate cards for efficient financial management

Debit Card

Monthly Fee

FREE (for basic plan)

More info

More information on this product

Wallester Business smart cards — a new level of corporate finance management. Instant issuance, flexible settings, payments monitoring, limit set-up — a set of functions for efficient budget control of your company
Pay with the cards wherever you are. Wallester Business payment cards are accepted in all countries using the VISA payment system
Make payments in EUR with no commission or other convenient currency — the conversion is automatic and made with the most beneficial exchange rate
Issue virtual cards in seconds and manage them in the mobile app
Create an unlimited number of physical cards with delivery to any part of the world

Set personal spending limits on cards
Perfect solution for online media buying
Connect the cards to contactless payment systems (Apple Pay, Google Pay, and others) to make fast and safe payments using mobile devices or smart-watches
Wallester Business lifetime access free
No hidden fees, no account or minimum balance fees, unlimited number of users, up to 300 virtual cards included
Onboarding assistance
Real-time support

Account

MultiPass Business Bank Account

Details

Apply today and enjoy intentionally simple business banking with MultiPass

Debit Card

Monthly Account Fee

From £23

More info

More Information About This Account

MultiPass is a bank challenger that offers multi-currency virtual IBANs, local EU, UK and US accounts as well as a corporate card to cover day-to-day business expenses
Transact in 30+ currencies across 180 countries. Get your own dedicated IBAN and local UK, EU & US accounts. Make fast multi-currency payments globally via SWIFT or local payment networks. 98% of payments are performed in under 24h
MultiPass gives you access to bank-beating exchange rates that guarantee significant savings versus traditional banks
Get local presence in 20+ countries. Use SEPA Instant (EUR), ACH (USD), Faster Payments (GBP) and other local payment channels to transact in foreign markets cheaper and faster

Benefit from personal manager support. A dedicated banking expert that understands your business nature with help you out with any questions and ensure smooth delivery or your payments
Onboard and manage your account entirely online, wherever you are
MultiPass is part of the Dyninno Group, an international holding with over 19 years of experience in the global market

Account

Tide Business Current Account

Details

Access to Instant Saver Account paying 4.33% AER. For companies of all shapes and sizes. Trusted by 130,000+ UK businesses

Debit Card

Monthly Account Fee

FREE

More info

Access to Instant Saver Account paying 4.33% AER*

*Open a free Tide business current account using referral code FAIRINVESTMENT and you can then open a Tide Instant Saver account in-app and start saving from just £1 (T&Cs apply)

More Information About This Account

Designed for growing businesses and freelancers
Free account opening in as little as 5 minutes
Free contactless Mastercard
No monthly or annual fees
Free card payments UK and abroad
Free transfers between external accounts for one year (20p per transfer thereafter)
Free transfers between Tide accounts
ATM cash withdrawals – £1
Cash Deposits – £1 at Post Office or 3% at PayPoint
1 in 12 business current accounts opened in the UK was with Tide, within a year launch

Mobile App Features:
Sync with accounting software such as Xero, QuickBooks, FreeAgent, Sage, KashFlow and Recko
Overview of your balance and all transactions listed in seconds
Auto categorisation for income and expenditure
Instant switching between separate accounts
Freeze and unfreeze card, get card PIN reminder and order a free replacement in seconds
Create and pay invoices
Access your account on any laptop or desktop

Account

OuiTrust Business Bank Account

Details

Open your multi-currency business account in minutes. Save money on international payments

Debit Card

Monthly Account Fee

FREE to Start

More info

More Information About This Account

OuiTrust Debit MasterCard
Transfer money across 100+ countries worldwide at a real exchange rate, with no hidden fees. Stay in control of your business finances
30+ Currencies Support for Your Global Business
Fees from £0.3 international and local transfer to more than 100 countries and free transfers between OuiTrust Business accounts
OuiTrust provides you with highly competitive exchange rates and locked-in exchange rates promptly for easier control of exchange rate risk
Up to £3 for a Single Payment to 18 Countries, one of the lowest SWIFT transfer fees in Europe, instant payment in EUR, CNY and GBP

Trusted by 50,000 Happy Customers
24/7 support
Monthly fee: Free to start, up to £19 for more advanced options

Account

Zempler Business Account

Details

Debit Card

Monthly Account Fee

No Monthly Fee

More info

More Information About This Account

Straightforward pricing – No annual or monthly fee
Deposit cash at any UK Post Office or deposit money via bank transfer
Use your card online and instore or to withdraw cash

Pay bills, suppliers and expenses online
Sort and categorise spending on the go via the Banking app
Retain control of employee spend and reconcile expenses. Integrated with leading accounting software
Zempler Bank, formerly Cashplus

Account

Card One Business Account

Details

Apply in minutes with no credit checks. Card One just need to verify your identity & residency. Suitable for businesses of all sizes

Debit Card

Monthly Account Fee

£12.50

More info

More Information About This Account

Card One aim to open your account in hours with no credit checks
Set up automatic payments for Direct Debits and Standing Orders, order up to 4 cards for your team and add money directly from your account
Set up international payments in a range of currencies with IBAN and SWIFT codes provided
Manage your business finances 24/7 online or in-app. Need to speak to someone? Customer service team is available Monday-Friday, 08:30-17:00
Export statements to accounting softwares including Xero, Sage, FreeAgent

Application Fee £55
Minimum monthly account fee of £12.50
UK registered business only. Primary account holder must be at least 18 years of age. Business owner/ UK residents only

Account

Anna Business Current Account

Details

ANNA Money is the business current account for startups, small businesses and sole traders

Debit Card

Monthly Account Fee

FREE for 6 months*

More info

More Information About This Account

Try ANNA free for six months
Set up your account in less than 10 minutes
Debit Mastercard® sent the same day
ANNA doesn’t offer credit, which means the process is different by design – it’s fast, and applying won’t affect your credit score
Direct debit support
UK-based chat support – 24/7

ANNA creates and sends sales invoices for you, and politely chases payments due too
ANNA also schedules payments of purchase invoices
Connect your personal and business current accounts from other banks to ANNA to view balance and payment history in the ANNA app
ANNA will be ready for Making Tax Digital (MTD)

*After six months monthly fee will start from £5

Account

Currensea Business Money Transfer Account

Services Offered

Currensea is a new way to globalise existing business bank accounts. Pay in every currency without the fees

Fee

No fee or commission

More info

More Information About This Account

Interbank rates, the best anywhere
No card charges, no FX fees
Exchange rate 0% above wholesale
Pay in all 180 currencies
Automatic integration with all accounting platforms
Virtual or physical World Debit card

Mobile app lets you track spending and monitor transactions
Set spend limits, freeze and unfreeze your card or view your pin
Partnering with all the major high-street banks, connecting securely through Open Banking
No hidden transaction fees, even at the weekend
Zero ATM withdrawal fee up to £500/month
Apply online and receive your card in 3 to 5 days

Type of Card

Moss Pre-Paid Business Card

Integrates with Accounting Systems

Details

Take charge of your company spend. Less paperwork, but more control over spend, faster month-end, and more accurate reporting

Plans Available

3 plans with variety of functionality

More info

Moss Pre-Paid Business MasterCard

More information on this product

Effortless invoice management, reliable reporting, and automated accounting – finance leaders use Moss to spend smarter
Approve, deny, or adjust card requests in seconds.
Track all expenses in real time – viewable in a detailed overview on the Moss App
Always know who’s using which card and why. Thanks to digital 1:1 mapping between cards, users and merchants, you control the whole payment process
Moss fetches receipts either by email or direct integration and automatically matches them to the correct card transaction
Reduce the risk of overspend and fraud by setting each card’s purpose and limit, customising usage and approval policies

Card limit reached? You can easily adjust it or deactivate the card, either manually or by setting up pre-defined rule
Automate your preparatory accounting – month end pre-accounting has never been simpler. Data extracted from card receipts combined with card or merchant-specific accounting rules allows you to quickly prepare and export your card spend in just a few clicks
Virtual and physical MasterCards available
Multi level security
Customisable plan packages available

Type of Card

Equals Money Prepaid Expense Card

Integrates with Accounting Systems

Details

Prepaid cards from Equals Money empower your team to spend and allow you to budget, monitor transactions, and set limits

Available to

Any registered business in the EU including Sole traders, SMEs, Charities, Trusts, PLCs, & Multinationals

More info

Equals Money Pre-Paid Business MasterCard

More information on this product

Take charge of your company’s spending with prepaid business expense cards. Set custom limits, monitor real-time transactions, and streamline expense management—all with an intuitive online platform designed for businesses like yours
Employee limits – keep your team on budget with customisable individual spending limits, transaction limits, and real-time transaction data
Centralise spending – review transactions, upload & view receipts, and instantly pause or resume cards, all from the easy-to-use online platform
Easy reconciliation – integrate with accounting software such as Xero and push purchase data to match accounts effortlessly

Standard business price of £50 per year
Equals Money – already helping over 30,000 companies

Income News

20th
Nov

Important Risk Information: This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future. Different types of investment carry different levels of risk and may not be suitable for all investors. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice. * Details of how the Financial Services Compensation Scheme applies to investment firms can be found at fscs.org.uk.

Fixed Income Investment Plans

Compare Investment & Savings Income Ideas

Investing for High Income

Deposit Taker: Barclays Bank plc

Deposit Taker: Barclays Bank plc

Income Fund Platforms

Pay no account fee for 6 months when you open an ii ISA. No minimum deposit required. Offer ends 31st December. Capital at risk. Terms & trading fees apply. New customers only

Income Savings Options

Earn £150 cash when you switch to a Santander Everyday current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

SPECIAL OFFER – Switch to a 1st Account and bank £175**

Earn £150 cash when you switch to a Santander Edge Up current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

Earn £150 cash when you switch to a Santander Edge current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

Deposit Taker: Goldman Sachs International Bank

Deposit Taker: Goldman Sachs International Bank

Deposit Taker: Barclays Bank plc

Deposit Taker: Barclays Bank plc

Deposit Taker: Barclays Bank plc

SPECIAL OFFER – Switch to a 1st Account and bank £175**

Earn £150 cash when you switch to a Santander Everyday current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

Earn £150 cash when you switch to a Santander Edge Up current account. To receive the £150, simply open an account, set up 2 direct debits and pay in £1,500 within 60 days. T&Cs apply*

SPECIAL OFFER: If you spend a total of £500 using your Santander debit or credit Mastercard, between 4 November and 4 December 2024, you’ll be entered into our Christmas prize draw where you could win 1 of 24 prizes. T&Cs Apply

Deposit Taker: Goldman Sachs International Bank

Deposit Taker: Barclays Bank plc

Deposit Taker: Goldman Sachs International Bank

Deposit Taker: Barclays Bank plc

Deposit Taker: Barclays Bank plc

Earn 10% cashback on your first $1,000 of international transactions with Airwallex*

Access to Instant Saver Account paying 4.33% AER*

Best Share Trading Platforms – Our Top 2024 Picks

MoneyFarm Review

Nutmeg Review