Savings Accounts

• 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 1.35% gross/ AER variable
• Post Office Online Saver is provided by Bank of Ireland UK
• Must be UK resident
• Must be aged 18 or older

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

• Must be UK resident and be aged 18 or older

• 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

• 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)

• 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)

• 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

• *New customers use promo code CHIPINSTANT and deposit at least £1 within 14 days to receive a three month 1.26% AER boost to standard 3.50% AER rate
• 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

• After six month boost period rate drops to standard rate
• Must be UK resident
• Must be aged 18 or older

• 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

• 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

• 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

• 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)

• 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)

• Tracks Bank of England Base Rate (25 bps under)
• Unlimited payments and withdrawals
• Interest paid annually
• Open in a single or a joint name
• Maximum deposit £1,000,000
• FSCS Protected
• Winner of Platinum Feefo Trusted Service Award in 2024

• Interest paid on account balances over £20,000. No interest paid if balance is below
• Must be UK resident
• Must be aged 18 or older

• 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

• Unlimited withdrawals subject to 95 days notice
• Must be UK resident and be aged 18 or older

• 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 1.75% AER/gross p.a. (variable)
• Not available in branch

• 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

• 3 penalty-free withdrawals in a 12 month period
• 3.56% AER/3.50% gross
• Interest paid monthly
• Deposit and withdraw almost instantly
• No fees or charges for holding account
• FSCS eligible on your deposits

• 2.46% AER if 4 or more withdrawals are made within 12 months
• Must be UK resident
• Must be aged 18 or older

• Interest paid on maturity
• 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

• Interest paid at maturity
• 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

• 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

• 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

• Interest paid on maturity
• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• *The Moneybox Cash ISA includes a 4.20% AER variable underlying rate and a bonus rate of 1.47% for the first 3 months. Up to three withdrawals can be made within each 12-month period from the date of opening without affecting the interest rate
• Customers can transfer in any ISAs they hold with other providers into a Moneybox Cash ISA, on web and 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

• *Includes a bonus of 2.06% AER (variable) if account held for 3 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 – 3.54% AER (variable)
• Rate for each 12-month period after your first 3 months – 3.54% AER (variable)
• Rate when balance drops below £100 or after your fourth annual withdrawal – 2.50% AER (variable)
• Must be UK resident and be aged 18 or older

• *Sign up to Chip and enter the rate boost promo code CHIPCASHISA deposit at least £1 within 14 calendar days and you will get a boosted rate of 1.58% AER on top of your Chip Cash ISA account (basic rate 4.32% AER) for 3 months 
• Interest paid monthly
• Built to move inline with Bank of England base rate
• Unlimited deposits and withdrawals
• Flexible ISA: withdraw and deposit as many times as you like, without it affecting your annual ISA allowance
• ISA transfers also allowed in
• Open in minutes: No forms, no fuss. All you need is an existing bank account and your National Insurance number

• Covered by FSCS
• Must be UK resident and be aged 18 or older

• No introductory rates, penalties or fees
• Unlimited deposits and withdrawals
• Transfer in any ISAs you hold with other providers
• Interest accumulates daily, and is paid into your account every month
• All money in your Cash ISA is held securely with partner banks Barclays & Bank of Scotland who are covered by the FSCS
• Rated ‘Excellent’ on Trustpilot

• Variable rate of interest
• Must be UK resident and be aged 18 or older

• The Moneybox Open Access Cash ISA includes a 3.95% AER variable underlying rate and a bonus rate of 0.62% for the first 12 months
• Unlimited withdrawals
• Customers can transfer in any ISAs they hold with other providers into a Moneybox Open Access Cash ISA, on web and in-app
• Covered by FSCS

• A lower rate of 0.75% (variable) will be applied if balance drops below £500
• Must be UK resident and be aged 18 or older

• Lightyear’s Cash ISA pays whatever the current Bank of England base rate is (currently 4.50%)
• Unlimited deposits within HMRC ISA limits, and withdrawals
• Transfer in any ISAs you hold with other providers
• Flexible ISA: withdraw and repay into the same ISA in the same tax year without it counting towards your annual allowance
• Interest earned daily, paid monthly

• Variable rate of interest, will move in line with Bank of England base rate
• Must be UK resident and be aged 18 or older
• Lightyear Cash ISA money is invested into QMMFs and therefore capital is at risk

• 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

• 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

• Make up to one withdrawal during the 12-month term of this account
• Flexible ISA: Withdraw money from your ISA account and pay it back in later. It will not affect your annual allowance, if it’s done in the same tax year
• Open from just £1 or transfer in existing ISA funds
• Manage your account online
• Interest paid at maturity
• FSCS Protected

• The interest rate is variable and can go up or down
• Must be UK resident and aged 18 or older

• 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

• Interest paid at maturity
• ISA transfers also allowed in
• Tax free interest
• FSCS Protected

• Must be UK resident and be aged 18 or older
• No withdrawals permitted
• Closure permitted with 90 days’ loss of interest

• 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

• 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 90 days lost interest

• Unlimited deposits and withdrawals
• 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

• 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

• 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 180 days lost interest

• 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 1.75% AER/gross p.a. (variable)
• Not available in branch

• 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 240 days lost interest

• 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 365 days lost interest

• 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

• 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

• 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

• 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

• 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)

• 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)

• 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

• Unlimited withdrawals subject to 95 days notice
• Must be UK resident and be aged 18 or older

• 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

• *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

• Access to Digital Regular Saver – deposit £1-£150pm, 6.00% Gross/6.17% AER pa (variable) on 1st £5k, 1.49% Gross/1.50% 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

• 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

• 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)

• 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

• Access to Digital Regular Saver – deposit £1-£150pm, 6.00% Gross/6.17% AER pa (variable) on 1st £5k, 1.49% Gross/1.50% 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

•  *Earn £4 in Rewards for 2 or more Direct Debits (2 of the Direct Debits need to be +£2 each) and £1 with 1 mobile app log in
• Earn Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners
• 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’
• Arranged overdraft available (subject to eligibility and lending criteria)
• Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit

• 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
• You need to also pay in £1,250 to an eligible NatWest account every month
• £2 monthly fee applies
• 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

• 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

• 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

• 0.36% income per month (equivalent to 4.32% 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
• Covered by the FSCS (Financial Services Compensation Scheme)
• Available for 2024/25 and 2025/26 cash ISA, ISA transfer and direct investment
• Deadline for ISA transfer applications – 2 April 2025
• Deadline for 2024/25 ISA transfer applications – 4 April 2025
• Deadline for Direct & 2025/26 ISA applications – 23 April 2025

• 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

• 10% fixed return if the FTSE 100 Index ends the same or higher than 90% of Starting Level
• 2 year term
• Short term alternative to fixed rates
• Covered by the FSCS (Financial Services Compensation Scheme)
• Available for 2024/25 and 2025/26 cash ISA, ISA transfer and direct investment
• Deadline for ISA transfer applications – 2 April 2025
• Deadline for 2024/25 ISA transfer applications – 4 April 2025
• Deadline for Direct & 2025/26 ISA applications – 23 April 2025

• 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

• Earn up to 4.58% AER (variable)* on your integrated Savings Pot, interest paid monthly
• Unlimited withdrawals
• No monthly fees
• Eligible customers are covered by the FSCS for £85,000

• *Rate includes standard rate of 3.58% AER (minimum balance applies) plus a 0.5% boost each month if you make 15 bank transfers out of the account in the previous month, and a 0.5% boost for six months if you complete a successful switch with the CASS. Eligibility criteria and T&Cs apply
• Your business must be based in the UK and have been incorporated for at least 12 months and you must have £50,000 minimum balance OR have a loan product with Allica

• 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

• 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

• 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

• 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

• 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

• Interest paid annually
• Maximum deposit £750,000
• 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
• Withdrawals subject to 95 days notice

• 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.

• Earn up to 4.58% AER (variable)* on your company’s spare cash and up to 1.5% cashback on eligible card spend
• No monthly fees
• Get a dedicated Relationship Manager that will be with you every step of the way
• Sync seamlessly with your Sage or Xero accounting software

• Eligible customers are covered by the FSCS for £85,000
• Your business must be based in the UK and have been incorporated for at least 12 months and you must have £50,000 minimum balance OR have a loan product with Allica
• Businesses keeping less than £50,000 in their account will earn a reduced rate of interest and may incur fees

• 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

• 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

• 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

• 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

• 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

• 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

• 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

• 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 

• 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