£ lazypounds

Savings rates

The rates we track, highest first. Every rate comes from the bank's or building society's own website or Summary Box, and we check them every few hours.

This isn't financial advice. The options are sorted by AER only, and which account suits you is your choice. Some links may be affiliate links: we label them, and they never change the order.

How we check rates
Verified
Two of the provider's own documents agree, for example its account page and its Summary Box.
1 source
Read from one of the provider's own pages.

We only list rates checked in the last 48 hours. The provider's own page has the full terms: check it before you open an account.

Hides accounts that need more to open

Showing all 62 accounts.

Easy access

Account AER Terms Protection Source
4.35%
  • Includes a 1.35% bonus for 3 months
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with OakNorth Bank plc.

Checked

OakNorth Bank website

4.30%
  • Includes a 1.95% bonus for 12 months
  • 3 withdrawals a year
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Principality Building Society.

Checked

Principality Building Society website

4.25%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Charter Court Financial Services Limited.

Checked

Charter Savings Bank website

4.18%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Hampshire Trust Bank Plc.

Checked

Hampshire Trust Bank website
Summary Box

3.99%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with FCE Bank Plc.

Checked

Ford Money website
Summary Box

3.95%
  • Open with £100
 FSCS protection up to £120,000 per person, shared across all your accounts with RCI Bank UK Limited.

Checked

RCI Bank website

3.75%
  • Open with £1
 Backed 100% by HM Treasury, not by the FSCS, so there is no limit.

Checked

NS&I website

3.75%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Secure Trust Bank PLC.

Checked

Secure Trust Bank website

3.75%
  • Open with £5,000
 FSCS protection up to £120,000 per person, shared across all your accounts with United Trust Bank Limited.

Checked

United Trust Bank website

3.52%
  • Open with £25,000
  • Managed in the app only
 FSCS protection up to £120,000 per person, shared across all your accounts with Monument Bank Limited.

Checked

Monument Bank website

3.25%
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Vanquis Bank Limited.

Checked

Vanquis Bank website
Summary Box

2.70%
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Shawbrook Bank Limited.

Checked

Shawbrook Bank website
Summary Box

2.65%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Gatehouse Bank Plc.

Checked

Gatehouse Bank website

2.50%
  • Managed in the app only
 FSCS protection up to £120,000 per person, shared across all your accounts with Atom Bank PLC.

Checked

Atom bank website

2.30% See the provider's page FSCS protection up to £120,000 per person, shared across all your accounts with Nationwide Building Society.

Checked

Nationwide Building Society website

2.25%
  • Open with £100
 FSCS protection up to £120,000 per person, shared across all your accounts with Aldermore Bank Plc.

Checked

Aldermore website
Summary Box

2.05%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Skipton Building Society.

Checked

Skipton Building Society website

2.00%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Coventry Building Society.

Checked

Coventry Building Society website

2.00%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Santander UK plc.

Checked

Santander website

1.80%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Newcastle Building Society.

Checked

Newcastle Building Society website
Summary Box

1.60%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Furness Building Society.

Checked

Furness Building Society website

1.45%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Leeds Building Society.

Checked

Leeds Building Society website

1.40%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with The Co-operative Bank p.l.c..

Checked

The Co-operative Bank website

1.30%
  • Open with £100
 FSCS protection up to £120,000 per person, shared across all your accounts with The Cambridge Building Society.

Checked

The Cambridge Building Society website

1.05%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with HSBC UK Bank plc.

Checked

first direct website

1.05%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with HSBC UK Bank plc.

Checked

HSBC website

1.00%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Barclays Bank UK PLC.

Checked

Barclays website

1.00% See the provider's page FSCS protection up to £120,000 per person, shared across all your accounts with National Westminster Bank Plc.

Checked

NatWest website

1.00% See the provider's page FSCS protection up to £120,000 per person, shared across all your accounts with Royal Bank of Scotland plc.

Checked

Royal Bank of Scotland website

1.00%
  • Includes a 0.10% bonus for 12 months
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with TSB Bank plc.

Checked

TSB website
Summary Box

0.90%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with The Chorley and District Building Society.

Checked

Chorley Building Society website
Summary Box

0.90% See the provider's page FSCS protection up to £120,000 per person, shared across all your accounts with Metro Bank PLC.

Checked

Metro Bank website
Summary Box

Notice accounts

Account AER Terms Protection Source
4.21%
  • 90 days' notice to withdraw
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Secure Trust Bank PLC.

Checked

Secure Trust Bank website

4.12%
  • 95 days' notice to withdraw
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with OakNorth Bank plc.

Checked

OakNorth Bank website

4.05%
  • 45 days' notice to withdraw
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Aldermore Bank Plc.

Checked

Aldermore website
Summary Box

4.00%
  • 14 days' notice to withdraw
  • Open with £100
 FSCS protection up to £120,000 per person, shared across all your accounts with RCI Bank UK Limited.

Checked

RCI Bank website

3.67%
  • 30 days' notice to withdraw
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Vanquis Bank Limited.

Checked

Vanquis Bank website
Summary Box

3.40%
  • 95 days' notice to withdraw
  • Open with £500
 FSCS protection up to £120,000 per person, shared across all your accounts with Gatehouse Bank Plc.

Checked

Gatehouse Bank website

3.25%
  • 95 days' notice to withdraw
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Hampshire Trust Bank Plc.

Checked

Hampshire Trust Bank website
Summary Box

3.00%
  • 150 days' notice to withdraw
 FSCS protection up to £120,000 per person, shared across all your accounts with Furness Building Society.

Checked

Furness Building Society website

2.85%
  • 120 days' notice to withdraw
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with The Chorley and District Building Society.

Checked

Chorley Building Society website
Summary Box

Fixed-rate bonds

Account AER Terms Protection Source
5.08%
  • Fixed for 12 months
 FSCS protection up to £120,000 per person, shared across all your accounts with Vanquis Bank Limited.

Checked

Vanquis Bank website
Summary Box

4.88%
  • Fixed for 12 months
  • No withdrawals
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Aldermore Bank Plc.

Checked

Aldermore website
Summary Box

4.60%
  • Fixed for 12 months
  • Open with £500
 FSCS protection up to £120,000 per person, shared across all your accounts with FCE Bank Plc.

Checked

Ford Money website
Summary Box

4.55%
  • No withdrawals
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Secure Trust Bank PLC.

Checked

Secure Trust Bank website

4.50%
  • Fixed for 12 months
  • No withdrawals
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Furness Building Society.

Checked

Furness Building Society website

4.50%
  • Fixed for 12 months
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with RCI Bank UK Limited.

Checked

RCI Bank website

4.40%
  • Fixed for 12 months
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with The Cambridge Building Society.

Checked

The Cambridge Building Society website

4.20%
  • Fixed for 12 months
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Gatehouse Bank Plc.

Checked

Gatehouse Bank website

4.00%
  • No withdrawals
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with The Chorley and District Building Society.

Checked

Chorley Building Society website
Summary Box

Easy access cash ISAs

Account AER Terms Protection Source
4.34%
  • Includes a 0.60% bonus for 12 months
  • Open with £10,000
  • Managed in the app only
 FSCS protection up to £120,000 per person, shared across all your accounts with Monument Bank Limited.

Checked

Monument Bank website

4.25%
  • Managed in the app only
 FSCS protection up to £120,000 per person, shared across all your accounts with Atom Bank PLC.

Checked

Atom bank website

4.10%
  • 2 withdrawals a year
  • Open with £100
 FSCS protection up to £120,000 per person, shared across all your accounts with The Cambridge Building Society.

Checked

The Cambridge Building Society website

4.06%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Hampshire Trust Bank Plc.

Checked

Hampshire Trust Bank website
Summary Box

3.99%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with FCE Bank Plc.

Checked

Ford Money website
Summary Box

3.25%
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Vanquis Bank Limited.

Checked

Vanquis Bank website
Summary Box

2.75%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with OakNorth Bank plc.

Checked

OakNorth Bank website

2.60%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Gatehouse Bank Plc.

Checked

Gatehouse Bank website

2.25%
  • Open with £1,000
 FSCS protection up to £120,000 per person, shared across all your accounts with Aldermore Bank Plc.

Checked

Aldermore website
Summary Box

1.60%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with Furness Building Society.

Checked

Furness Building Society website

0.90%
  • Open with £1
 FSCS protection up to £120,000 per person, shared across all your accounts with The Chorley and District Building Society.

Checked

Chorley Building Society website
Summary Box

Fixed-rate cash ISAs

Account AER Terms Protection Source
4.30%
  • Fixed for 12 months
  • Open with £5,000
 FSCS protection up to £120,000 per person, shared across all your accounts with United Trust Bank Limited.

Checked

United Trust Bank website

Not shown: Al Rayan Bank, Bank of Scotland, Chase, Chelsea Building Society, Close Brothers Savings, Cynergy Bank, Halifax, Investec, Kent Reliance, Lloyds Bank, Monzo, Norwich & Peterborough Building Society, Nottingham Building Society, Paragon Bank, Starling Bank, Tandem Bank, Virgin Money, Yorkshire Building Society and Zopa. We can't read their rates from their websites, but you can still add your accounts with them to Your savings.