#1 - Savings and credit in one app
Zopa
Zopa is strong for app-based savings, savings pots and linked credit products.
SavingsPotsFSCS
Watch: Rates and regular saver rules can change quickly.
Updated June 2026 - Savings
Best Digital Banks for SavingsUK guide for 2026
Savings rates change often, so this guide focuses on the providers worth comparing and the features that matter: easy access, fixed terms, regular savers, pots and protection.
Quick answer
Zopa, Atom and Tandem are strong savings-focused providers, while Monzo, Starling and Chase are useful if you want savings features linked to everyday spending.
Top picks to compare
Ranked by practical fit for this specific use case.
#2 - Fixed-rate savings
Atom Bank
Atom is worth comparing if you want app-based fixed-rate savings rather than a full current account.
Fixed savingsApp-basedFSCS
Watch: It is savings and mortgage focused, not an everyday spending account.
#3 - Savings-focused users
Tandem
Tandem is focused on savings and green finance rather than everyday current account tools.
SavingsGreen financeFSCS
Watch: It does not replace a full current account for spending and budgeting.
#4 - Everyday banking plus savings
Chase UK
Chase is useful if you want simple saver accounts linked to a clean current account app.
Saver accountsCashbackFSCS
Watch: Savings offers and boosted rates can be eligibility-based and time-sensitive.
#5 - Savings pots with budgeting
Monzo
Monzo is helpful if you want savings pots alongside budgeting tools and everyday banking.
PotsBudgetingFSCS
Watch: Check whether the savings product is provided by Monzo or a partner bank.
What to check before choosing
- Check whether the rate is fixed or variable.
- Check withdrawal limits and notice periods.
- Check whether the provider or a partner bank holds the savings.
- Check FSCS licence grouping before holding large balances.
Trust and sourcing note
Rates, fees and eligibility can change. We use provider information, bank reviews and our review process to keep these guides useful, but always check the provider before applying.
Continue researching
Related reviews and guides
Compare banks side-by-side
Use the full comparison table to compare fees, protection, savings, travel and everyday features.