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Updated 3 July 2026 - Savings
Digital Banks for SavingsWhat to compare in 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.
What this page is
- Helps readers compare banks for savings using features, fees, protection and practical fit.
- Highlights watch-outs and links to wider comparison pages before readers choose a provider.
What this page is not
- Does not provide personalised financial advice or guarantee eligibility for any account or product.
- Does not replace checking live provider rates, fees, terms and protection wording before applying.
What to compare first
Before looking at individual banks, check the features, fees and limitations that matter most for this type of account.
Access rules
Compare easy-access, notice and fixed-term rules before assuming money is flexible.
Protection
Confirm FSCS status, provider licence details and whether brands share protection limits.
Deposit and withdrawal limits
Check minimum balances, maximum deposits, withdrawal penalties and transfer timing.
Banks to Compare
Review each bank's strengths, limitations and key checks for this guide. The order does not imply an overall ranking.
Atom Bank
Fixed-rate savings
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.
Chase UK
Everyday banking plus savings
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.
Kroo
Also compare for savings
Kroo is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Digital bankReview includedCompare
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Monese
Also compare for savings
Monese is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Digital bankReview includedCompare
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Monzo
Savings pots with budgeting
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.
Revolut
Also compare for savings
Revolut is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Digital bankReview includedCompare
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Starling Bank
Also compare for savings
Starling is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Digital bankReview includedCompare
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Tandem
Savings-focused users
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.
Wise
Also compare for savings
Wise is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Digital bankReview includedCompare
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Zempler Bank
Also compare for savings
Zempler is included so this guide covers every digital bank we currently review, even where it may not be the strongest option for this specific need.
Digital bankReview includedCompare
Watch
Check the provider's current account, fees, eligibility, protection and product terms before choosing.
Zopa
Savings and credit in one app
Zopa is strong for app-based savings, savings pots and linked credit products.
SavingsPotsFSCS
Watch
Rates and regular saver rules can change quickly.
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.
FAQs
Frequently Asked Questions
Quick answers before you compare banks.
How should I use this savings guide?
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.
Compare banks →What should I 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.
Continue researching →How does BankAdvisor compare banks?
We compare banks using provider information, review criteria and practical checks such as fees, features, protection, eligibility and limitations.
Read how we review banks →Are the banks listed fairly?
Yes. The cards are intended to help readers compare strengths, limitations and key checks. The order does not imply an overall ranking.
Compare the full list →Continue researching
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Use the full comparison table to compare fees, protection, savings, travel and everyday features.