Interest rate type
Check whether the rate is fixed, variable, introductory or limited to a balance band.
Savings interest
Compare Banks for Savings Interest
Savings interest changes regularly, so a fair comparison should focus on product type, access rules, eligibility, FSCS protection and whether the rate is fixed, variable or introductory. This page highlights providers worth comparing rather than claiming one permanent highest-rate bank.
Reviewed 12 August 2026
What this page is
- Helps readers compare banks for savings interest 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.
Quick answer
Zopa, Atom, Tandem, Chase, Kroo, Monzo and Starling are useful digital providers to compare for app-based savings, while Barclays, Lloyds, NatWest, HSBC, Nationwide, Santander, Halifax, TSB, First Direct, Metro Bank, Virgin Money and Co-operative Bank are relevant for high street savings ranges. Always check the live provider rate before applying.
Start with the practical need
What kind of savings account are you comparing?
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.
Account-level comparison
Compare named savings products using the same fields
Choose factual features that matter to you. Results are shown alphabetically by default. Affiliate relationships never determine inclusion or position.
Jump to a bank
Choose a provider to move directly to its account details.
Showing 19 of 19 accounts with a complete standardised comparison record. The provider directory may contain additional reviewed banks. Filters narrow this list; they do not create a recommendation.
Savings product
Atom savings range
Atom Bank
Published savings rateUp to 4.85% AER
- Monthly fee
- £0
- AER and rate type
- Up to 4.85% AER
- Access rules
- Not applicable
- Banking access
- App only
- Eligibility
- Product, deposit and app criteria apply
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Product, deposit and app criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Premier Triple Access Cash ISA
Barclays
Published savings rateUp to 4.40% AER tax-free fixed
- Monthly fee
- £0
- AER and rate type
- Up to 4.40% AER tax-free fixed
- Access rules
- Limited withdrawals; term and access rules apply
- Banking access
- App, online, telephone and branches
- Eligibility
- Premier customers; product and balance criteria apply
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Premier customers; product and balance criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Chase Saver
Chase UK
Published savings rate2.25% standard; up to 4.50% boosted
- Monthly fee
- £0
- AER and rate type
- 2.25% standard; up to 4.50% boosted
- Access rules
- Not applicable
- Banking access
- App only
- Eligibility
- Requires an eligible Chase current account
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Requires an eligible Chase current account
Account fee
£0
Details checked 12 August 2026
Savings product
Regular Saver
Co-operative Bank
Published savings rate7.00% AER variable
- Monthly fee
- £0
- AER and rate type
- 7.00% AER variable
- Access rules
- Regular-saver deposit and access rules apply
- Banking access
- App, online, telephone and branches
- Eligibility
- Eligibility and monthly funding conditions apply
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Eligibility and monthly funding conditions apply
Account fee
£0
Details checked 12 August 2026
Savings product
Regular Saver
First Direct
Published savings rate7.00% AER fixed for 12 months
- Monthly fee
- £0
- AER and rate type
- 7.00% AER fixed for 12 months
- Access rules
- Regular-saver funding and withdrawal rules apply
- Banking access
- App, online and telephone
- Eligibility
- Requires an eligible First Direct banking relationship
- Deposit protection
- Eligible deposits protected under HSBC UK licence
Eligibility, deposits and access conditions
Who can apply
Requires an eligible First Direct banking relationship
Account fee
£0
Details checked 12 August 2026
Savings product
Regular Saver
Halifax
Published savings rate8.00% AER fixed
- Monthly fee
- £0
- AER and rate type
- 8.00% AER fixed
- Access rules
- Regular-saver deposit and term rules apply
- Banking access
- App, online, telephone and branches
- Eligibility
- Product and monthly funding criteria apply
- Deposit protection
- Eligible deposits protected; group limits apply
Eligibility, deposits and access conditions
Who can apply
Product and monthly funding criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Regular Saver
HSBC
Published savings rate5.00% AER fixed
- Monthly fee
- £0
- AER and rate type
- 5.00% AER fixed
- Access rules
- Regular-saver deposit and term rules apply
- Banking access
- App, online, telephone and branches
- Eligibility
- Requires an eligible HSBC current account
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Requires an eligible HSBC current account
Account fee
£0
Details checked 12 August 2026
Savings product
Kroo current-account interest
Kroo
Published savings rate2.65% AER
- Monthly fee
- £0
- AER and rate type
- 2.65% AER
- Access rules
- Not applicable
- Banking access
- App only
- Eligibility
- Eligible Kroo current-account customers
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Eligible Kroo current-account customers
Account fee
£0
Details checked 12 August 2026
Savings product
Club Lloyds Monthly Saver
Lloyds Bank
Published savings rate8.00% AER fixed for 12 months
- Monthly fee
- £0 savings fee
- AER and rate type
- 8.00% AER fixed for 12 months
- Access rules
- £25–£250 monthly funding; term rules apply
- Banking access
- App, online, telephone and branches
- Eligibility
- Requires an eligible Club Lloyds current account
- Deposit protection
- Eligible deposits protected; group limits apply
Eligibility, deposits and access conditions
Who can apply
Requires an eligible Club Lloyds current account
Account fee
£0 savings fee
Details checked 12 August 2026
Savings product
Fixed Term Savings
Metro Bank
Published savings rateUp to 3.75% AER fixed
- Monthly fee
- £0
- AER and rate type
- Up to 3.75% AER fixed
- Access rules
- Money is fixed for the selected term
- Banking access
- Online, telephone and stores; fixed access rules
- Eligibility
- Minimum deposit and product criteria apply
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Minimum deposit and product criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Monzo Savings Pots
Monzo
Published savings rateRates vary by Pot and plan
- Monthly fee
- £0 account available
- AER and rate type
- Rates vary by Pot and plan
- Access rules
- Not applicable
- Banking access
- App only
- Eligibility
- Requires an eligible Monzo account; product criteria apply
- Deposit protection
- Protection depends on the savings provider shown in-app
Eligibility, deposits and access conditions
Who can apply
Requires an eligible Monzo account; product criteria apply
Account fee
£0 account available
Details checked 12 August 2026
Savings product
Flex Regular Saver
Nationwide
Published savings rate6.50% AER variable for 12 months
- Monthly fee
- £0
- AER and rate type
- 6.50% AER variable for 12 months
- Access rules
- Up to £200 monthly; rate falls after the fourth withdrawal
- Banking access
- App and online; product conditions apply
- Eligibility
- Nationwide current-account holders aged 16+ applying online
- Deposit protection
- Eligible deposits protected; group limits apply
Eligibility, deposits and access conditions
Who can apply
Nationwide current-account holders aged 16+ applying online
Account fee
£0
Details checked 12 August 2026
Savings product
Digital Regular Saver
NatWest
Published savings rate5.25% AER variable on up to £5,000
- Monthly fee
- £0
- AER and rate type
- 5.25% AER variable on up to £5,000
- Access rules
- Monthly funding and balance-band rules apply
- Banking access
- App and online
- Eligibility
- Requires an eligible NatWest current account
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Requires an eligible NatWest current account
Account fee
£0
Details checked 12 August 2026
Savings product
Regular Saver
Santander
Published savings rate8.00% AER variable including 12-month bonus
- Monthly fee
- £0
- AER and rate type
- 8.00% AER variable including 12-month bonus
- Access rules
- Regular-saver funding and bonus rules apply
- Banking access
- App, online, telephone and branches
- Eligibility
- Linked-account and product criteria apply
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Linked-account and product criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Easy Saver
Starling Bank
Published savings rate4.00% AER introductory
- Monthly fee
- £0
- AER and rate type
- 4.00% AER introductory
- Access rules
- Includes a 1.50% fixed bonus for the first 12 months
- Banking access
- App only; easy access
- Eligibility
- Eligible new Easy Saver accounts; app criteria apply
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Eligible new Easy Saver accounts; app criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Tandem savings range
Tandem
Published savings rateUp to 4.81% AER
- Monthly fee
- £0
- AER and rate type
- Up to 4.81% AER
- Access rules
- Not applicable
- Banking access
- App only
- Eligibility
- Product, deposit and app criteria apply
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Product, deposit and app criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Monthly Saver
TSB
Published savings rate5.00% AER fixed
- Monthly fee
- £0
- AER and rate type
- 5.00% AER fixed
- Access rules
- Monthly funding and term conditions apply
- Banking access
- App, online, telephone and branches
- Eligibility
- Product and funding criteria apply
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Product and funding criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Double Take E-Saver
Virgin Money
Published savings rate4.16% AER variable
- Monthly fee
- £0
- AER and rate type
- 4.16% AER variable
- Access rules
- Up to two withdrawals per calendar year
- Banking access
- Online; limited access
- Eligibility
- Online product and deposit criteria apply
- Deposit protection
- Eligible deposits protected; group limits apply
Eligibility, deposits and access conditions
Who can apply
Online product and deposit criteria apply
Account fee
£0
Details checked 12 August 2026
Savings product
Regular Saver
Zopa
Published savings rate7.10% AER variable
- Monthly fee
- £0
- AER and rate type
- 7.10% AER variable
- Access rules
- Regular-saver funding and access rules apply
- Banking access
- App only
- Eligibility
- Requires an eligible Biscuit current account
- Deposit protection
- Eligible deposits protected
Eligibility, deposits and access conditions
Who can apply
Requires an eligible Biscuit current account
Account fee
£0
Details checked 12 August 2026
Rates, offers, fees and eligibility can change. Check the provider's account page before applying. FSCS protection refers to eligible deposits and is subject to scheme and banking-licence limits.
Banks to Compare
Review each bank's strengths, limitations and key checks for this guide. The order does not imply an overall ranking.
Atom BankAtom is a savings-focused app bank with easy-access, fixed-term and ISA-style savings routes in the project data.Trust scoreNot ratedMonthly feeCheck accountSavingsSee reviewView Atom Bank Overview Updated 12 August 2026BarclaysBarclays is worth comparing for rainy-day, everyday, reward-linked and ISA savings options alongside current accounts.Trust score4.1/5Monthly fee£0–£5SavingsUp to 4.40% AERView Barclays Overview Updated 12 August 2026Chase UKChase is useful if you want app-based spending and linked savings in one clean account setup.Trust score3.6/5Monthly feeFreeSavings2.25% standard; 4.50% boostedView Chase UK Overview Updated 12 August 2026Co-operative BankCo-operative Bank is relevant for instant access, fixed-rate, ISA, regular saver and children's savings routes in the project data.Trust score4.5/5Monthly fee£0–£15SavingsUp to 7.00% AERView Co-Op Bank Overview Updated 12 August 2026First DirectFirst Direct is worth comparing for regular saver, fixed rate and cash ISA options linked to a wider banking relationship.Trust score4.5/5Monthly fee£0SavingsUp to 7.00% AERView First Direct Overview Updated 12 August 2026HalifaxHalifax can suit people who want savings products from a familiar high street brand with current account links.Trust score1.7/5Monthly fee£0–£3SavingsUp to 8.00% AERView Halifax Overview Updated 12 August 2026HSBCHSBC is worth comparing for savings products linked to a large high street and international banking relationship.Trust score4.4/5Monthly fee£0*SavingsUp to 5.00% AERView HSBC Overview Updated 12 August 2026KrooKroo is relevant if you want a current account with interest and a simple app-based savings route.Trust score4.1/5Monthly feeFreeSavings2.65% AERView Kroo Overview Updated 12 August 2026Lloyds BankLloyds is worth comparing for current-account-linked savers, regular saver routes and ISA options.Trust score4.1/5Monthly fee£0–£3SavingsUp to 8.00% AERView Lloyds Bank Overview Updated 12 August 2026Metro BankMetro Bank is relevant for instant access, cash ISA, young saver, fixed-term savings and fixed-rate cash ISA routes in the project data.Trust score2.6/5Monthly fee£0SavingsUp to 3.75% AERView Metro Bank Overview Updated 12 August 2026MonzoMonzo is useful if you want savings pots and partner savings routes alongside everyday app budgeting.Trust score4.6/5Monthly feeFree accountSavingsUp to 3.65% AERView Monzo Overview Updated 12 August 2026NationwideNationwide is useful if you value a building society-style provider with current accounts and savings products.Trust score2.1/5Monthly fee£0–£18SavingsUp to 6.50% AERView Nationwide Overview Updated 12 August 2026NatWestNatWest is worth comparing for regular saver, linked savings and high street banking in one relationship.Trust score1.5/5Monthly fee£0–£2SavingsUp to 5.25% AERView NatWest Overview Updated 12 August 2026SantanderSantander is relevant for linked savings, regular saver options and current accounts that may combine bills and rewards.Trust score3.1/5Monthly fee£0–£4SavingsUp to 8.00% AERView Santander Overview Updated 12 August 2026Starling BankStarling can suit people who want savings organisation inside a full current account app.Trust score4.3/5Monthly feeFreeSavingsUp to 4.00% AERView Starling Bank Overview Updated 12 August 2026TandemTandem is relevant for app-based savings and green finance, rather than everyday current account banking.Trust score4.3/5Monthly feeFreeSavingsUp to 4.81% AERView Tandem Overview Updated 12 August 2026TSBTSB is worth comparing for linked Savings Pots, monthly saver, fixed-rate bonds, cash ISAs and children's savings.Trust score3.9/5Monthly fee£0–£3SavingsUp to 5.00% AERView TSB Overview Updated 12 August 2026Virgin MoneyVirgin Money is relevant for online savings, cash ISA, fixed-rate and limited-access products.Trust score3.1/5Monthly fee£0–£12.50SavingsUp to 4.16% AERView Virgin Money Overview Updated 12 August 2026ZopaZopa is useful to compare for Smart Saver, access and fixed-term savings routes alongside its wider app banking range.Trust score4.6/5Monthly feeN/ASavingsUp to 7.10% AERView Zopa Overview Updated 12 August 2026What to check before choosing
- Check whether the rate is fixed, variable, introductory or limited to a balance band.
- Compare easy-access, limited-access, notice, regular saver, fixed-term and ISA rules separately.
- Check minimum deposits, maximum balances, monthly funding limits and withdrawal penalties.
- Confirm the authorised firm and FSCS protection before holding larger balances.
- Use provider pages for live AER because savings rates can change quickly.
FAQs
Frequently Asked Questions
Quick answers before you compare banks.
How should I use this savings interest guide?
Zopa, Atom, Tandem, Chase, Kroo, Monzo and Starling are useful digital providers to compare for app-based savings, while Barclays, Lloyds, NatWest, HSBC, Nationwide, Santander, Halifax, TSB, First Direct, Metro Bank, Virgin Money and Co-operative Bank are relevant for high street savings ranges. Always check the live provider rate before applying.
Compare UK banksWhat should I check before choosing?
Check whether the rate is fixed, variable, introductory or limited to a balance band. Compare easy-access, limited-access, notice, regular saver, fixed-term and ISA rules separately. Check minimum deposits, maximum balances, monthly funding limits and withdrawal penalties.
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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