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.
Last updated: 21 September 2026
At a glance
19 providers compared for savings interest
- Interest rate type
- Access rules
- Protection
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.
Before you compare
What kind of savings account are you comparing?
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.
Compare the providers
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
App-based fixed and easy-access savings
Atom is a savings-focused app bank with easy-access, fixed-term and ISA-style savings routes in the project data.
Monthly feeN/ASavingsUp to 5.00% AER
Watch
It is not an everyday current account, and rates can change by product issue.
Barclays
Linked savings and ISA range
Barclays is worth comparing for rainy-day, everyday, reward-linked and ISA savings options alongside current accounts.
Monthly fee£0–£5SavingsUp to 4.55% AER
Watch
Eligibility and rates can depend on account setup and product type.
Chase UK
Everyday banking plus linked savings
Chase is useful if you want app-based spending and linked savings in one clean account setup.
Monthly feeFreeSavings2.25% AER standard; 4.50% AER boosted
Watch
Boosted or promotional rates can have conditions and end dates.
Co-operative Bank
High street savings and ethical banking
Co-operative Bank is relevant for instant access, fixed-rate, ISA, regular saver and children's savings routes in the project data.
Monthly fee£0–£15SavingsUp to 7.00% AER
Watch
Some savings products may be limited to existing current account customers.
First Direct
Linked saver and fixed savings routes
First Direct is worth comparing for regular saver, fixed rate and cash ISA options linked to a wider banking relationship.
Monthly fee£0SavingsUp to 7.00% AER
Watch
Check current rates, deposit limits and whether a current account is required.
Halifax
Broad Lloyds Group savings access
Halifax can suit people who want savings products from a familiar high street brand with current account links.
Monthly fee£0–£3SavingsUp to 8.00% AER
Watch
Rates, bonus periods and access rules vary by product.
HSBC
Savings alongside global banking
HSBC is worth comparing for savings products linked to a large high street and international banking relationship.
Monthly fee£0*SavingsUp to 5.00% AER
Watch
Premium or specialist savings products may have eligibility requirements.
Kroo
Current account interest and ISA route
Kroo is relevant if you want a current account with interest and a simple app-based savings route.
Monthly feeFreeSavings2.65% AER
Watch
Its savings range is narrower than specialist savings providers.
Lloyds Bank
Linked savers and Club Lloyds-style options
Lloyds is worth comparing for current-account-linked savers, regular saver routes and ISA options.
Monthly fee£0–£3SavingsUp to 8.00% AER
Watch
Some rates depend on account type, balance bands or eligibility.
Metro Bank
Branch-backed savings range
Metro Bank is relevant for instant access, cash ISA, young saver, fixed-term savings and fixed-rate cash ISA routes in the project data.
Monthly fee£0SavingsUp to 3.75% AER
Watch
Fixed products restrict access and early closure may carry interest penalties.
Monzo
Savings pots beside budgeting tools
Monzo is useful if you want savings pots and partner savings routes alongside everyday app budgeting.
Monthly feeFree accountSavingsUp to 3.65% AER
Watch
Check whether the savings provider is Monzo or a partner bank and how FSCS protection is applied.
Nationwide
Member-focused savings range
Nationwide is useful if you value a building society-style provider with current accounts and savings products.
Monthly fee£0–£18SavingsUp to 6.50% AER
Watch
Better rates may be limited to existing members, product windows or balance bands. Nationwide and Virgin Money share one FSCS limit since the 2 April 2026 transfer, so holding savings with both protects you once, not twice.
NatWest
Linked savings and reward banking
NatWest is worth comparing for regular saver, linked savings and high street banking in one relationship.
Monthly fee£0–£2SavingsUp to 5.25% AER
Watch
Check maximum monthly deposits, withdrawal rules and reward-account conditions.
Santander
Regular saver and cashback-style banking
Santander is relevant for linked savings, regular saver options and current accounts that may combine bills and rewards.
Monthly fee£0–£4SavingsUp to 8.00% AER
Watch
Rates can drop after introductory periods or depend on current account eligibility.
Starling Bank
Savings spaces with everyday banking
Starling can suit people who want savings organisation inside a full current account app.
Monthly feeFreeSavings4.00% AER introductory
Watch
It may not offer the highest savings rate compared with specialist savings providers.
Tandem
Savings-focused digital provider
Tandem is relevant for app-based savings and green finance, rather than everyday current account banking.
Monthly feeFreeSavingsUp to 4.90% AER
Watch
Check product availability, access rules and whether the rate is fixed or variable.
TSB
Linked pots, monthly saver and ISA products
TSB is worth comparing for linked Savings Pots, monthly saver, fixed-rate bonds, cash ISAs and children's savings.
Monthly fee£0–£3SavingsUp to 5.00% AER
Watch
Some rates depend on account type, withdrawal behaviour or introductory periods.
Virgin Money
Online savings and linked saver products
Virgin Money is relevant for online savings, cash ISA, fixed-rate and limited-access products.
Monthly fee£0–£12.50SavingsUp to 6.50% AER
Watch
Issue numbers, terms and rates can change, so use the live savings page before applying. Virgin Money transferred to Nationwide on 2 April 2026 and the two now share a single £120,000 FSCS limit.
Zopa
App-based savings, pots and credit products
Zopa is useful to compare for Smart Saver, access and fixed-term savings routes alongside its wider app banking range.
Monthly feeN/ASavingsUp to 4.65% AER
Watch
Cashback, interest and savings terms can change quickly.
Final checks
What 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?
For savings interest, we compare providers using practical checks such as interest rate type, access rules, protection, and deposit and withdrawal limits, alongside the provider information in our reviews.
Read how we review banks →Are the banks listed fairly?
Yes. The savings interest cards above are ordered to help you compare strengths, limitations and key checks — not to rank one provider above another.
Compare the full list →Continue researching
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