Miles On Money

Savings

Top savings rates right now

Top rates, sorted by rate, highest first. Every rate is checked on the provider's own page and dated, and any exception says so on its row. This is a list of rates, not a recommendation: the right account depends on how much you have and when you'll need it.

ISA rules in plain EnglishHow we check rates

Easy-access cash ISAs

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A cash ISA you can pay into and take money out of whenever you like, with the interest free of UK tax. Rates are variable and can change at any time, so it generally suits money you may need at short notice.

AccountAERTypeAccessNotes
PlumCash ISA 4.55%includes a 2.01% bonus for the first 12 months Variable Withdraw any time Plum is an app, not a bank: cash is held with partner banks that are FSCS covered. Rate drops to 2.54% after 12 months. Bonus only paid if you keep the account for 12 months and meet Plum's conditions. Money transferred in from another ISA earns a lower 3.75%.App onlyFlexible ISATakes transfers in See provider
ChipSmart Cash ISA 4.50%includes a 1.00% new-customer boost for 12 months Variable Unlimited withdrawals, paid out next working day Chip is an app, not a bank: cash is spread across UK partner banks, FSCS covered per bank. New customers only. Falls to 3.50% after 12 months, and tracks the Bank of England base rate. Page did not say whether ISA transfers in are accepted.App onlyFlexible ISA See provider
Bank of Ireland UKOnline ISA: Easy Access 4.30%includes a fixed 3.40% bonus for the first 12 months Variable Easy access Drops to 0.90% AER when the 12-month bonus ends. Over-18s.Min £100 See provider
Charter Savings BankEasy Access Cash ISA (Issue 82) 4.26% Variable Withdraw any time, to your nominated account only Online only. Not flexible: money taken out can't be put back without using more allowance.Takes transfers in See provider
Atom bankEasy Access Cash ISA 4.25% Variable Unlimited withdrawals App only. No ISA transfers in for now. Not flexible. No introductory bonus, so the rate is not set to drop after a year.App onlyNo transfers in See provider
Post OfficeOnline ISA: Easy Access 4.25%includes a fixed 3.35% bonus for 12 months Variable Easy access Drops to 0.90% AER when the 12-month bonus ends. See provider
Tesco BankInstant Access Cash ISA 4.20%includes a fixed 3.15% bonus for 12 months Variable Unlimited withdrawals to a linked account in your name Most of the rate is a 12-month bonus. After that it falls to the standard rate, currently 1.05%. Interest paid yearly. You need a UK current account in your name.Flexible ISATakes transfers in See provider
Leeds Building SocietyOnline Access Cash ISA (Issue 22) 4.16% Variable Unlimited withdrawals Needs £1,000 to open. Run online only. Leeds lets you pay into only one of its cash ISAs per tax year.Min £1,000Flexible ISATakes transfers in See provider

1-year fixed cash ISAs

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A cash ISA that pays a set rate for 12 months, with the interest free of UK tax. Taking money out early usually costs some interest, so it generally suits money you won't need for a year.

AccountAERTypeAccessNotes
OakNorth BankFixed Rate Cash ISA (12 months) 4.91% Fixed1 year Early withdrawals lose 90 days' interest on the amount taken Open via website or app. Must be a UK resident with a UK bank account.Takes transfers in See provider
Vanquis Bank1 Year Fixed Rate Cash ISA 4.90% Fixed1 year Early withdrawal costs 90 days' interest Fund within 30 days of applying. Moves into an Easy Access Cash ISA at the end of the term unless you choose otherwise.Min £1,000Flexible ISATakes transfers in See provider
Hodge Bank1 Year Fixed Rate Cash ISA 4.88% Fixed1 year Early access costs 90 days' interest No ISA transfers in, so new money only. Must pay in within 14 days of opening; no top-ups after. Online only.Min £1,000No transfers in See provider
Shawbrook Bank1 Year Fixed Rate Cash ISA (Issue 131) 4.83% Fixed1 year Early withdrawals lose 90 days' interest Apply online only. Accepts transfers from cash and stocks and shares ISAs.Min £1,000Takes transfers in See provider
Charter Savings Bank1 Year Fixed Rate Cash ISA 4.77% Fixed1 year Early access costs 90 days' interest Needs £5,000 to open. Online only.Min £5,000Takes transfers in See provider
Bank of Ireland UKOnline ISA: Fixed Rate 1 year 4.55% Fixed1 year Fixed for 1 year Over-18s.Min £500 See provider
Leeds Building Society1 Year Fixed Rate Cash ISA (Issue 241) 4.50% Fixed1 year Early withdrawals lose 90 days' interest Open in branch, online or by post. Only one Leeds cash ISA can be paid into per tax year.Min £100Takes transfers in See provider
Post OfficeOnline ISA: Fixed Rate (1 year) 4.50% Fixed1 year Fixed for 1 year None See provider

Easy-access savings

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Easy-access savings accounts let you pay in and take money out when you like, with a variable rate that can change. They generally suit money you may need at short notice.

AccountAERTypeAccessNotes
cahoot (Santander UK)Sunny Day Saver (Issue 6) 5.00% Variable Unlimited withdrawals by transfer in online banking Interest only paid on up to £3,000; nothing on the balance above that. Rate lasts 12 months, then the account moves to a standard cahoot savings account. Online only. Max one sole and one joint account per person. cahoot is part of Santander UK, so FSCS cover is shared with Santander. See provider
LemFiInstant Access Savings 5.00%includes a promotional boost for 183 days, then the standard tracker rate (3.04% AER when checked) Variable Withdraw any time, no penalties; transfers can take up to 3 hours Boosted rate lasts about 6 months, then drops to a tracker 0.75% below Bank of England base rate. Max £250,000, one account per person. LemFi is a payments firm, not a bank; the money is held at ClearBank, and FSCS cover is shared with any other ClearBank-powered accounts you hold.App only See provider
ZopaLimited Access pot 4.56%includes a 1.06% bonus for 12 months on the first £50,000 (new customers) Variable Up to 3 withdrawals a year; a 4th cuts the rate to 2.00% until the pot's anniversary Bonus is for new customers only; existing customers get 3.50% AER. Money above £50,000 earns 3.50% AER. Rate falls when the 12-month bonus ends.App only See provider
Cynergy BankOnline Easy Access Account 4.55%includes a bonus for the first 12 months Variable Unlimited free withdrawals to your nominated UK current account Rate drops when the 12-month bonus ends. Open online only and manage via online banking or app. Must fund within 14 days of opening. Max £1 million. See provider
ChaseSaver with boosted rate 4.50%includes a fixed 2.25% boost for 12 months Variable Easy access, withdraw any time Needs a Chase current account and must be opened in your first 31 days as a new customer. One boosted saver per customer. After 12 months the rate falls to the standard saver rate. Save up to £3 million.App only See provider
Post OfficeOnline Saver 4.40%includes a fixed 3.50% bonus for 12 months Variable Easy access Drops to 0.90% AER when the 12-month bonus ends. See provider
cahoot (Santander UK)Simple Saver (Issue 19) 4.35% Variable Unlimited withdrawals by transfer in online banking Rate applies for 12 months, then the account moves to a standard cahoot savings account. Interest paid on up to £500,000. Online only, sole or joint. FSCS cover is shared with Santander UK. See provider

One-year fixed-rate savings

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A one-year fixed-rate bond pays a set rate for 12 months in return for locking your money away. It generally suits savers who will not need the money for a year and want to know exactly what they will earn.

AccountAERTypeAccessNotes
AlRayan Bank12 Month Fixed Term Deposit 5.12% Fixed1 year No withdrawals or closure until maturity Sharia-compliant: pays an expected profit rate rather than interest (5.03% gross a year, paid quarterly). Apply via digital banking only. Sole accounts only. Max £1 million.Min £10,000 See provider
Union Bank of India (UK)1 Year Term Deposit 5.12% Fixed1 year No early closure; paid out at maturity only Interest paid at maturity. Open online via its bond portal, in the London branch or by post, with ID and proof of address. Max £1 million.Min £1,000 See provider
thisbank1 Year Fixed Term Savings Account 5.10% Fixed1 year No withdrawals until the term ends Sole name only. Open and manage online. Max £500,000, though FSCS only covers £120,000.Min £100 See provider
Vanquis Bank1 Year Fixed Rate Bond 5.08% Fixed1 year No withdrawals until the end of the term, except in exceptional cases by closing the account Pay-ins only within 5 working days of the first deposit. Monthly interest option pays a slightly lower rate. Max £250,000.Min £1,000 See provider
GB Bank1 Year Fixed Rate Bond 5.05% Fixed1 year No withdrawals or early closure until maturity Open online, manage online or in the app. Interest monthly or annually. Max £100,000.Min £1,000 See provider
Shawbrook Bank1 Year Fixed Rate Bond (Issue 122) 4.87% Fixed1 year No withdrawals until the end of the term Apply online only; run the account online or by phone. Must fund within 28 days of opening.Min £1,000 See provider

Regular savers

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A regular saver lets you pay in a set amount each month, usually for a year, at a higher rate than most savings accounts. Many need you to hold the same bank's current account, and the monthly cap keeps the total interest modest.

AccountAERTypeAccessNotes
SantanderRegular Saver 8.00%includes a 5.00% AER bonus for the first 12 months Variable Withdraw any time, but only to your Santander current account Needs a Santander current account. Pay in up to £200 a month. Rate drops to 3.00% AER after 12 months. One per person, sole name only. See provider
first directRegular Saver Account 7.00% Fixed1 year No withdrawals until the 12 months are up; closing early pays a much lower rate Only for existing first direct 1st Account holders. Save £25 to £300 a month. At 12 months the money moves to a first direct savings account. One per person, sole name.Min £25 See provider
The Co-operative BankRegular Saver Issue 1 7.00% Variable1 year Unlimited withdrawals, but you cannot top back up beyond the £250 monthly limit Needs a Co-operative Bank current account (smile accounts don't count). Up to £250 a month. Moves to a lower-rate Smart Saver after 12 months. See provider
ChaseRegular Saver 6.50% Fixed1 year Withdraw any time to your Chase account with no penalty Needs a Chase current account, age 18+. Up to £300 a month. Interest paid monthly. Opened and run in the Chase app. One per customer.App only See provider
Nationwide Building SocietyFlex Regular Saver 6.50% Variable1 year Up to 3 withdrawals in the year; a 4th cuts the rate to 1.05% AER Needs a Nationwide current account. Up to £200 a month. Managed online or in the app only. See provider
Lloyds BankClub Lloyds Monthly Saver 6.25% Fixed1 year Unlimited withdrawals with no charge Needs a qualifying Lloyds current account (Club Lloyds or Premier), age 18+. Save £25 to £250 a month. Interest paid at 12 months, then it becomes a Standard Saver. Can't have opened a Monthly Saver in the last 12 months.Min £25 See provider
Monmouthshire Building SocietyRegular Saver (Issue 8) 6.00% Variable1 year Withdraw any time, but you may not be able to pay it back in under the monthly limit No current account needed. Pay in £1 to £500 a month. UK residents excluding Northern Ireland, age 16+. Open in branch, at an agency or in the MonBS app. Interest paid at the end of the 12 months. See provider
Lloyds BankMonthly Saver 5.00% Fixed1 year Unlimited withdrawals with no charge Needs any Lloyds current account, age 16+. Save £25 to £250 a month, paid in before the 25th. Club Lloyds and Premier customers must use the Club Lloyds Monthly Saver instead. Interest paid at 12 months.Min £25 See provider

Lifetime ISAs

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A Lifetime ISA lets people aged 18 to 39 save up to £4,000 a year towards a first home or retirement, with a 25% government bonus on what they pay in. Money taken out for any other reason usually faces a 25% charge.

AccountAERTypeAccessNotes
MoneyboxCash Lifetime ISA 4.65% Variable App only. Withdrawals for anything other than a first home or age 60+ carry the 25% government charge Rate as listed by MoneySavingExpert on 1 October 2026 (Moneybox's page blocked automated reading). Transfers in only if you haven't had a Moneybox LISA before. Check the rate on Moneybox's app or site before opening.App onlyTakes transfers in See provider
TemboCash Lifetime ISA 4.56%includes a 1.01% AER fixed bonus for the first 12 months Variable Penalty-free only for a first home or from age 60 Rate for new customers; underlying rate 3.55% AER after 12 months. Tembo is not a bank: cash is held with partner banks and FSCS cover applies per partner bank. App only. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.App onlyTakes transfers in See provider
PlumLifetime ISA (cash) 4.52%includes a 1.41% AER Plum bonus for 12 months Variable Penalty-free only for a first home or from age 60 Drops to 3.11% AER after the bonus period; bonus has conditions. Plum is not a bank: cash is held with partner banks, FSCS cover applies per bank. App only. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.App onlyTakes transfers in See provider
Skipton Building SocietyCash Lifetime ISA 2.05% Variable Penalty-free only for a first home or from age 60 Apply online; sole name only. Interest paid yearly on the opening anniversary. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.Takes transfers in See provider
Nottingham Building SocietyOnline Lifetime ISA 2.00% Variable Penalty-free only for a first home or from age 60 Open and manage online or in the app only, not in branch. Accepts full transfers in. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.Takes transfers in See provider
AJ BellLifetime ISA (stocks and shares) No set rateInvested: value can fall Investment Penalty-free only for a first home or from age 60 Investment platform, not a deposit account: value can fall. Platform fee up to 0.25% a year; dealing from £1.50, free for regular monthly investing. Minimum £25 a month or £250 lump sum. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.Min £25Takes transfers inNot FSCS protected See provider
Hargreaves LansdownLifetime ISA (stocks and shares) No set rateInvested: value can fall Investment Penalty-free only for a first home or from age 60 Investment platform, not a deposit account: value can fall. Account charge up to 0.25% a year on investments; free to open. From £25 a month by direct debit. 25% government bonus on up to £4,000 a year. Open aged 18 to 39. Penalty-free withdrawals only for a first home up to £450,000 (after 12 months) or from age 60; other withdrawals usually lose 25%.Min £25Takes transfers inNot FSCS protected See provider