Annual Equivalent Rate shows what the interest rate would be if interest were paid and compounded once a year. Always check whether the rate is fixed or variable and whether a bonus applies.

Can savings rates change?

Variable rates can rise or fall after you open an account. Fixed rates stay fixed for the agreed term under the account terms. Bonus elements can expire. Always confirm the live rate with the provider.

What is the difference between easy-access, notice and fixed-rate accounts?

Easy-access accounts usually allow withdrawals without long notice. Notice accounts require advance notice. Fixed-rate accounts typically lock money for a set term — early access may be restricted or penalised.

What is a bonus rate?

A bonus rate is a temporary uplift that may be included in a headline AER. When the bonus ends, the rate you earn can fall. Compare the underlying rate and bonus expiry date.

Are savings accounts protected by FSCS?

Eligible deposits with UK-authorised banks, building societies and credit unions may be protected by the FSCS up to £120,000 per eligible person, per authorised firm under current rules. Brands can share a licence — check the provider and [FSCS](https://www.fscs.org.uk/).

What does “per authorised firm” mean?

FSCS deposit protection is generally calculated per eligible person and per authorised firm, not necessarily per brand name. If several brands share one authorised firm, deposits may share one limit.

Is a savings account better than a Cash ISA?

Neither is automatically better. Compare rate, access, bonus conditions and tax treatment for your circumstances. See [Cash ISAs](/invest/cash-isa) — not personal tax advice.

How are estimated earnings calculated?

Estimates use the stated AER on your chosen deposit over one year, before tax. They are illustrative only and not guaranteed — live rates, compounding and bonus conditions can change the result.

Should I regularly switch savings accounts?

It can help to review variable rates and bonus end dates periodically. Do not switch solely on headline AER without checking access, notice periods and product terms.

Can I withdraw early from fixed savings?

Often early access is restricted or not allowed. Some products apply penalties. Confirm early-access rules before you open a fixed-rate account.

Invest

Savings Accounts

Compare easy-access, notice, fixed-rate and regular savings accounts from the providers we cover. Match by deposit amount, AER, access rules and eligible FSCS protection. Interest rates and account terms can change.

FSCS clarity

Eligible deposits may be protected up to £120,000 per person, per authorised firm.

100% free to use

No fees from WIT Money to compare.

Researched by WiT Money

Compare AER, access and account terms side by side.

Interest earnings calculator

See what your savings could earn

Your deposit amount is used to check minimum-balance eligibility, resolve tiered rates and estimate first-year interest where the product structure allows. Illustrative only — before tax.

Deposit amount

Illustrative estimate assuming the displayed AER remains unchanged for 12 months, the balance remains constant and there are no withdrawals. Actual interest may differ due to rate changes, compounding, bonus conditions and account activity. This is not a guaranteed return. For variable-rate accounts, do not treat the estimate as guaranteed.

At top matching AER*

4.50% on £10,000.00

£450.00

Estimated interest over 1 year

Open full savings calculator

9 matching savings accounts

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

£10,000.00 deposit · from the providers we cover

Rates and account availability can change. Check the provider's current rate and terms before opening an account.

Sort by

Chase UK

Saver with Boosted Rate

12-month bonus

New Chase customers only; offer may be withdrawn

AER

4.50%

2.25% AER fixed boost for 12 months on top of standard variable rate; limited new-customer eligibility window

Rate type

Variable

Minimum

£0

Access

Easy access

Bonus

12-month bonus

FSCS

Eligible*

Estimated interest after 1 year

£450.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

2.25% AER fixed boost for 12 months on top of standard variable rate; limited new-customer eligibility window

View account

Check live AER before you apply.

Marcus by Goldman Sachs

1 Year Fixed Rate Saver

14-day funding window; no normal withdrawals; early closure for a fee

AER

4.30%

Checked 12 September 2026

Rate type

Fixed

Minimum

£1

Access

Fixed rate

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£430.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year.

View account

Check live AER before you apply.

Charter Savings Bank

Easy Access - Issue 79

Current on-sale issue; online account; variable rate

AER

4.25%

Checked 12 September 2026

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£425.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Marcus by Goldman Sachs

Online Savings Account

12-month bonus

Linked account used for withdrawals

AER

3.75%

Includes 0.49% gross fixed bonus for first 12 months

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

12-month bonus

FSCS

Eligible*

Estimated interest after 1 year

£375.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

Includes 0.49% gross fixed bonus for first 12 months

View account

Check live AER before you apply.

Secure Trust Bank

Access Account - Issue 31

Nominated UK current account required

AER

3.75%

Checked 12 September 2026

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£375.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Ford Money

Flexible Saver

Best Rate Guarantee applies to this product; connected bank account used

AER

3.54%

Checked 12 September 2026

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£354.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Chase UK

Chase Saver

Chase current account required

AER

2.25%

Checked 12 September 2026

Rate type

Variable

Minimum

£0

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£225.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Aldermore Bank

Easy Access Account - Issue 20

Nominated UK account required

AER

2.25%

Checked 12 September 2026

Rate type

Variable

Minimum

£100

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£225.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Nationwide Building Society

Instant Access Saver

Rate depends on balance

AER

1.15%

Checked 12 September 2026

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£115.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

How FSCS protection works

Eligible deposits are generally protected up to £120,000 per person, per authorised firm. Different savings brands can sometimes share one banking licence, so check the combined protection applying to all accounts you hold.

Check FSCS protection

Side by side

Compare savings account features

Rate, access, bonus and FSCS at a glance for a £10,000 deposit — open a card for full detail. Showing accounts we cover, not the whole market.

Comparison of UK savings accounts by AER, rate type, access and FSCS
Provider	AER	Rate type	Access	Minimum	Bonus	FSCS
Chase UKChase Saver	2.25%	Variable	Easy access	£0	None	Eligible*
Chase UKSaver with Boosted Rate	4.50%	Variable	Easy access	£0	12-month bonus	Eligible*
Atom bankInstant Saver	2.50%	Variable	Easy access	£0	None	Eligible*
Atom bankInstant Saver Reward	3.49%	Variable	Easy access	£0	Bonus rate	Eligible*
Marcus by Goldman SachsOnline Savings Account	3.75%	Variable	Easy access	£1	12-month bonus	Eligible*
Marcus by Goldman Sachs1 Year Fixed Rate Saver	4.30%	Fixed	Fixed rate	£1	None	Eligible*
Zopa BankAccess pot	2.95%	Variable	Easy access	£0	None	Eligible*
Zopa BankBoosted pot	3.55%	Variable	Notice	£0	None	Eligible*
Zopa BankFixed-term pot	4.65%	Fixed	Fixed rate	£0	None	Eligible*
Tandem BankInstant Access Saver	3.40%	Variable	Easy access	£0	12-month bonus	Eligible*
Tandem Bank1 Year Fixed Term Saver	4.60%	Fixed	Fixed rate	See details	None	Eligible*
Tandem Bank2 Year Fixed Term Saver	4.70%	Fixed	Fixed rate	See details	None	Eligible*

*FSCS eligibility is subject to current rules and the authorised firm behind each brand.

Choosing a savings account

Which type of savings account may suit you?

Easy access

May suit: Emergency funds and money you may need quickly.

Consider: Rates are usually variable and may change.

Notice account

May suit: Savers who can wait before withdrawing.

Consider: You normally need to give notice before accessing money.

Fixed rate

May suit: Money you can leave untouched for a defined period.

Consider: Early access may be restricted or penalised.

Regular saver

May suit: Building savings through monthly deposits.

Consider: Contribution and withdrawal limits often apply.

Interest rates

AER, fixed vs variable, and bonuses

AER (Annual Equivalent Rate) helps you compare savings accounts by showing the effect of interest over a year. Accounts with similar AERs can still have very different access and bonus conditions.

Variable AER can rise or fall after you open the account.
Fixed AER stays fixed for the agreed term under the account terms.
Some headline AERs include a temporary bonus that later expires.
Interest may be paid monthly, annually or at maturity.

Neither fixed nor variable is universally better — it depends on when you may need the money. Always compare the underlying rate and bonus expiry, not just the headline AER.

Compare savings

Savings account or Cash ISA?

Comparison of ordinary savings accounts and Cash ISAs
Feature	Ordinary savings	Cash ISA
Interest tax treatment	May be taxable outside an ISA	Usually tax-free within ISA rules
ISA allowance	Does not use ISA allowance	Uses annual ISA allowance
Access & rates	Easy access, notice or fixed options	Depends on provider terms
FSCS protection	Eligible deposits may be protected up to £120,000*	Eligible deposits may be protected up to £120,000*

A Cash ISA is not automatically better. Compare rate, access and tax treatment for your circumstances. Personal Savings Allowance rules can also affect taxable savings interest — this is general information, not tax advice.

Compare Cash ISAs

Protection

How FSCS protection works

Standard FSCS protection

Eligible deposits are currently protected up to £120,000 per eligible person, per authorised firm under current FSCS rules.

Shared banking licences

Different brands can sometimes operate under the same authorised firm, so deposits may share one FSCS limit.

Temporary high balances

Higher temporary protection (currently up to £1,400,000) can apply in certain qualifying circumstances only.

Subject to eligibility. The standard limit applies per eligible person, per authorised firm. Multiple brands can share the same banking licence.

Check FSCS protection

Rate reviews

Should you review your savings rate?

Variable rates can change and introductory bonuses can expire.
Older accounts can become less competitive over time.
Check access restrictions before moving money.

Do not switch solely on headline AER without checking access and product terms.

Before opening a savings account

Is the rate fixed or variable?
Does the AER include a bonus — and when does it end?
How quickly can you withdraw?
What is the minimum deposit?
Is FSCS protection available, and does the brand share a banking licence?

Our methodology

How we compare savings accounts

AER, rate type, bonus rates and bonus expiry
Minimum deposit, access and withdrawal rules
Interest payment frequency and management options
FSCS eligibility and underlying authorised firm
Official provider disclosures

Commercial relationships do not determine factual product information or our editorial guidance.

How we review savings account information

UK-focused editorial research with rates checked against official provider sources
Product terms and FSCS information reviewed against official sources
Commercial relationships do not determine factual comparisons

Last reviewed: 12 September 2026
Rates last checked: 12 September 2026
FSCS rules last checked: 9 August 2026
Product terms last checked: 12 September 2026

Editorial Guidelines Comparison Methodology How We Make Money Corrections Policy

FAQs

Common questions about savings accounts

Sources and further information

Links are for reference and do not imply endorsement. Confirm live rates on the provider’s official product page.

Found an outdated savings rate, bonus condition or account term? Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.

Continue comparing

Explore

Compare savings by deposit

Accounts appear only where verified opening and balance limits include the deposit.

Continue with a related page

Links are chosen from this category’s registry — not a generic keyword dump.

Invest

Savings Accounts

FSCS clarity

Eligible deposits may be protected up to £120,000 per person, per authorised firm.

100% free to use

No fees from WIT Money to compare.

Researched by WiT Money

Compare AER, access and account terms side by side.

Interest earnings calculator

See what your savings could earn

Your deposit amount is used to check minimum-balance eligibility, resolve tiered rates and estimate first-year interest where the product structure allows. Illustrative only — before tax.

Deposit amount

At top matching AER*

4.50% on £10,000.00

£450.00

Estimated interest over 1 year

Open full savings calculator

9 matching savings accounts

We compare participating providers and do not cover the whole market. WiT Money may receive a commission or referral fee from some providers if you proceed through a link. See how we make money

£10,000.00 deposit · from the providers we cover

Rates and account availability can change. Check the provider's current rate and terms before opening an account.

Sort by

Chase UK

Saver with Boosted Rate

12-month bonus

New Chase customers only; offer may be withdrawn

AER

4.50%

2.25% AER fixed boost for 12 months on top of standard variable rate; limited new-customer eligibility window

Rate type

Variable

Minimum

£0

Access

Easy access

Bonus

12-month bonus

FSCS

Eligible*

Estimated interest after 1 year

£450.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

2.25% AER fixed boost for 12 months on top of standard variable rate; limited new-customer eligibility window

View account

Check live AER before you apply.

Marcus by Goldman Sachs

1 Year Fixed Rate Saver

14-day funding window; no normal withdrawals; early closure for a fee

AER

4.30%

Checked 12 September 2026

Rate type

Fixed

Minimum

£1

Access

Fixed rate

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£430.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year.

View account

Check live AER before you apply.

Charter Savings Bank

Easy Access - Issue 79

Current on-sale issue; online account; variable rate

AER

4.25%

Checked 12 September 2026

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£425.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Marcus by Goldman Sachs

Online Savings Account

12-month bonus

Linked account used for withdrawals

AER

3.75%

Includes 0.49% gross fixed bonus for first 12 months

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

12-month bonus

FSCS

Eligible*

Estimated interest after 1 year

£375.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

Includes 0.49% gross fixed bonus for first 12 months

View account

Check live AER before you apply.

Secure Trust Bank

Access Account - Issue 31

Nominated UK current account required

AER

3.75%

Checked 12 September 2026

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£375.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Ford Money

Flexible Saver

Best Rate Guarantee applies to this product; connected bank account used

AER

3.54%

Checked 12 September 2026

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£354.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Chase UK

Chase Saver

Chase current account required

AER

2.25%

Checked 12 September 2026

Rate type

Variable

Minimum

£0

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£225.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Aldermore Bank

Easy Access Account - Issue 20

Nominated UK account required

AER

2.25%

Checked 12 September 2026

Rate type

Variable

Minimum

£100

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£225.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

Nationwide Building Society

Instant Access Saver

Rate depends on balance

AER

1.15%

Checked 12 September 2026

Rate type

Variable

Minimum

£1

Access

Easy access

Bonus

None

FSCS

Eligible*

Estimated interest after 1 year

£115.00on £10,000.00

Illustrative only — assumes the displayed AER remained unchanged for a year. Variable rates can change.

View account

Check live AER before you apply.

How FSCS protection works

Check FSCS protection

Side by side

Compare savings account features

Rate, access, bonus and FSCS at a glance for a £10,000 deposit — open a card for full detail. Showing accounts we cover, not the whole market.

Comparison of UK savings accounts by AER, rate type, access and FSCS
Provider	AER	Rate type	Access	Minimum	Bonus	FSCS
Chase UKChase Saver	2.25%	Variable	Easy access	£0	None	Eligible*
Chase UKSaver with Boosted Rate	4.50%	Variable	Easy access	£0	12-month bonus	Eligible*
Atom bankInstant Saver	2.50%	Variable	Easy access	£0	None	Eligible*
Atom bankInstant Saver Reward	3.49%	Variable	Easy access	£0	Bonus rate	Eligible*
Marcus by Goldman SachsOnline Savings Account	3.75%	Variable	Easy access	£1	12-month bonus	Eligible*
Marcus by Goldman Sachs1 Year Fixed Rate Saver	4.30%	Fixed	Fixed rate	£1	None	Eligible*
Zopa BankAccess pot	2.95%	Variable	Easy access	£0	None	Eligible*
Zopa BankBoosted pot	3.55%	Variable	Notice	£0	None	Eligible*
Zopa BankFixed-term pot	4.65%	Fixed	Fixed rate	£0	None	Eligible*
Tandem BankInstant Access Saver	3.40%	Variable	Easy access	£0	12-month bonus	Eligible*
Tandem Bank1 Year Fixed Term Saver	4.60%	Fixed	Fixed rate	See details	None	Eligible*
Tandem Bank2 Year Fixed Term Saver	4.70%	Fixed	Fixed rate	See details	None	Eligible*

*FSCS eligibility is subject to current rules and the authorised firm behind each brand.

Choosing a savings account

Which type of savings account may suit you?

Easy access

May suit: Emergency funds and money you may need quickly.

Consider: Rates are usually variable and may change.

Notice account

May suit: Savers who can wait before withdrawing.

Consider: You normally need to give notice before accessing money.

Fixed rate

May suit: Money you can leave untouched for a defined period.

Consider: Early access may be restricted or penalised.

Regular saver

May suit: Building savings through monthly deposits.

Consider: Contribution and withdrawal limits often apply.

Interest rates

AER, fixed vs variable, and bonuses

AER (Annual Equivalent Rate) helps you compare savings accounts by showing the effect of interest over a year. Accounts with similar AERs can still have very different access and bonus conditions.

Variable AER can rise or fall after you open the account.
Fixed AER stays fixed for the agreed term under the account terms.
Some headline AERs include a temporary bonus that later expires.
Interest may be paid monthly, annually or at maturity.

Neither fixed nor variable is universally better — it depends on when you may need the money. Always compare the underlying rate and bonus expiry, not just the headline AER.

Compare savings

Savings account or Cash ISA?

Comparison of ordinary savings accounts and Cash ISAs
Feature	Ordinary savings	Cash ISA
Interest tax treatment	May be taxable outside an ISA	Usually tax-free within ISA rules
ISA allowance	Does not use ISA allowance	Uses annual ISA allowance
Access & rates	Easy access, notice or fixed options	Depends on provider terms
FSCS protection	Eligible deposits may be protected up to £120,000*	Eligible deposits may be protected up to £120,000*

Compare Cash ISAs

Protection

How FSCS protection works

Standard FSCS protection

Eligible deposits are currently protected up to £120,000 per eligible person, per authorised firm under current FSCS rules.

Shared banking licences

Different brands can sometimes operate under the same authorised firm, so deposits may share one FSCS limit.

Temporary high balances

Higher temporary protection (currently up to £1,400,000) can apply in certain qualifying circumstances only.

Subject to eligibility. The standard limit applies per eligible person, per authorised firm. Multiple brands can share the same banking licence.

Check FSCS protection

Rate reviews

Should you review your savings rate?

Variable rates can change and introductory bonuses can expire.
Older accounts can become less competitive over time.
Check access restrictions before moving money.

Do not switch solely on headline AER without checking access and product terms.

Before opening a savings account

Is the rate fixed or variable?
Does the AER include a bonus — and when does it end?
How quickly can you withdraw?
What is the minimum deposit?
Is FSCS protection available, and does the brand share a banking licence?

Our methodology

How we compare savings accounts

AER, rate type, bonus rates and bonus expiry
Minimum deposit, access and withdrawal rules
Interest payment frequency and management options
FSCS eligibility and underlying authorised firm
Official provider disclosures

Commercial relationships do not determine factual product information or our editorial guidance.

How we review savings account information

UK-focused editorial research with rates checked against official provider sources
Product terms and FSCS information reviewed against official sources
Commercial relationships do not determine factual comparisons

Last reviewed: 12 September 2026
Rates last checked: 12 September 2026
FSCS rules last checked: 9 August 2026
Product terms last checked: 12 September 2026

Editorial Guidelines Comparison Methodology How We Make Money Corrections Policy

FAQs

Common questions about savings accounts

Sources and further information

Links are for reference and do not imply endorsement. Confirm live rates on the provider’s official product page.

Found an outdated savings rate, bonus condition or account term? Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.

Continue comparing

Explore

Compare savings by deposit

Accounts appear only where verified opening and balance limits include the deposit.

Continue with a related page

Links are chosen from this category’s registry — not a generic keyword dump.

Savings Accounts

See what your savings could earn

9 matching savings accounts

How FSCS protection works

Compare savings account features

Which type of savings account may suit you?

Easy access

Notice account

Fixed rate

Regular saver

AER, fixed vs variable, and bonuses

Savings account or Cash ISA?

How FSCS protection works

Standard FSCS protection

Shared banking licences

Temporary high balances

Should you review your savings rate?

Before opening a savings account

How we compare savings accounts

How we review savings account information

Common questions about savings accounts

What does AER mean?

Can savings rates change?

What is the difference between easy-access, notice and fixed-rate accounts?

What is a bonus rate?

Are savings accounts protected by FSCS?

What does “per authorised firm” mean?

Is a savings account better than a Cash ISA?

How are estimated earnings calculated?

Should I regularly switch savings accounts?

Can I withdraw early from fixed savings?

Sources and further information

Continue comparing

Compare savings by deposit

Continue with a related page

Savings Accounts

See what your savings could earn

9 matching savings accounts

How FSCS protection works

Compare savings account features

Which type of savings account may suit you?

Easy access

Notice account

Fixed rate

Regular saver

AER, fixed vs variable, and bonuses

Savings account or Cash ISA?

How FSCS protection works

Standard FSCS protection

Shared banking licences

Temporary high balances

Should you review your savings rate?

Before opening a savings account

How we compare savings accounts

How we review savings account information

Common questions about savings accounts

What does AER mean?

Can savings rates change?

What is the difference between easy-access, notice and fixed-rate accounts?

What is a bonus rate?

Are savings accounts protected by FSCS?

What does “per authorised firm” mean?

Is a savings account better than a Cash ISA?

How are estimated earnings calculated?

Should I regularly switch savings accounts?

Can I withdraw early from fixed savings?

Sources and further information

Continue comparing

Compare savings by deposit

Continue with a related page