- The web’s best savings tables
- Completely independent and unique
- Accounts with catches are stripped out or shown separately
- Compiled by savings expert Sylvia Morris
- Unlike other tables, providers cannot pay to appear
| Type of account (min investment) | 0% tax | 20% tax | 40% tax | ||
|---|---|---|---|---|---|
| Accounts WITHOUT bonus – These rates are not boosted by a temporary bonus | |||||
| Ulster Bank Loyalty Saver (£5,000+) | 5.2 | 4.16 | 3.12 | ||
| Earl Shilton BS Bonus One (£5,000+) | 5.15 | 4.12 | 3.09 | ||
| Charter Savings Bank Easy Access 47 (£5,000+) | 5.07 | 4.06 | 3.04 | ||
| Virgin Money Defined Access E-Saver 20 (£1+)(6) | 5.07 | 4.06 | 3.04 | ||
| Kent Reliance Easy Access 66 (+£1,000) | 5.06 | 4.05 | 3.04 | ||
| Close Brothers Savings Easy Access 2 (£10,000+) | 5.05 | 4.04 | 3.03 | ||
| Paragon Bank Double Access 5 (£1,000+)(8) | 5.05 | 4.04 | 3.03 | ||
| Monument Bank (£25,000) | 5.03 | 4.02 | 3.02 | ||
| Scottish BS E-Saver Plus (£100+) (14) | 5.00 | 4.00 | 3.00 | ||
| Secure Trust Access Account 10 (£1,000+) | 5.00 | 4.00 | 3.00 | ||
| Shawbrook Bank Easy Access 37 (£1,000+) | 5.00 | 4.00 | 3.00 | ||
| Yorkshire BS Online Rainy Day Account (£1+) (12) | 5.00 | 4.00 | 3.00 | ||
| Family BS Online Saver 6 (£1+) | 4.95 | 3.96 | 2.97 | ||
| Harpenden BS Online Instant Access 1 (£100+) | 4.95 | 3.96 | 2.97 | ||
| Oxbury Bank (£1,000+) (16) | 4.94 | 3.95 | 2.96 | ||
| Wombat G B Bank Base Rate Tracker (£500) | 4.91 | 3.93 | 2.95 | ||
| Aldermore Double Access (£1,000+) (8) | 4.9 | 3.92 | 2.94 | ||
| Hampshire Trust Bank Easy Access 16 (£1+) | 4.9 | 3.92 | 3.94 | ||
| Ford Money Flexible Saver (£1+) | 4.85 | 3.88 | 2.91 | ||
| Principality BS Online Double Access 2 (£1+)(8) | 4.85 | 3.88 | 2.91 | ||
| Chip (£1+) (18)* | 4.84 | 3.87 | 2.9 | ||
| Saffron BS E Saver 20 (£10+) | 4.8 | 3.84 | 2.88 | ||
| Yorkshire BS Internet Saver Plus 14 (£1+) | 4.8 | 3.84 | 2.88 | ||
| Dudley BS Easy Access Saver Online 2 (£250+) | 4.75 | 3.8 | 2.85 | ||
| RCI Bank Freedom Savings (£100+) | 4.75 | 3.8 | 2.85 | ||
| Saffron BS Enviro Saver 2 (£10+) (9) | 4.75 | 3.8 | 2.85 | ||
| Investec Online Flexi Saver (£5,000+) | 4.7 | 3.58 | 2.68 | ||
| Family BS Market Tracker Saver (£500+) | 4.64 | 3.71 | 2.78 | ||
| BONUS accounts – Pay a bonus for the first 12 months or more. R ates include the bonus | |||||
| Metro Bank Instant Access Savings (£500+) | 5.22 | 4.18 | 3.13 | ||
| Cahoot Sunny Saver (£1-£3,000) | 5.2 | 4.16 | 3.12 | ||
| Cahoot Simple Saver (£1+) | 5.12 | 4.1 | 3.07 | ||
| Cynergy Bank Online Easy Access 69 (£1+)(2) | 5.1 | 4.08 | 3.06 | ||
| Leeds BS Limited Issue Online Access 53 (£1,000+) | 5.1 | 4.08 | 3.06 | ||
| Tandem Instant Access Saver (£1+) (15) | 5.00 | 4.00 | 3.00 | ||
| * If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence nor will it impact the interest rate you receive. | |||||
| (1) Rate includes a 0.34 point bonus | |||||
| (2) Includes a 1.1 percentage point bonus for the first 12 months | |||||
| (3) You are limited to one withdrawal a year | |||||
| (4) The rate of interest is guaranteed to track 0.19 percentage points below the Bank of England base rate for 24 months | |||||
| (5) You are limited to six withdrawals a year. | |||||
| (6) You are limited to three withdrawals a year | |||||
| (7) You are limited to one withdrawal each calendar month | |||||
| (8) You are limited to making two withdrawals a year | |||||
| (9) Society pays an additional 0.1 per cent to an environmental charity | |||||
| (10) Rate falls to 1.25 per cent after 12 months | |||||
| (11) This rate is the ‘expected profit rate’ under Sharia compliant accounts. | |||||
| (12) This rate is paid on the first £10,000 in the account. On balances above that you earn 3.90 per cent. You can only withdraw money on two days a year. | |||||
| (14) You are limited to four free withdrawals a year | |||||
| (15) Available through banking app only. Includes a 0.35 point bonus payable for a year. Existing customers need to ask to have the bonus added. | |||||
| (16) When you make a withdrawal you must tell the bank by 1 pm if you want the money back the same day | |||||
| (18) App only. Money will be held by the UK authorised bank ClearBank. | |||||
| (21) Includes a bonus of 3.15 percentage points for 12 months | |||||
| (22) Your account will change into an ordinary easy access account on 23rd September 2025 | |||||
* Note: From April 2018, tax conversions will apply only to taxpayers living in England, Wales and Northern Ireland. Scottish taxpayers are subject to different income tax rates after this date.
Dear Reader,
These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.
Independent savings expert: Sylvia Morris
They are completely unbiased – we simply show the best rates around and don’t do ‘featured deals’.
We’ve gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.
In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.
But with interest rates so low, most of today’s best deals have some sort of clause built in, whether that’s a bonus or a restriction on withdrawals.
For that reason, we’ve included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.
If there is a restriction on withdrawals we have made this clear in the notes on each account.
We also ignore old-style ‘notice’ accounts where the bank or building society can demand you give up to six months’ notice that you want to take our money out while it can change the rate at any time without warning.
All banks and building societies are registered with the Financial Conduct Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank’s home country. In Europe it is €100,000).
If you have a question about the tables email [email protected] and [email protected]
Sylvia Morris
This is Money savings tables expert
