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This comparison simply includes all savings accounts.

RCI Bank
Freedom Savings Account RCI Bank
Min deposit £100
Term Instant Access
Interest AER 4.45%

Why we like it: Which? Recommended Savings Provider. No notice period. Deposit from £100. Interest paid monthly or annually. Apply in minutes. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services. Compensation Scheme (FSCS)

Investec Savings
Online Flexi Saver Investec Savings
Min deposit £5000
Term Instant Access
Interest AER 4.40%

Why we like it: Instant access to your savings. Unlimited deposits and withdrawals. Interest paid monthly, either to a linked current account, or adding it to your Online Flexi Saver account. Easy application process, you just need a UK mobile phone and UK driving licence or passport. Manage account online. Maximum balance £250,000. Must be aged 18 or older and have a UK address. Must have a linked UK current account. Your eligible deposits with Investec Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Yorkshire Building Society
Easy Access Saver Yorkshire Building Society
Min deposit £1
Term Instant Access
Interest AER 4.35%

Why we like it: Save from £1. Unlimited payments and withdrawals. Interest paid annually. Open in a single or a joint name. Maximum deposit £500,000. Open and manage account online. FSCS Protected. Must be UK resident. Must be aged 16 or older

Hampshire Trust Bank
Online Easy Access Account Hampshire Trust Bank
Min deposit £1
Term Instant Access
Interest AER 4.15%

Why we like it: Unlimited payments and withdrawals. Interest paid annually. Open in a single or a joint name. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2024. Must be UK resident and be aged 18 or older

Post Office
Online Saver Account Post Office
Min deposit £1
Term Instant Access
Interest AER 4.10%

Why we like it: Choose monthly or annual interest payments. Unlimited deposits and withdrawals. 24/7 access to your savings. Open and manage online. After 12 months the rate will revert to the underlying rate, currently 1.45% gross/AER variable. Post Office Online Saver is provided by Bank of Ireland UK. Must be UK resident. Must be aged 18 or older. FSCS protected

RCI Bank
95 Day Notice Account RCI Bank
Min deposit £1000
Term 95 Day Notice
Interest AER 4.90%

Why we like it: Unlimited withdrawals subject to 95 days notice.

OakNorth
Base Rate Tracker 95 Day Notice Account OakNorth
Min deposit £1
Term 95 Day Notice
Interest AER 4.89%

Why we like it: The interest rate tracks the Bank of England (BoE) Base Rate. Interest is calculated on the minimum daily balance and applied to the account on the first day of every subsequent month. Open and manage account online. Your eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme. The maximum deposit you may pay into any one OakNorth Account is £500,000. The maximum amount (excluding the interest) that you will be allowed to hold on deposit with OakNorth Bank across multiple accounts is also £500,000. Unlimited withdrawals, subject to 95 days notice. Available to individuals, aged 18 or over, who are UK residents

Investec Savings
90 Day Notice Account Investec Savings
Min deposit £5000
Term 90 Day Notice
Interest AER 4.84%

Why we like it: Unlimited deposits and withdrawals. Interest paid monthly: can be added to your Notice Saver or paid to your linked account. Easy application process, you just need a UK mobile phone and UK driving licence or passport. Manage account online. Maximum balance £250,000. Withdrawals subject to 90 days notice. Must be aged 18 or older and have a UK address. Must have a linked UK current account

RCI Bank
E-Volve 14 Day Notice Account RCI Bank
Min deposit £1000
Term 14 Day Notice
Interest AER 4.55%

Why we like it: All funds deposited into the RCI Bank E-Volve Savings 14 Day Notice Account will be used to fund pure electric vehicles and charging facilities. Interest paid monthly or annually. Manage account online. UK-based support, seven days a week. Which? Recommended Savings Provider. Unlimited withdrawals subject to 14 days notice. Must be UK resident. Must be aged 18 or older. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Chip
Easy Access Saver Account Chip
Min deposit £1
Term Easy Access
Interest AER Up to 4.50%

Why we like it: 3 penalty-free withdrawals in a 12 month period. 3.82% AER (variable tracker) + 0.68% AER 12 month boost. 3.75% gross variable tracker. Interest paid monthly. Deposit and withdraw almost instantly. No fees or charges for holding account. FSCS eligible on your deposits. After 3 withdrawals within a 12 month period the rate will revert to either 3.40% AER (variable tracker with boost applied) or 2.72% AER (variable tracker) for the remainder of the 12 month period since opening the account. Must be UK resident. Must be aged 18 or older

Aldermore
Fixed Rate Bond Aldermore
Min deposit £1000
Term 9 Months
Interest AER 4.65%

Why we like it: 9 month term, minimum deposit £1,000, no withdrawals permitted. FSCS Protected

Investec Savings
Fixed Rate Bond Investec Savings
Min deposit £5000
Term 1 Year
Interest AER 4.50%

Why we like it: Interest paid on maturity. Automatic repayment to your linked account. Maximum deposit £250,000. FSCS Protected. Must have a UK residential address and be aged 18 or older. No withdrawals permitted

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NatWest is currently offering a £200 cash incentive for switching to their Select or Reward Current Accounts. If you would like to take advantage of this bank switch offer, read on to learn more about these deals and how to arrange a new NatWest bank account



NatWest Select Current Account

In addition to the £200 cash incentive, the NatWest Select Current Account boasts features such as:

  • No account fees
  • Minimum opening balance of £0.01
  • 0% AER interest (annual equivalent rate)

The NatWest Select Current Account also gives you access to their Digital Regular Saver. The top rate of interest on this savings account for balances up to £5,000, and the £200 cash reward create a total earning of £508.50 in one year.

Requirements for the NatWest Select Current Account 

  • Minimum deposit of £1,250 to open the account
  • Must log in to the NatWest banking app within 60 days

Should you meet the criteria for this current account, you will receive the £200 cash bonus within 7 days. 

NatWest Reward Current Account

The £200 bank switch offer also applies to the NatWest Reward Current Account. This product comes with a fee of £2 per month and you can earn up to £5 in Rewards for 2 or more Direct Debitsand £1 with 1 mobile app log in, So that' a net figure of £3 per through this bank account.

Switching to the NatWest Reward Current Account enables you to make a total earning of £236 in a year by:

  • Minimum deposit of £1,250 to open the account
  • Must log in to the NatWest banking app within 60 day
  • Logging in to the NatWest banking app once a month
  • Setting up at least two direct debit payments of £2 plus
  • Meeting eligibility criteria set out by NatWest

How to open a new NatWest current account

Both the NatWest Select and Reward Current Accounts have much to offer. It is advisable to think about your own financial circumstances and goals as you compare these two current account products.

The first step to creating your new current account with NatWest is to sign up via their banking app or website. Once you have signed up with your new provider, the Current Account Switch Service will step in to converse with your old bank. The service can set up your new bank account within seven working days thanks to their Current Account Switch Guarantee.

As part of the current account switch process, NatWest will ask you to complete an application form. Fortunately, this is usually a simple process that only requires:

  • A credit history check
  • Your nominated switch date (seven days in advance of the bank switch)
  • Two documents for proof of identity and address (driving licence, passport, payslips or utility bills)

Considerations of the NatWest bank switch offer

  • Ongoing debit payments linked to your card must be redirected
  • Can switch to a sole current account from a joint account, but not vice versa
  • Credit rating may decrease if you open several accounts at once or your application is rejected
  • A new bank account will protect any ISAs, savings accounts or credit cards, but not your old savings products




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