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Compare Best Buys For Your Money

Ulster Bank
eSavings Ulster Bank
Min deposit £1
Term Instant Access
Interest AER 1.25%

Why we like it: MARKET LEADING. 1.25% AER Gross (variable). Open with £1. A simple instant access savings account. Manage your account online, by telephone banking or via our mobile app. You'll need to be 18 or over and a UK resident

RCI Bank
Freedom Savings Account RCI Bank
Min deposit £100
Term Instant Access
Interest AER 1.20%

Why we like it: No notice period. Deposit from £100. Interest paid monthly or annually. Apply in minutes.

Ford Money
Flexible Saver Ford Money
Min deposit £1
Term Instant Access
Interest AER 1.12%

Why we like it: Open with £1. Unlimited deposits and withdrawals. Open an account singly or jointly. Interest can be paid monthly or annually. Eligible deposits covered by UK FSCS.

B
Current and Savings Account B
Open With £1
Account Type Current Account
Interest AER 0.5%

Why we like it: INNOVATIVE NEW BANKING SERVICE powered by Clydesdale and Yorkshire Banks. Get your current account and instant access savings account working together. Earn 0.50% AER on ALL instant access credit balances and 0.25% AER on current account balances up to £2,000. Fee free

Masthaven Bank
Flexible Term Saver Masthaven Bank
Min deposit £500
Term 6 Months
Interest AER 1.00%

Why we like it: 6 month term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

Masthaven Bank
Flexible Term Saver Masthaven Bank
Min deposit £500
Term 9 Months
Interest AER 1.30%

Why we like it: 9 month term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

Masthaven Bank
Flexible Term Saver Masthaven Bank
Min deposit £500
Term 18 Months
Interest AER 1.70%

Why we like it: 18 month term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

Ford Money
Fixed Saver Ford Money
Min deposit £500
Term 1 Year
Gross AER 1.70%

Why we like it: Minimum deposit £500. Open an account singly or jointly. Interest can be paid monthly or annually. Eligible deposits covered by UK FSCS.

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 1 Year
Interest AER 1.85%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

Masthaven Bank
Flexible Term Saver Masthaven Bank
Min deposit £500
Term 30 Months
Interest AER 1.85%

Why we like it: 30 month term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 2 Years
Interest AER 2.00%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

Vanquis
Fixed Rate Bond Vanquis
Min deposit £1000
Term 4 Years
Interest AER 2.10%

Why we like it: Minimum deposit £1,000. Interest paid monthly or annually. Apply online. Eligible deposits covered by UK FSCS.

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Compare Latest Best Buy Deals 

Market Leading Instant Access Savings Account

1. Ulster Bank eSavings »

BEST UK instant access savings account currently is available from Ulster Bank »

You can earn 1.25% AER/Gross pa (variable)  with this easy to use account. You can manage your account online by telephone or via mobile app.

It only takes a few minutes to apply »

2. RCI BANK »

As a second option RCI Bank offers a competitive instant access savings account.

You can earn 1.20% AER/Gross pa (variable). Interest is paid monthly or annually.

Current Accounts Best Buys

Surprisingly some of the highest rates of interest are being paid on current accounts.

You can get up to 3% AER on the TSB Current account on balances up to £1,500. While Santander will pay 1.5% AER of balances up to £20,000 - this compares well with current rates on instant and easy access accounts.

If you are looking for a reward deal for switching to a new current account First Direct are offering £100 for new customers for their current account. The account pays no interest but has some attractive features.

Tax FREE Saving through an ISA

For the 2017/18 tax year, the ISA allowance is £20,000 per person. For instant access the AA Savings Cash ISA pays 0.95% AER which includes a 12 month bonus of 0.75%. That is a competitive deal as long as you remember to switch after 12 months if you can get a better deal.

For fixed rates If you are happy to tie up your cash Aldermore Bank offer a 1.00% AER 1 year fixed rate ISA. Aldermore have a easy online application process.

Finally for a 1 to 5 year term investment ISA if you want to step out of cash and are prepared to take on investment risk the Crowd2Fund Peer to Peer ISA offers a potential 8.70% APR on your money although you need to remember, your actual return may be higher or lower as your capital is at risk. Past performance and forecasts are not reliable indicators of future results.

Latest news

Are you getting 10% on your savings?

In these low interest times getting a decent rate of return on your cash is not easy. Surprisingly some of the best interest rates are available via current accounts.

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Simplysavingsaccounts.co.uk is a trading style of Fair Investment Company Ltd.

We've been comparing savings and current accounts for many years so you can trust you're in good hands.