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This comparison simply includes all savings accounts.

Cynergy Bank
Online Easy Access Account Cynergy Bank
Min deposit £1
Term Easy Access
Interest AER 1.31%

Why we like it: Unlimited deposist and withdrawals, interest paid annually. Includes 0.61% AER bonus for first 12 months. Eligible deposits covered by UK FSCS.

Aldermore
Easy Access Account Aldermore
Min deposit £1000
Term Easy Access
Interest AER 1.25%

Why we like it: Balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest. Eligible deposits covered by UK FSCS.

Ford Money
Flexible Cash ISA Ford Money
Min deposit £1
Term Instant Access
Interest AER 1.27%

Why we like it: Minimum deposit £1. Unlimited deposits. Transfer in ISAs held elsewhere - no limit. Eligible deposits covered by UK FSCS.

Cynergy Bank
Fixed Rate Cash ISA Cynergy Bank
Min deposit £500
Term 1 Year
Interest AER 1.40%

Why we like it: Minimum deposit £500. Transfer in ISAs held elsewhere - no limit. Eligible deposits covered by UK FSCS.

Habib Bank Zurich
Fixed Rate Bond Habib Bank Zurich
Min deposit £1000
Term 1 Year
Interest AER 1.65%

Why we like it: Minimum deposit £1000. No withdrawals permitted. Apply online. Eligible deposits covered by UK FSCS.

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 2 Years
Interest AER 1.75%

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

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 3 Years
Interest AER 1.85%

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

Aldermore
Fixed Rate Bond Aldermore
Min deposit £1000
Term 4 Years
Interest AER 1.80%

Why we like it: Minimum deposit £1,000 - No withdrawals permitted - FSCS Protected

Aldermore
Fixed Rate Bond Aldermore
Min deposit £1000
Term 5 Years
Interest AER 2.00%

Why we like it: Minimum deposit £1,000 - No withdrawals permitted - FSCS Protected

easyMoney
Premium Innovative Finance ISA (IFISA) easyMoney
Min deposit £10000
Term No Fixed Term
Annual Interest Target rate 5.12%

Why we like it: Higher rates available if investing over £20,000 (6.06%) or over £100,000 (7.01%). Invest up to £20,000 this tax year and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. When you join the easyMoney family you will automatically become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680). As with all investing, your capital is at risk when you lend to businesses and returns are not guaranteed. No FSCS. For more details please refer to our full risk statement.

Disclaimer: When making a peer to business loan, your capital lent to a borrower is not covered in the event of loss by the FSCS

easyMoney
Classic Innovative Finance ISA (IFISA) easyMoney
Min deposit £100
Term No Fixed Term
Annual Interest Target rate 3.67%

Why we like it: Invest up to £20,000 this tax year (2018/19) and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. Invest over £1,000 and you will automatically become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680). As with all investing, your capital is at risk when you lend to businesses and returns are not guaranteed. No FSCS. For more details please refer to our full risk statement.

Disclaimer: When making a peer to business loan, your capital lent to a borrower is not covered in the event of loss by the FSCS

Nationwide
FlexDirect Current Account Nationwide
Open With £1000
Account Type Current Account
Interest AER 5.00%

Why we like it: 5.00% interest for 12 months on balances up to £2,500 for the first year. You must pay in £1,000 or more each month to receive interest (excluding transfers from any Nationwide account held by you or anyone else). 12 month fee-free arranged overdraft available. No monthly fee. Must be aged 18 or older.

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Compare AA savings accounts

Finding the right savings account can affect how quickly your savings grow. Of course, the savings account that works for you will depend on the amount of savings you have, how long you are prepared to put your savings away for and the amount of interest you are looking to receive.

To find the best savings account for your set of circumstances, you should review the accounts available through the AA below.

Current Accounts

A number of high street banks have recently increased their current account interest rates to encourage more customers to switch accounts.

It should be noted that high interest current accounts often have a ceiling over which they will not pay interest. Therefore, for smaller amounts of money a current account could be a good option.

Bear in mind, if you have a substantial amount of savings, you are better off moving anything over the interest-paying limit to a different savings account.

AA do not provide a current account.

Instant Access Savings Accounts

AA currently offer two savings accounts with instant access: the Easy Saver account and the Member Saver account.

The Easy Saver account offers competitive interest whilst giving you the flexibility to withdraw your savings at any time. It should be noted that the interest reverts to an underlying rate after the first year.

The Member Saver account provides a slightly higher rate than the Easy Saver account, however it is exclusively available to AA members.

Cash ISAs

If you have a substantial amount of savings and you are looking to benefit from £20,000 tax-free interest ISA allowance, you could explore the AA ISAs.

The Easy Access ISA from the AA offers the ability to withdraw from your savings and earn tax-free interest, in exchange for a lower interest rate than their other products.

AA also offer 1 or 2 year Fixed Rate ISAs, which offer their highest rate of interest. However, the Fixed Rate ISAs prohibit you from making any withdrawals. Therefore, you should only consider the AA’s fixed rate product if you are confident that you will not need your savings for the duration of the term.

Latest news

Pensioner Bond Maturity - 5 Ideas For Your Cash

From January 2018 over 900,000 people who invested in pensioner bonds will start to see their bonds mature. Savers who have been enjoying 4% pa are going to get a shock when they look for comparable returns from cash in the current market. We have put together 5 ideas for your cash in 2018

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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.