All in One Money Management App for Banking, Budgeting, Saving, Borrowing, Investing and more. Track all your bank accounts in one place: Connect more than 30+ banks in the UK to see where your money goes. Start saving with Emma Pots: Earn up to 3.72% AER when opening an Easy Access Pot (FSCS protected). Get cashback at more than 500+ retailers across the UK. Pay anyone instantly: Send and request money by sending payment links or QR codes. Move money across multiple banks, split a purchase, or top up your investment account in seconds. Invest in over 1,000 US stocks (low minimum investment £1), Capital at risk. Personal loan available: Emma Borrow can help you improve your credit history or find credit from a panel of over 60 lenders. Credit cards comparison service: Find the best credit card deals without affecting your credit score. Get a standard Emma Plan for free: Join 1.6 million people working towards a better financial life. Other plans available with enhanced features with extra associated costs
SPECIAL OFFER - Switch to a 1st Account and get £175*. Requires credit check. New customers only and T&Cs apply. Within 45 days of your account opening you need to: switch to first direct using the Current Account Switch Service (including at least 2 Direct Debits or standing orders), deposit £1,000, make 5+ debit card payments, and log on to digital banking. New customers only, who haven’t previously held a first direct product. first direct also can’t offer this to people who have opened an HSBC current account on or after 1 January 2018. Offer can be withdrawn at any time. Subject to status. UK residents only
Why we like it
Get access to a Regular Saver Account - Put away between £25 and £300 for a fixed 12 month term. If you save £300 every month for 12 months and qualify for the 7.00% AER/gross p.a. interest rate, you'll earn approximately £136.50 interest (gross). Interest is calculated daily and paid 12 months after you opened the account. AER stands for Annual Equivalent Rate. This shows you what the rate would be if interest were paid and compounded each year. Gross is the rate of interest if interest were paid and not compounded each year. No partial withdrawals allowed. Early closure will result in interest being paid at the standard account variable rate. £250 interest-free overdraft (subject to status). No minimum monthly funding and no monthly account fee. No first direct fees for when spending abroad, withdrawing cash from the UK or when making a debit card payment in a foreign currency in the UK. Mobile banking app. UK based contact centre. Representative Example: How does our overdraft compare? The representative APR shows the cost of borrowing over a year, so you can use it to compare the cost of our overdraft against other overdrafts and ways of borrowing. 0% EAR variable on the first £250, 39.9% EAR variable thereafter, giving a representative rate of 30.5% APR variable (assumed arranged overdraft £1,200). For customers with an offset mortgage linked to a 1st Account, the interest-free limit will not apply
NatWest Select Account - an everyday current account. Great money management tools with NatWest’s mobile banking app. Criteria Apply. No monthly fee. You need to be 18+ and a UK resident. How does NatWest’s overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.50% / 5.37% AER/Gross p.a. (variable) interest on the first £5k saved and 1.06%/1.05% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a NatWest Current Account. Interest paid monthly. Eligibility criteria apply.
Royal Bank of Scotland Select Account - an everyday current account. Great money management tools with Royal Bank of Scotland's mobile banking app. Criteria Apply. No monthly fee. You need to be 18+ and a UK resident. How does NatWest’s overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.50% / 5.37% AER/Gross p.a. (variable) interest on the first £5k saved and 1.06%/1.05% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a Royal Bank of Scotland Current Account. Interest paid monthly. Eligibility criteria apply.
Details
Interest Paid
18
Maximum Balance
Yes
Minimum Age
UK Resident
Everyday Current Account
FeaturesGet £200 when you switch to a Santander Everyday Current Account*
Open With £1
Account TypeCurrent Account
Everyday Current AccountSantander
Open With £1
Account TypeCurrent Account
FeaturesGet £200 when you switch to a Santander Everyday Current Account*
Get a £200 welcome when you switch your current account using the Current Account Switch Service*
Why we like it
No minimum monthly funding or monthly fee to maintain the account. Access to Santander Regular Saver with 5.00% AER/Gross (fixed) for 12 months. Save up to £200 per month. Get cashback, vouchers, prize draws and other offers personalised to you when you use Santander Boosts (you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking). Stress-free account switching in 7 days with the Current Account Switch Service. £300 ATM withdrawal per day, Arranged Overdraft facility (subject to status). Online and Mobile Banking with text and email alerts. 39.94% EAR overdraft charge. *For switch offer, open a Santander Everyday current account, request a switch before Santander remove the offer. Make sure the details you give are correct and match those at your old bank. Complete the switch within 60 days of your request, have at least 2 active selected household Direct Debits and pay in £1,500. Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Offer may end at any time. Terms and conditions apply
NatWest Reward Account. Earn from 1% back when you spend with selected partners, plus up to £5/month back in Rewards. T&Cs and eligibility criteria apply. £2/ month. You must be 18+ and a UK resident. You must pay in £1,250 each month. Earn £5/month back in Rewards: £2 for 2 direct debits of +£2 each, and £1 for monthly app log in. Earn 1% back in Rewards when you spend with selected partners. How does NatWest’s overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.50% / 5.37% AER/Gross p.a. (variable) interest on the first £5k saved and 1.06%/1.05% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a NatWest Current Account. Interest paid monthly. Eligibility criteria apply.
Royal Bank of Scotland Reward Account. Earn from 1% back when you spend with selected partners, plus up to £5/month back in Rewards. T&Cs and eligibility criteria apply. £2/ month. You must be 18+ and a UK resident. You must pay in £1,250 each month. Earn £5/month back in Rewards: £2 for 2 direct debits of +£2 each, and £1 for monthly app log in. Earn 1% back in Rewards when you spend with selected partners. How does Royal Bank of Scotland's overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year. Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200. Access to Digital Regular Saver – Deposit £1-£150p per month. Earn 5.50% / 5.37% AER/Gross p.a. (variable) interest on the first £5k saved and 1.06%/1.05% AER/Gross p.a. (variable) on anything over £5k. Other Savings products are available with a Royal Bank of Scotland Current Account. Interest paid monthly. Eligibility criteria apply.
Details
Interest Paid
18
Maximum Balance
Yes
Minimum Age
UK Resident
Edge Current Account
FeaturesGet £200 when you switch to a Santander Edge Current Account*
Open With £500
Account TypeCurrent Account
Edge Current AccountSantander
Open With £500
Account TypeCurrent Account
FeaturesGet £200 when you switch to a Santander Edge Current Account*
Get a £200 welcome when you switch your current account using the Current Account Switch Service*
Why we like it
Earn 1% cashback every month on selected household bills paid by Direct Debit, capped at up to £10 each month. Access to Santander Edge saver with 6.00% AER/ 5.84% Gross (variable) interests on balances up to £4000 (includes 2.50% AER/ 2.47% Gross (variable) bonus rates for the first 12 months from opening). Get cashback, vouchers, prize draws and other personalised offers when you use Santander Boosts (must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking). No fees or charges for international payments or CHAPS payments. Arranged overdraft interest rate of 39.94% APR/EAR (variable). For cashback offer you must pay a minimum of £500 into your account each month, have 2 active Direct Debits, be over 18 and live in the UK permanently. Paper-free account. £3 monthly fee. *For switch offer, open a Santander Edge current account, request a switch before Santander remove the offer. Make sure the details you give are correct and match those at your old bank. Complete the switch within 60 days of your request, have at least 2 active selected household Direct Debits and pay in £1,500. Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Offer may end at any time. Terms and conditions apply
Details
Interest Paid
18
Maximum Balance
Yes
Minimum Age
UK Resident
Edge Up Current Account
FeaturesGet £200 when you switch to a Santander Edge Up Current Account*
Open With £1500
Account TypeCurrent Account
Edge Up Current AccountSantander
Open With £1500
Account TypeCurrent Account
FeaturesGet £200 when you switch to a Santander Edge Up Current Account*
Get a £200 welcome when you switch your current account using the Current Account Switch Service*
Why we like it
2.10% AER/2.08% gross (variable) on balances up to £25,000. 1% cashback (up to £15 a month) on selected household bills when you pay by Direct Debit. Access to Santander Regular Saver with 5.00% AER/Gross (fixed) for 12 months. Save up to £200 per month. Make international payments with no extra fees (the bank receiving the payment may still apply charges). There's also no charge for making CHAPS payments from this account. No fees for using Santander Edge Up debit card to withdraw cash and make payments outside the UK in the local currency. Get cashback, vouchers, prize draws and personalised offers with Santander Boosts , free rewards service. Online and Mobile Banking available with text and email alerts. £5 monthly fee for maintaining the account that will automatically be taken from the account each month. Must pay a minimum of £1,500 into the account each month. Must have 2 active Direct Debits. Arranged overdraft facility (subject to status). If you use an arranged overdraft you’ll be charged an interest rate of 39.94% APR / EAR (variable). Online and Mobile Banking available with text and email alerts. *For switch offer, open a Santander Edge Up current account, request a switch before Santander remove the offer. Make sure the details you give are correct and match those at your old bank. Complete the switch within 60 days of your request, have at least 2 active selected household Direct Debits and pay in £1,500. Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Offer may end at any time. Terms and conditions apply
Details
Interest Paid
18
Maximum Balance
Yes
Minimum Age
UK Resident
Edge Explorer Current Account
FeaturesGet £200 when you switch to a Santander Edge Explorer Current Account*
Open With £0
Account TypeCurrent Account
Edge Explorer Current AccountSantander
Open With £0
Account TypeCurrent Account
FeaturesGet £200 when you switch to a Santander Edge Explorer Current Account*
Get a £200 welcome when you switch your current account using the Current Account Switch Service*
Why we like it
1% cashback on selected household bills (up to £10 a month). Plus 1% cashback at supermarkets and on travel costs (up to £10 a month). Worldwide travel insurance (excluding Cuba) for you and your family including winter sports. 24/7 remote access to a GP in the UK for you and your family. UK and European breakdown cover - whether you're the driver or passenger. Mobile phone insurance - cover for you and your family. Access to Santander Edge® Saver with 6.00% AER / 5.84% gross (variable) interest on balances up to £4,000 (includes 2.00% AER / 1.98% gross (variable) bonus rate for the first 12 months from opening). International payments with no extra fees (the bank receiving the payment might still apply charges). No charge for making CHAPS payments from this account. No Santander fees for using your Santander Edge® Explorer debit card to withdraw cash and make payments outside the UK in the local currency. Get cashback, vouchers, prize draws, and other offers personalised for you with Santander Boosts (you must have a personal Santander debit or credit card, be 18 years or over and be registered for Online and Mobile Banking). Arranged overdraft facility (subject to status). If you use an arranged overdraft, you’ll be charged an interest rate of 39.94% APR / EAR (variable). £17 monthly fee. To open an account, you must be 18-73 years old and live in the UK permanently. If it's a joint account, you must both live at the same UK address. Once you're 75 years old, you are no longer eligible for the travel insurance benefits. You can only have 1 Santander Edge® Explorer account at a time. *For switch offer, open a Santander Edge Explorer current account, request a switch before Santander remove the offer. Make sure the details you give are correct and match those at your old bank. Complete the switch within 60 days of your request, have at least 2 active selected household Direct Debits and pay in £1,500. Not available if you held a Santander current account on 1 January 2025. Or if you have received a Santander switcher incentive before. Offer may end at any time. Terms and conditions apply
Online Savings Accounts can be managed at any time, making it easier for you when you cannot reach your branch. Savings Accounts are there for you to earn interest and it is quick and easy to register for an online savings account.
Easy Access Online Savings Accounts can come with variable interest rates, allowing you to add or withdraw money whenever it suits you. They do not always pay the most competitive rates, however they are great for those who want the option to save with flexibility and ease. They usually pay interest on much larger balances than current accounts.
Similar to Easy Access Savings Accounts, except that they usually offer better interest rates in exchange for you having to give the bank a set amount of notice before withdrawing funds. Notice periods vary, but 30, 60, 90 and 120 days are most common.
Fixed Rate Bonds offer guaranteed rates of interest in exchange for agreeing not to touch your online savings for a set period of time. They usually last for 1, 2, 3 or 5 years and some will allow you to withdraw your money early in exchange for a penalty fee.
ISAs allow you to earn interest on your online savings tax free on deposits up to a threshold decided each year by the UK government. For the 2017/2018 tax year, the limit is £20,000. There are various types of ISAs, including those offering both fixed and variable rates, plus various specialist ISAs.
Compare high interest online savings accounts
With so many different types of online savings accounts and lenders to choose from, knowing where the best place to put your savings can be difficult.
The online savings account comparison table at the top of this page lets you quickly and easily compare top online savings accounts from all the leading providers. This offers a simple way to find the best deal for you, allowing you to start earning a good rate of return on your savings.
