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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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Compare Co-operative Bank savings accounts

The Co-operative Bank markets itself as an “ethical bank”, which can make it an attractive option for savers with a strong social conscience. They have a range of savings options which are worth considering to see if they make a good match for your saving goals. Make sure you are familiar with all of the options the Co-operative Bank offers before making a decision.

Current Accounts

Current accounts often pay very good interest rates, so it is worth keeping as much of your savings in your current account as you can, up to the account limit. 

Although you can usually let your account balance go over the limit, you will generally earn no interest on the excess. This means you will be better moving it to an account designed specifically for savings.

Instant Access Savings Accounts

If you are keen to have an account that offers you flexibility, an instant access savings account could be just the thing. You will normally be able to put money in and take it out straightaway, whenever you want to, although there may be a yearly limit on how often you can do this.

Many instant access accounts now offer online and telephone access for making transfers, and you may also be offered a cash card allowing you to take money out at ATMs.

Fixed Rate Bonds

Savers who have a lump sum, which they don't immediately need, could see a good return by investing in one or more fixed rate bonds. These pay guaranteed rates of interest over a set period in exchange for not being able to access your money during that period. The longer you are willing to lock your money away, the better rate of interest you will normally receive.

Cash ISAs

If you are UK taxpayer, putting some of your savings into a cash ISA is likely to be beneficial. This allows you to earn interest without paying tax on it for deposits up to a yearly allowance set by the government. For the current  tax year that amount is £20,000.

You will usually be offered one of two key types of cash ISA – instant access or fixed term. These work much like instant access savings accounts and fixed rate bonds, respectively, but with the extra bonus of not paying tax on your interest.

Cash ISAs normally offer slightly lower interest rates than some other forms of saving, so make sure to weigh up the savings you will make in tax against the extra interest you could earn with alternative options.

Find the best Co-operative Bank savings account for you

Getting the best deal on your savings means being prepared to shop around. Our savings account comparison tool makes this easy for you by showing you all the best deals we can find from across the industry in one place. Check out the table at the top of the page to see the best deals on savings account available right now.




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