*Headline rate includes a guaranteed fixed bonus rate of 3.01% for the first 12 months (on balances up to £1 million), plus the standard variable rate which is currently 1.05%. After 12 months, you’ll continue to receive the standard variable rate (all rates are Gross/ AER. Annual interest payments. Unlimited deposits and withdrawals (daily limits apply). 24/7 access to your savings through the mobile app. Your eligible deposits held by a UK establishment of Barclays Bank UK PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Barclays, Barclays Business Banking, Barclays Premier Banking, Barclays Wealth Management and Tesco Bank. Any total deposits you hold above the limit between these brands are unlikely to be covered
Unlimited deposits and withdrawals. Open in sole or joint name. FSCS Protected. After 12 months, cahoot will transfer your account to an cahoot Savings Account. Before the term ends, cahoot will contact you with your new interest rate
Withdraw on any 4 days a year. Unlimited deposits. Open in sole or joint name. FSCS Protected
After 12 months, the account will be transferred to an online easy access savings account
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 FSCS
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% 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
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)
Details
Minimum Age
18
UK Resident
Yes
Christmas Regular eSaver
Interest AER5.00%
Min deposit£1
TermInstant Access
Christmas Regular eSaverYorkshire Building Society
Save up to £150 per month until October 2026. From November 1st 2026 your account will be transferred to an online easy access savings account. Open in a single or a joint name. Open and manage account online. FSCS Protected
Unlimited deposits and withdrawals. Maximum of 1 sole account and 1 joint account per person. Open and manage your account online. FSCS Protected. After 12 months, cahoot will transfer your account to an cahoot Savings Account. Before the term ends, cahoot will contact you with your new interest rate to an Everyday Saver. Before the term ends, Santander will contact you with your new interest rate
£500 bonus to boost your savings if you receive a residential purchase mortgage offer from Leeds Building Society
Why we like it
The Home Deposit Saver lets you earn a competitive rate of interest whilst building up the deposit needed for your first or next home. Open and manage online. FSCS Protected. You can only pay in up to £500 in a single month. Withdrawals are limited to 1 each year. You can deposit up to £30,000 in total. Bonus eligibility criteria apply
Chance to win £1,000. Open a new 95-Day Notice Base Rate Tracker account between 12th and 20th February 2026, deposit at least £2,000, and you could be in the draw to win up to £1,000
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
Finding the right savings account for you can be the key to getting the most out of your savings. If you think your money is not working hard enough, you might want to change your savings account.
Shawbrook Bank offer a range of savings options that could help you reach your savings goals quickly.
An easy access account can allow you to stay flexible with your savings. The majority of easy access accounts allow you to make withdrawals without penalty and earn interest on your savings.
Shawbrook Bank’s Easy Access account has a relatively small interest rate, but you can remain flexible with your savings and make unlimited withdrawals.
Notice savings accounts often advertise higher interest rates, but require a number of days’ notice for withdrawals.
The notice savings account from Shawbrook Bank has a higher rate of interest than their easy access account. However, to benefit from this higher interest, you will have to provide 120 days’ notice to make a withdrawal.
Typically, the best interest rates available on the market come with fixed rate bonds. In exchange for higher interest rates, you cannot withdraw from your savings for the life of the fixed rate bond.
Shawbrook Bank has a wide selection of fixed rate bonds, which run between 1 and 7 years. It should be noted that Shawbrook Bank’s best interest rate is reserved for their longest fixed rate bond.
Cash ISAs can allow you to earn up to £20,000 tax-free interest. This could be an appealing prospect, if you have a large amount of savings that is likely to earn a lot of interest.
The cash ISA available with Shawbrook Bank allows you to take advantage of the tax-free interest allowance, as well as giving you unlimited access to your savings.
