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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 1.35%

Why we like it: 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)

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

Why we like it: Earn 1.00% gross/AER on balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest.

Aldermore
Notice Cash ISA Aldermore
Min deposit £1000
Term 30 Day Notice
Interest AER 1.30%

Why we like it: Unlimited withdrawals subject to 30 days notice.

Cynergy Bank
Fixed Rate Cash ISA Cynergy Bank
Min deposit £500
Term 1 Year
Interest AER 1.62%

Why we like it: Minimum deposit £500. Transfer in ISAs held elsewhere - no limit. 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 1.90%

Why we like it: MARKET LEADING 1 YEAR FIXED RATE BOND. 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 2 Years
Interest AER 2.10%

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 2.29%

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 2.15%

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 2.25%

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

Kuflink
Innovative Finance ISA (IFISA) Kuflink
Min deposit £100
Term 5 Years
Annual Interest Target rate 7.00%

Why we like it: Why we like it: Up to £250 cashback for new investors.1, 3 or 5 year fixed term. Invest from £100 up to £20,000 this tax year (2018/19) and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. Secured by UK property. No platform or investment fees. Interest paid annually. Returns are not guaranteed and your actual returns may vary. Capital is at risk

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

Kuflink
Innovative Finance ISA (IFISA) Kuflink
Min deposit £100
Term 3 Years
Annual Interest Target rate 6.10%

Why we like it: Why we like it: Up to £250 cashback for new investors.1, 3 or 5 year fixed term. Invest from £100 up to £20,000 this tax year (2018/19) and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. Secured by UK property. No platform or investment fees. Interest paid annually. Returns are not guaranteed and your actual returns may vary. Capital is at risk

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

Kuflink
Innovative Finance ISA (IFISA) Kuflink
Min deposit £100
Term 1 Year
Annual Interest Target rate 5.00%

Why we like it: Why we like it: Up to £250 cashback for new investors.1, 3 or 5 year fixed term. Invest from £100 up to £20,000 this tax year (2018/19) and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. Secured by UK property. No platform or investment fees. Interest paid annually. Returns are not guaranteed and your actual returns may vary. Capital is at risk

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

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Compare The Co-operative Bank savings accounts

It is important to make sure your money is working hard enough for you, to reach your savings goals quickly.

If you want to find the best savings options for you, then you could review the options with The Co-operative Banking Group.

Current Accounts

Historically, interest rates with current accounts have been some of the lowest on the market. However, high street banks have started to increase their current accounts’ interest rates.

The recent trend of high interest current accounts has meant that more people are using their current account for their savings.

The Co-operative Banking Group has a current account that has competitive interest and various rewards for swapping accounts.

Instant Access Savings Accounts

Instant access accounts are popular amongst some savers, as they typically provide unlimited access along with the ability to earn interest.

The Co-operative Banking Group’s instant access account allows you to make a withdrawal at your convenience, as well as enable you to earn a modest amount of interest on your savings.

Easy Access Savings Accounts

Typically, where a bank offers both instant and easy access accounts there is very little difference between the two. When this occurs, it is possible that the easy access account is more likely to have a delay in relation to deposits, withdrawals or transfer transactions.

The Select Access Saver from The Co-operative Bank offers a tiered rate of interest. The fewer times you withdraw from the Select Access Saver over the course of the year, the higher the interest you will receive.

Fixed Rate Bonds

If you are confident that you will not need your savings for a prolonged period of time, you could earn competitive interest with fixed rate bonds. Often fixed rate bonds provide some of the best interest rates on the market, providing you do not withdraw from your savings.

The Co-operative Bank’s fixed rate bonds have their best rates of interest, which run between 1 and 3 years.  It should be noted that often the longer bonds pay the higher rates of interest.

Cash ISAs

If you want to benefit from £20,000 tax-free interest ISA allowance, you could explore the Co-op’s ISAs.

The Co-op offer four different ISA options: Cash ISA, Online Cash ISA, Britannia Additional Allowance ISA and Britannia Fixed Rate Cash ISA.

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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About us

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.