Savings Finder

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Savings Account Finder

In just a few steps compare how our range of accounts can help you save.
Firstly, select the type of saver you are:

Let's get started

You’re saving to buy a house

You’re saving to buy a car

You’re saving for travel

You’re saving for a rainy day

You’re saving for a wedding

You’re saving for your education

You’re saving to have a baby

You’re saving generally

  • Savings Goal
    £50,000
  • Already saved
    £10,000
  • Help to Buy: ISA
    £200/month
  • Money left to save
    £400/month
Start again
  • Do you have a particular savings goal?

    • house-off-active

      Buy a house

    • car-on

      Buy a car

    • travel-on

      Travel

    • rainy-day-on

      Rainy day

    • wedding-on

      Wedding

    • education-on

      Education

    • retire-on

      Baby

    • other-on

      General

  • £
    £
    £
    You could reach your goal in 5 years*
    *This projection does not take into account interest earned on your savings

  • You could be eligible for a Help to Buy: ISA

    Saving for the deposit on your first home? Get a helping hand onto the property ladder with the Help to Buy: ISA by saving up to £200 per month.

     

     

     

    £
    £0 £200

    You can pay in an initial lump sum of up to £1,200 in the first calendar month of opening your Help to Buy: ISA. You can then save up to £200 each month. An interest rate of 2.00% AER, 1.98% tax free p.a. (variable) on all balances applies. When you purchase your first home, providing you’re eligible, the UK Government will pay a bonus of 25% of your closing savings balance i.e. £50 for every £200 up to a maximum of £3,000 (closing balance of £12,000 or more). The minimum bonus is £400 on a closing balance of £1600.

    You can contribute upto £200 each month, to increase your contributions please go to previous page.

     

    You can pay in an initial lump sum of up to £1,200 in the first calendar month of opening your Help to Buy: ISA. You can then save up to £200 each month. An interest rate of 2.00% AER, 1.98% tax free p.a. (variable) on all balances applies. When you purchase your first home, providing you’re eligible, the UK Government will pay a bonus of 25% of your closing savings balance i.e. £50 for every £200 up to a maximum of £3,000 (closing balance of £12,000 or more). The minimum bonus is £400 on a closing balance of £1600.

  • Based on your selection

    You could have £15,000 towards your first property (excluding the UK Government bonus) in a Help to Buy: ISA in 4 year and 6 months
    Total amount towards your goal
    £37.75
    • £12,000 in Help To Buy: ISA (not including any initial lump sum made in the first calendar month)
    • £3,000 25% bonus of your closing balance paid by the UK Government towards your first home. No interest is payable on your government bonus. Not eligible for Bonus

    Important information: The amounts shown are based on the information you have provided. Total savings figure doesn't include interest earned.

  • Select from the following accounts to help you save towards your goal

    You still have £250/month left to save

    Instant Saver

    Instant access savings account

     

    Add product

    Cash ISA

    Instant access tax-free savings account

    Add product

    Savings Builder

    Earn extra interest by saving regularly

     

    Add product
    Decide if it’s right for you

    You want more flexibility with your savings, being able to save as much as you wish with the option to open in joint names. You will also receive a cash card giving you access to all ATMs 24 hours a day. 

    You want tax-free savings within the annual limit and want instant access to your money. 

    You want bonus interest for growing your balance by at least £100 each month. You can open the account with just £1.

    Interest

    Paid monthly

    Paid monthly

    Paid monthly

    AER

    0.01% for balances above £1

    Interest rate unit: AER/gross p.a. (variable)

    • 0.01% for balances under £25,000
    • 0.05% for balances between £25,000 and £49,999
    • 0.25% for balances between £50,000 and £99,999
    • 0.50% for balances over £100,000

    Interest rates unit: AER/ tax-free p.a. (variable)

     

    Balance grows by less than £100 a month: bonus condition is not met
    0.10% for balances above £1
    Balance grows by at least £100 a month: bonus condition is met
    1.50% for balances between £1 and £5,000 (includes 1.40% bonus)
    1.00% for balances between £5,001 and £10,000 (includes 0.90% bonus)
    0.20% for balances over £10,000 (includes 0.10% bonus)
    Interest is paid on a stepped basis which means you'll earn a different rate on each portion of your balance within the above tiers.

    Minimum deposit to open account

    £1 

    £1 

    £1 

    Key conditions and limitations

    Instant Saver is available to customers aged 16 and over  

    Withdrawal exclusion applies.

     

    The ISA allowance for the 2016/2017 tax year is £15,240.  You can put all your allowance into a cash ISA (including Help To Buy: ISA), stocks and shares ISA or an innovative finance ISA, or a combination of the three. How you split it is up to you, provided you don’t exceed your overall allowance and only subscribe (pay in) to one of each type. Money from previous subscriptions can be transferred in using our simple transfer process.

    • The bonus interest is only payable in the month you increase your balance by at least £100
    • Bonus interest is stepped which means you earn a different amount on each portion of your savings
    • You can only have one sole and one joint Savings Builder account

Based on your selection and existing savings

You could reach your goal of £0 in 4 year and 6 months

This is how much you could save and reach in 5 years

£50,000
  • £21,500

    in Help To Buy: ISA*

  • £10,000

    is saved already

*Important Information:

Not included in the above chart is a Help to Buy: ISA Bonus from the UK Government of up to £2992 (amount rounded to the nearest £1) which you could be eligible for. This bonus figure is based on saving in the Help to Buy: ISA for the timeframe detailed on the Help to Buy: ISA summary page. If you are eligible, the Help to Buy: ISA bonus will be based on 25% of your closing balance, up to a maximum of £3000. The above chart timeline rounds up to the nearest year. You are not eligible for Help to Buy: ISA Bonus from Government. You should contribute minimum £1600 to be eligible for bonus from the Government. The above chart timeline rounds up to the nearest year.

Help to Buy: ISA

Saving to buy your first home can be a challenge, but now there’s a way you can get a helping hand. With our Help to Buy: ISA, when you purchase your first home, providing you’re eligible, the UK Government will pay you a bonus of 25% of your closing savings balance i.e. £50 for every £200. So you could get up to £3000 towards your first home. The maximum bonus is paid on closing balances of £12,000 or more.

Instant Saver

You want more flexibility with your savings, being able to save as much as you wish with the option to open in joint names. You will also receive a cash card giving you access to all ATMs 24 hours a day.

Cash ISA

You want tax-free savings within the £15,240 annual limit and want instant access to your money.

Savings Builder

Get rewarded for increasing your savings by at least £100 each month.

 

Important information: The amounts shown are based on the information you have provided. Total savings figure doesn't include interest earned.

Let's get started.

Instant Access

Easy access to your money, anytime. Some customers choose to have 25% of their savings in instant access.

Set up your Cash ISA account

If you don’t want to save anymore in Instant Access select “I don’t need an instant access account,” however, you can save £ of your remaining balance to bring your Instant Access savings to 25%

Money aside

The option to give you bonus interest and convenient access when you need it

Future money. Get rewarded for longer term saving

Get certainty of return by locking in your money for a longer period

Tax free long term saving

Future Money, Fixed Rate ISA 1 Year

Future Money, Fixed Rate ISA 2 Year

You have £ left to save

Would you like to save in another fixed term account?

Set up your Savings Builder account

Set up your Instant Saver account

Money aside

An account that offers both flexibility and reward.

You have money left to save. Where would you like to put it?

Future money

Save for the long term and expect a better return.

  • Total money to save
    £0
  • Instant Access
    £0
  • Money aside
    £0
  • Future money
    £0
  • Money left to save
    £0
Start again
  • £
  • Your savings options

    Choosing the right savings account starts with knowing what you
    want. Money to hand as you need it? Certainty of return over a fixed period? Perhaps a bit of both.

    Savings Account Finder will take you through three steps:

    • 1

      Instant Access

      Holding some of your savings in accounts you can access anytime could help to cover unexpected costs or emergencies.

       

      If you have £25,000 or more our Premium Saver may be more appropriate than our other Instant Access accounts as you could get a higher interest rate in any month where you don’t make a withdrawal. If this applies to you, select “I don’t need an access anytime account” on the next screen. Instant Saver or Cash ISA may be more appropriate if you need an account you can regularly withdraw from.

    • 2

      Money aside

      Looking for a higher rate on larger balances but still want the flexibility of instant access to your money?

       

      Our Premium Saver account gives you a higher interest rate if you leave your money untouched, while offering easy access if you need to withdraw money. You will earn a lower rate in any month you make a withdrawal.

    • 3

      Future money

      If you have a savings lump sum and are happy to lock your money away for one or two years, a Fixed Term Savings Account or Fixed Rate ISA may give you a better rate of interest than an instant access account. The longer the term you choose, the higher the interest rate will be.

  • Instant Access
    Money aside
    Future money

    Choose the amount you want in an Instant Access savings account

    Having some of your savings in instant access means you can withdraw this money whenever you need it. There is no hard and fast rule on how much to have in these type of accounts, as an example you could have:

    £0

    The right amount for you will depend on your circumstances. You can choose whatever amount you want instant access to below, the percentage of your savings shown above is 25%

    £
    £0 £2000000

    The ISA allowance for the 2016/2017 tax year is £15,240.  You can put all your allowance into a cash ISA (including Help To Buy: ISA), stocks and shares ISA or an innovative finance ISA, or a combination of the three. How you split it is up to you, provided you don’t exceed your overall allowance and only subscribe (pay in) to one of each type. Money from previous subscriptions can be transferred in using our simple transfer process.
     

    Set a range between

    £1

    to £0

    £
  • Based on your selection so far

    Amount saved so far
    £37.75
    0.98% average AER*

    Instant Access

    • £0 in Cash ISA
    • £0 in Savings Builder
    • £0 in Instant Saver

    Money aside

    • £0 in Premium Saver

    Future money

    • £0 in Fixed Rate ISA - 1 Year
    • £0 in Fixed Rate ISA - 2 Years
    • £0 in Fixed Term Savings Account - 1 Year
    • £0 in Fixed Term Savings Account - 2 Years

    Important Information: The amounts shown are based on the information you have provided. Interest rates are correct on the date of using Savings Account Finder however are subject to change and are based on the assumption that any conditions of the account and bonus have been met. *Average AER is an indication of the combined rate if you have selected more than one product with different interest rates. Total savings figure doesn't include interest earned. Savings account finder does not provide recommendations and not all of our savings products are included.

  • Instant Access
    Money aside
    Future money

    Premium Saver account

    Money left to save

    £0

    Our Premium Saver account rewards you with higher interest each month you leave your money untouched. You'll get bonus interest on balances between £25,000 and £1,000,000 if no withdrawals are made in the month.

    Interest is paid Monthly AER/Gross p.a. (variable). Where one or more withdrawals are made in a month the following interest rates apply: 0.01% for balances more than £1. Where no withdrawals are made in month the following interest rates apply: 0.01% for balances between £1 and £24,999 (no bonus paid), 0.25% for balances between £25,000 and £49,999 (includes 0.24% bonus), 0.50% for balances between £50,000 and £1m (includes 0.49% bonus) and 0.01% for balances above £1m (no bonus paid). Interest is paid on a tiered basis which means you’ll earn one interest rate on your entire account balance.

    You need an additional £ 0 to qualify. If you don't have further funds, click "No thanks" below to be shown your remaining options.

    £
  • Instant Access
    Money aside
    Future money

    Premium Saver account

    Money left to save

    £0

    Our Premium Saver account rewards you with higher interest each month you leave your money untouched. You'll get bonus interest on balances between £25,000 and £1,000,000 if no withdrawals are made in the month.

    Interest is paid Monthly AER/Gross p.a. (variable). Where one or more withdrawals are made in a month the following interest rates apply: 0.01% for balances more than £1. Where no withdrawals are made in month the following interest rates apply: 0.01% for balances between £1 and £24,999 (no bonus paid), 0.25% for balances between £25,000 and £49,999 (includes 0.24% bonus), 0.50% for balances between £50,000 and £1m (includes 0.49% bonus) and 0.01% for balances above £1m (no bonus paid). Interest is paid on a tiered basis which means you’ll earn one interest rate on your entire account balance.

    Input between £25000 and £0

    £
  • Based on your selection so far

    Amount saved so far
    £37.75
    0.98% average AER*

    Instant Access

    • £0 in Cash ISA
    • £0 in Savings Builder
    • £0 in Instant Saver

    Money aside

    • £0 in Premium Saver

    Future money

    • £0 in Fixed Rate ISA - 1 Year
    • £0 in Fixed Rate ISA - 2 Years
    • £0 in Fixed Term Savings Account - 1 Year
    • £0 in Fixed Term Savings Account - 2 Years

    Important Information: The amounts shown are based on the information you have provided. Interest rates are correct on the date of using Savings Account Finder however are subject to change and are based on the assumption that any conditions of the account and bonus have been met. *Average AER is an indication of the combined rate if you have selected more than one product with different interest rates. Total savings figure doesn't include interest earned. Savings account finder does not provide recommendations and not all of our savings products are included.

  • Instant Access
    Money aside
    Future money

    Remaining to save

    £0


  • Instant Access
    Money aside
    Future money
    £
    £0 £500000

    Note: Early Closure Charges will apply if the account is closed early. Fixed rate ISA has a minimum deposit of £1000.

    The ISA allowance for the 2016/2017 tax year is £15,240. You can put all your allowance into a cash ISA (including Help To Buy: ISA), stocks and shares ISA or an innovative finance ISA, or a combination of the three. How you split it is up to you, provided you don’t exceed your overall allowance and only subscribe (pay in) to one of each type. Money from previous subscriptions can be transferred in using our simple transfer process.

  • Based on your selection so far

    Amount saved so far
    £37.75
    0.98% average AER*

    Instant Access

    • £0 in Cash ISA
    • £0 in Savings Builder
    • £0 in Instant Saver

    Money aside

    • £0 in Premium Saver

    Future money

    • £0 in Fixed Rate ISA - 1 Year
    • £0 in Fixed Rate ISA - 2 Years
    • £0 in Fixed Term Savings Account - 1 Year
    • £0 in Fixed Term Savings Account - 2 Years

    Important Information: The amounts shown are based on the information you have provided. Interest rates are correct on the date of using Savings Account Finder however are subject to change and are based on the assumption that any conditions of the account and bonus have been met. *Average AER is an indication of the combined rate if you have selected more than one product with different interest rates. Total savings figure doesn't include interest earned. Savings account finder does not provide recommendations and not all of our savings products are included.

Nicely done! Here's your savings summary

Total amount saved
£37.75
0.98% average AER*

Instant Access

  • £0 in Cash ISA
  • £0 in Savings Builder
  • £0 in Instant Saver

Money aside

  • £0 in Premium Saver

Future money

  • £0 in Fixed Rate ISA - 1 Year
  • £0 in Fixed Rate ISA - 2 Years
  • £0 in Fixed Term Savings Account - 1 Year
  • £0 in Fixed Term Savings Account - 2 Years
Based on your selection, the maximum interest you could earn in the first year is
£0.

Instant Access

Cash ISA

Enjoy tax-free savings up to the £15,240 annual ISA limit - with the convenience of instant access to your money when you need it.

Savings Builder

Get rewarded for increasing your savings by at least £100 each month.

 

Instant Saver

You want more flexibility with your savings, being able to save as much as you wish with the option to open in joint names. You will also receive a cash card giving you access to all ATMs 24 hours a day.

Money Aside

Premium Saver

Our Premium Saver account rewards you with higher interest each month you leave your money untouched. You'll get bonus interest on balances between £25,000 and £1,000,000 if no withdrawals are made in the month.

Future Money

Fixed Rate ISA 1 year

Enjoy tax-free savings up to the annual ISA limit - with the certainty of a fixed rate. Minimum balance £1,000.

Fixed Rate ISA 2 year

Enjoy tax-free savings up to the annual ISA limit - with the certainty of a fixed rate. Minimum balance £1,000.

Fixed Term 1 year

Enjoy the certainty of a fixed rate. Minimum balance £5,000.

Fixed Term 2 year

Enjoy the certainty of a fixed rate. Minimum balance £5,000.

Important Information: The amounts shown are based on the information you have provided. Interest rates are correct on the date of using Savings Account Finder however are subject to change and are based on the assumption that any conditions of the account and bonus have been met. *Average AER is an indication of the combined rate if you have selected more than one product with different interest rates. Total savings figure doesn't include interest earned. Savings account finder does not provide recommendations and not all of our savings products are included.

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