Savings accounts are a low-risk way of earning interest on your money. Your cash is protected by the FSCS and you can generate income on a monthly, quarterly or annual basis. Use our guides to find the best savings accounts for your money.
Best Cash ISA Interest Rates for September 2026
We currently rate XTB as having the best all-round Cash ISA, paying 4.00% with no reliance on a temporary bonus rate, plus easy access and flexible withdrawals. Tembo Money also pays 4.00%, but its underlying rate is only 2.80%, with the remainder coming from a bonus. What are Cash ISAs?
Best Junior Cash ISAs Rates
In the following guide, we look at the interest rates on Junior ISAs (JISAs), which can be opened online. We also explain the benefits and drawbacks of such accounts. Best Online Junior Cash ISA Rates For Kids Savings What is a Junior Cash ISA (JISA)? Junior Individual Savings Accounts (JISAs)
Best Savings Platforms & Rates
We currently rate Hargreaves Lansdown Active Savings is the best savings platform overall, as they offer the highest current rate at 4.86% from 70+ savings accounts and access to Cash ISAs. Flagstone is best for larger cash balances, offering the widest choice with 200+ accounts, while Raisin is best for
Best Prize Savings Accounts
Prize savings accounts are lottery-style savings accounts where you can win a big cash payout instead of getting interest on your money. The most famous example is National Savings & Investments’ (NS&I) Premium Bonds, but there are alternatives to Premium Bonds, too. We’ve compared the best savings accounts that offer
Best Children’s Savings Accounts September 2026
Children are the luckiest investors of all time because they have an abundance of something that adults do not have: time. The earlier you start to invest and save for your children, the better off they can be in the future. This short guide talks you through some of the
Best Easy Access Savings Accounts for September 2026
An easy access savings account is a cash savings account that offers you fast access to your money whenever you need it, unlike some other types such as notice accounts, where you may have to give 30 or 90 days’ notice (like Premium Bonds for example) to make a withdrawal.
Best Monthly Income Savings Accounts September 2026
Monthly income savings accounts are good if you’ve got a decent chunk of cash savings and you want to earn a regular income from it, there are accounts on the market which pay interest monthly, and with some, you can choose to withdraw it or keep it in your savings
Best Notice Savings Accounts September 2026
Notice savings accounts are a type of cash savings account which sits somewhere between an instant access savings account and a fixed-term savings bond. Notice Savings Accounts Best Rates for September 2026 The top 5 highest paying notice savings accounts right now (for a deposit of £5,000) are below. All
Best High Interest-Paying Savings Current Accounts September 2026
High-interest-paying accounts are typically savings accounts where you can earn a return on your cash in the form of interest. It could be a cash ISA, a savings account linked to your bank account, or a savings bond where you lock your money away for a few years. But as
Best Fixed Rate Saving Bonds September 2026
Fixed-rate bonds are a great way for savers to know exactly how much they will earn on their savings for a fixed amount of time. Most people save cash for different purposes, including short-term and longer-term goals. To secure a better interest rate on your interest-paying savings accounts, it makes
Best Cash Lifetime ISA Rates for September 2026
Cash lifetime ISAs (LISAs) come with a 25% government bonus top-up and are individual savings accounts that are structured as a “tax wrapper” which means there’s no tax on the interest you earn from money in the account. Whilst cash lifetime ISAs (LISAs) are great for short-term savings boosts for
Best Business Savings Account Rates
Choosing the right business savings account comes down to balancing access, interest rates and certainty, and many businesses use a mix of different accounts to manage their cash more effectively. Businesses can choose from several different types of savings accounts depending on how quickly they need access to their money
Latest Savings Account News & Reviews
Are Savings Accounts Safe?
All savings accounts that operate in the UK must be regulated by the Financial Conduct Authority (FCA). The FCA is responsible for ensuring that UK savings platforms are properly capitalised, treat customers fairly and have sufficient compliance systems. We only feature savings accounts that are regulated by the FCA, where your funds are protected by the Financial Services Compensation Scheme (FSCS) if the provider goes bust.
The FSCS means your funds are protected up to £120,000 (before December 2025, it was £85,000) if the provider goes bust. Your money is also safer in a savings account vs an investing account as the value of investments can go down as well as up. However, your returns from savings accounts are typically not as good because the risk is lower.
It’s worth knowing that the FSCS deposit protection limit is per institution, so if your savings provider is part of a group, and you have accounts with several brands in that group, the limit applies to the combined total of your accounts.
How Do Savings Accounts Work?
Ideally, you put some money in your savings account regularly to build up your pot and earn plenty of interest. You can use any savings account to do this but you may get a better rate with a fixed rate account (which restricts access to your money) or a regular saver account.
With a regular saver account, you deposit money into it each month for a year, typically, and then receive your interest at the end of the term. There may be conditions attached. If the regular saver is a sweetener to get you to switch banks, you’ll probably need to open a current account using the bank’s switching service to get the linked saver.
- Top tip: in some cases, you can earn more than you would on interest for small balances by taking advantage of a bank account switching bonus.
With these linked savers, there may be criteria to meet such as getting your salary paid into the current account and having a minimum number of direct debits going out each month. Then there may be rules attached to the regular saver, such as having to pay in a minimum or set amount each month. If you miss a payment or pay less than required, you could forfeit your interest. You can’t usually make withdrawals once you’ve started paying in, so in that sense a regular saver is similar to a fixed-rate bond.
When the fixed term is up, your regular saver will usually be automatically converted into a standard savings account on a much worse rate, so this could be a good time to look for a better deal.
Katie Brain, consumer banking expert at research and ratings provider Defaqto, says regular savings accounts look attractive compared with standard savings products.
“Regular savings accounts have historically offered better rates than standard accounts to attract regular deposits, but unfortunately the rates have dropped significantly in recent months leaving savers with fewer options.
“To make the most of your savings, it’s worth shopping around and seeing if you are eligible for a better rate at your local building society. While a number of building societies offer deals which are available to savers nationwide, some decent ones are only accessible through local branches.”