UK savings accounts for US citizens
Momo checked 65 providers. 65 offer a savings account. Of those 65, 48 will take you outright and 4 attach conditions. 13 refuse. Last checked .
UK savings accounts mostly open for US citizens. The interest is simple, the account is simple, and the only homework is on your side: the US taxes the interest and may want it reported.
A plain savings account holds cash and pays interest. Nothing about it troubles a US person at the provider end, so acceptance is wide; the same FATCA reporting that applies to a current account applies here, and most banks handle it without comment.
The catch sits on your tax return, not the application. The US taxes savings interest as ordinary income wherever the account is, and once your foreign accounts cross a combined balance the US wants to see them. Those reporting rules are the FBAR and Form 8938; the verdicts below are about who opens the account, and the tax pages explain what you owe and file.
Savings platforms are the exception. Raisin UK declines US citizens, and so do the three savings platforms it runs under other names: AJ Bell Cash savings hub, Aviva Save and Smart Savings from Willis Owen. The savings platforms page sets out each one against its own terms; the banks behind them are a separate question, answered row by row below.
Premium Bonds are not in the comparison below. NS&I pays prizes rather than interest, so there is no AER to set beside the others. A US citizen living here can hold them, and the prizes are free of UK tax, but on the conservative reading the US taxes them as gambling winnings; see whether Premium Bonds are tax-free for US citizens.
The rates compared below are for sterling balances. For holding dollars, and what is known about earning interest on them, see multi-currency accounts.
See the FBAR for the $10,000 reporting line and FATCA for why the bank asks your US status.
The accounts you can open
Rates as ofEvery account below comes from a provider that will take a US person. Sorted by rate, highest first, and grouped by how you reach the money. Under each institution is where your money sits and how the account is run. The US taxes the interest on all of them as ordinary income.
Easy access
Withdraw whenever you need to. Rates are variable, so they move.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | Santander Edge Saver (Issue 5) (opens in a new tab) | 6.00% AER then 3.50% AER | variable | £1 | £4,000 earns interest | Needs a Santander Edge or Edge Explorer current account, and only the first £4,000 earns interest. The rate includes a 2.50% bonus for the first 12 months. |
| Chase UK Accepts with conditions US persons: expect follow-up questions after your tax self-certification FSCS £120,000 · app-only Updated Source: Chase UK, confirming your tax residence, 2026-08-09 | Chase Saver Account (opens in a new tab) | 4.50% AER then 2.25% | variable | — | £3,000,000 | New-customer boost for the first 12 months, then 2.25%; needs an eligible Chase current account. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | Online Saver (annual interest) (opens in a new tab) | 4.31% AER then 0.90% | variable | £1 | £2,000,000 | Online only. Interest paid annually (between 20 and 25 March), at 4.31% gross including a 3.41% bonus for the first 12 months; drops to 0.90% gross/AER after that. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | Online Saver (monthly interest) (opens in a new tab) | 4.31% AER then 0.90% | variable | £1 | £2,000,000 | Interest paid monthly (on the first business day of each month) at 4.22% gross, including a 3.33% bonus for the first 12 months; drops to 0.89% gross/0.90% AER after that. Online only. |
| Principality Building Society FSCS £120,000 · online, branch, agency or post Updated Source: Principality savings rates, 2026-08-17 | Online Bonus Triple Access (opens in a new tab) | 4.30% AER then 2.35% | variable | £1 | £1,000,000 | Online only, three withdrawals a year, and 1.95% of that rate is a bonus that stops after 12 months, leaving 2.35%. |
| Ulster Bank FSCS £120,000, shared with NatWest · branches in Northern Ireland only · online, app or phone Updated Source: Ulster Bank savings, 2026-08-17 | Limited Edition Saver (opens in a new tab) | 4.30% AER then 1.55% | variable | £1 | £3,000,000 | Needs a balance of £5,000 or more, otherwise 1.00%; the rate includes a 2.75% bonus fixed for 12 months, sole names only. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | Limited Access Saver (opens in a new tab) | 4.30% AER | variable | £5,000 | £150,000 | Needs £5,000, and the rate falls to 2.75% from your third withdrawal. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services · online and post Updated Source: Charter Savings Bank rates, 2026-08-17 | Easy Access Issue 79 (annual interest) (opens in a new tab) | 4.25% AER | variable | £1 | £1,000,000 | Interest paid annually at 4.25% gross. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services · online and post Updated Source: Charter Savings Bank rates, 2026-08-17 | Easy Access Issue 79 (monthly interest) (opens in a new tab) | 4.25% AER | variable | £1 | £1,000,000 | Interest paid monthly at 4.17% gross. |
| Nottingham Building Society FSCS £120,000 · online, app or branch Updated Source: Nottingham Building Society savings rates, 2026-08-17 | Bonus Access Saver (opens in a new tab) | 4.25% AER then 1.70% | variable | £1 | £750,000 | Online only, and 2.55% of that rate is a bonus that ends in October 2027, leaving 1.70%. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Internet Saver (opens in a new tab) | 4.24% AER then 1.05% | variable | £1 | — | Includes a fixed 3.35% bonus for 12 months on balances up to £1m, after which it drops to the standard 1.05% rate. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | Limited Access Saver Issue 3 (annual interest) (opens in a new tab) | 4.21% AER | variable | £1 | — | Online only, with three withdrawals allowed in 12 months. Interest paid annually at 4.21% gross. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | Limited Access Saver Issue 3 (monthly interest) (opens in a new tab) | 4.21% AER | variable | £1 | — | Online only, with three withdrawals allowed in 12 months. Interest paid monthly at 4.13% gross. |
| Leeds Building Society FSCS £120,000 · online, branch or post Updated Source: Leeds Building Society savings rates, 2026-08-17 | Online Access Saver (Issue 22) (opens in a new tab) | 4.20% AER | variable | £1,000 | £1,000,000 | Needs £1,000 in it at all times or the rate falls to 0.05%, and withdrawals only go to a nominated account. |
| Yorkshire Building Society FSCS £120,000 · online, branch or post Updated Source: Yorkshire Building Society savings rates, 2026-08-17 | Triple Access eSaver (opens in a new tab) | 4.20% AER | variable | £1 | — | Online only, three withdrawal days a year, and the account runs for one year. |
| Virgin Money FSCS £120,000, shared with Nationwide · online or app Updated Source: Virgin Money savings pages, 2026-08-17 | Double Take E-Saver (annual interest) (opens in a new tab) | 4.16% AER | variable | £1 | £250,000 | Only 2 withdrawals a calendar year, then no access until January. Interest paid annually at 4.16% gross. |
| Virgin Money FSCS £120,000, shared with Nationwide · online or app Updated Source: Virgin Money savings pages, 2026-08-17 | Double Take E-Saver (monthly interest) (opens in a new tab) | 4.16% AER | variable | £1 | £250,000 | Only 2 withdrawals a calendar year, then no access until January. Interest paid monthly at 4.08% gross. |
| Cynergy Bank FSCS £120,000 · online Updated Source: Cynergy Bank savings rates, 2026-08-17 | Online Easy Access Account (opens in a new tab) | 4.15% AER then 2.15% | variable | £1 | £1,000,000 | Includes a 2.00% bonus that falls away after 12 months, and withdrawals only go to your nominated account. |
| Starling Bank FSCS £120,000 · app-only, needs a Starling current account Updated Source: Starling help: how do I open and manage my Easy Saver, 2026-09-25 (opens in a new tab) | Easy Saver (opens in a new tab) | 4.00% AER then 2.50% | variable | — | £1,000,000 | Needs a Starling current account. Includes a 1.50% bonus for the first 12 months, then drops to 2.50%. |
| Barclays FSCS £120,000 · app, online, branch or phone Updated Source: Barclays savings and FATCA help pages, 2026-08-17 | Rainy Day Saver (opens in a new tab) | 3.96% AER | variable | £1 | — | Needs paid Blue Rewards membership or Premier banking, and the rate applies only to the first £5,000; above that it drops to 0.70%. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | Two Access Saver (annual interest) (opens in a new tab) | 3.90% AER | variable | £1 | £1,000,000 | Interest paid annually at 3.90% AER. Two withdrawals a year, then it rolls into a plain easy access account after 12 months. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | Two Access Saver (monthly interest) (opens in a new tab) | 3.90% AER | variable | £1 | £1,000,000 | Interest paid monthly at 3.83% gross (3.90% AER). Two withdrawals a year, then it rolls into a plain easy access account after 12 months. |
| Close Brothers Savings FSCS £120,000 · online Updated Source: Close Brothers Savings rates, 2026-08-17 | Easy Access Account Issue 9 (opens in a new tab) | 3.85% AER | variable | £10,000 | £2,000,000 | Needs £10,000 to open; below £10,000 the rate drops to 1.00%. |
| Chip FSCS £120,000 via ClearBank · app-only Updated Source: Chip Instant Access savings, 2026-08-09 | Easy Access Saver (opens in a new tab) | 3.81% AER then 3.50% | tracker | — | — | Boosted for 12 months, then tracks 0.30% under base rate; three penalty-free withdrawals a year. |
| Investec Save FSCS £120,000 · online Updated Source: Investec savings rates, 2026-08-17 | Online Flexi Saver (opens in a new tab) | 3.79% AER | variable | £5,000 | £250,000 | Below £5,000 you earn nothing at all. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | Easy Access Savings Account Issue 16 (annual interest) (opens in a new tab) | 3.75% AER | variable | £1 | — | Opens online. Interest paid annually at 3.75% gross. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | Easy Access Savings Account Issue 16 (monthly interest) (opens in a new tab) | 3.75% AER | variable | £1 | — | Opens online. Interest paid monthly at 3.69% gross. |
| NS&I HM Treasury backed · online, phone or post Updated Source: NS&I: saving with us when living abroad, and Premium Bonds, 2026-09-27 (opens in a new tab) | Direct Saver (opens in a new tab) | 3.75% AER | variable | £1 | £2,000,000 | None material; no-notice access, interest added yearly. |
| NS&I HM Treasury backed · online, phone or post Updated Source: NS&I: saving with us when living abroad, and Premium Bonds, 2026-09-27 (opens in a new tab) | Income Bonds (opens in a new tab) | 3.75% AER | variable | £500 | £1,000,000 | Interest paid monthly to your bank rather than compounded. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | Easy Access Account (opens in a new tab) | 3.75% AER | variable | £5,000 | £150,000 | Needs £5,000 to open, and the balance is capped at £150,000. |
| Monzo FSCS £120,000 · app-only, needs a Monzo current account Updated Source: Monzo Instant Access Savings eligibility, 2026-09-25 (opens in a new tab) | Select Access Savings Pot (opens in a new tab) | 3.65% AER | variable | £500 | — | Needs a paid Perks or Max plan, and no more than 2 withdrawals a year or it drops to 3.10%. Free accounts get 3.15%. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | Four Access Saver (opens in a new tab) | 3.65% AER | variable | £1 | — | Up to four withdrawals a year plus closure. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Flexible Saver (annual interest) (opens in a new tab) | 3.54% AER | variable | £1 | £2,000,000 | Interest paid yearly at 3.54% gross, into this account, another Ford Money account, or your connected bank account. The £2 million cap counts across all your Ford Money accounts. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Flexible Saver (monthly interest) (opens in a new tab) | 3.54% AER | variable | £1 | £2,000,000 | Interest paid monthly at 3.48% gross, into this account, another Ford Money account, or your connected bank account. The £2 million cap counts across all your Ford Money accounts. |
| Chip FSCS £120,000 via ClearBank · app-only Updated Source: Chip Instant Access savings, 2026-08-09 | Instant Access Account (opens in a new tab) | 3.51% AER then 3.00% | tracker | — | — | Boosted for 12 months, then tracks 0.79% under base rate; unlimited access. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | 5 Access Saver (5) (annual interest) (opens in a new tab) | 3.50% AER | variable | £1 | £1,000,000 | Five free withdrawals a year, then each one costs 50 days of interest. Interest paid annually. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | 5 Access Saver (5) (monthly interest) (opens in a new tab) | 3.50% AER | variable | £1 | £1,000,000 | Five free withdrawals a year, then each one costs 50 days of interest. Interest paid monthly at the same 3.50% AER; Coventry does not publish a separate gross figure for the monthly option on this page. |
| Monzo FSCS £120,000 · app-only, needs a Monzo current account Updated Source: Monzo Instant Access Savings eligibility, 2026-09-25 (opens in a new tab) | Instant Access Savings Pot (opens in a new tab) | 3.50% AER | variable | — | £1,000,000 | Top rate needs the Max plan at £19 a month; on a free account it pays 2.75%. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | Base Rate Tracker (opens in a new tab) | 3.50% AER | tracker | £1 | £1,000,000 | Top rate needs £100,000 or more plus an eligible Co-operative Bank current account. |
| Ulster Bank FSCS £120,000, shared with NatWest · branches in Northern Ireland only · online, app or phone Updated Source: Ulster Bank savings, 2026-08-17 | Loyalty Saver (opens in a new tab) | 3.50% AER | variable | £1 | — | Needs £5,000 or more, otherwise 1.00%, and you must hold an Ulster Bank current account. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | Instant Saver Reward (opens in a new tab) | 3.49% AER | variable | — | £100,000 (combined) | Reward rate only in a month with no withdrawal; drops to 2.00% the month you withdraw. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem Bank savings FAQ, 2026-08-09 | Instant Access Saver (opens in a new tab) | 3.40% AER then 3.15% | variable | — | £250,000 | Includes a 0.25% bonus for the first 12 months; unlimited access. |
| First Direct FSCS £120,000, shared with HSBC UK · online, app or phone, no branches Updated Source: First Direct savings, 2026-08-17 | Bonus Savings Account (opens in a new tab) | 3.35% AER | variable | £1 | — | Only in a month with no withdrawal, on balances up to £50,000, and you must hold a 1st Account; otherwise 1.05%. |
| HSBC Accepts with conditions US persons: apply by phone or in a branch, not online, because a US citizen has more than one tax residency FSCS £120,000 · phone or branch for a US citizen Updated Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25 (opens in a new tab) | Online Bonus Saver (opens in a new tab) | 3.35% AER | variable | £1 | — | Bonus only in a month with no withdrawal, on the first £50,000; otherwise 1.05%. |
| Nationwide Building Society FSCS £120,000, shared with Virgin Money · online, app or branch Updated Source: Nationwide savings pages, 2026-08-17 | 1 Year Triple Access Saver (opens in a new tab) | 3.30% AER | variable | — | £5,000,000 | Falls to 1.05% from the fourth withdrawal in the year. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | Six Access Saver (opens in a new tab) | 3.30% AER | variable | £1 | — | Up to six withdrawals a year plus closure. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | Select Access Saver 5 (opens in a new tab) | 3.28% AER | variable | £1 | £1,000,000 | Drops to 1.00% from the third withdrawal in a calendar year. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | New Branch Easy Access Saver Issue 1 (opens in a new tab) | 3.20% AER | variable | £1,000 | — | Branch only to open, with a £1,000 minimum. You can choose monthly or annual interest. |
| Paragon Bank FSCS £120,000 · online and post Updated Source: Paragon Bank savings rates, 2026-08-17 | Triple Access Savings (opens in a new tab) | 3.20% AER | variable | £1 | £500,000 | Falls to 1.25% from your fourth withdrawal until the account anniversary. |
| Bank of Scotland FSCS £120,000, shared with Halifax · online, app, phone or branch Updated Source: Bank of Scotland savings, 2026-08-17 | Advantage Saver (opens in a new tab) | 3.00% AER | variable | £1 | — | Two or fewer withdrawals a year, otherwise 0.65%, and you must hold a qualifying Bank of Scotland current account. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Bonus Saver (opens in a new tab) | 3.00% AER | variable | £1 | £9,000,000 | Two or fewer withdrawals in the account year, otherwise it drops to 0.65%. |
| Lloyds Bank FSCS £120,000 · online, app or branch Updated Source: Lloyds Bank easy saver, 2026-08-17 | Limited Access Saver (opens in a new tab) | 3.00% AER | variable | £1 | £9,000,000 | Top rate only with 2 or fewer withdrawals a year; a third drops you to 0.65%. Becomes a Standard Saver after a year. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | Instant Saver (opens in a new tab) | 3.00% AER then 0.90% | variable | — | — | Branch or post only to open, and 2.10% of that rate is a bonus that stops after 12 months, leaving 0.90%. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | Limited Access Saver (Issue 9) (opens in a new tab) | 3.00% AER | variable | £1 | £2,000,000 | Drops to 1.00% for any calendar month with 3 or more withdrawals, and after 12 months it becomes an Everyday Saver. |
| TSB FSCS £120,000 · online, app or branch Updated Source: TSB savings pages, 2026-08-17 | Save Well Limited Access (opens in a new tab) | 3.00% AER | variable | £1 | — | Any withdrawal cuts that whole calendar month to 0.25%. |
| Al Rayan Bank FSCS £120,000 · app and desktop · sole applicants only Updated Source: Al Rayan Bank savings, 2026-08-17 | Everyday Saver (opens in a new tab) | 2.75% EPR | variable | £10,000 | £1,000,000 | An expected profit rate, not guaranteed interest, and the balance must stay at £10,000 or above or it drops to 0.05%. |
| Kroo FSCS £120,000 · app-only, no standalone savings account Updated Source: Kroo current account pages, 2026-08-17 | Current account balance (opens in a new tab) | 2.65% AER | tracker | — | £500,000 | Set 1.10% below the Bank of England base rate, and only on the first £500,000. |
| Kroo FSCS £120,000 · app-only, no standalone savings account Updated Source: Kroo current account pages, 2026-08-17 | Savings Pots (opens in a new tab) | 2.65% AER | tracker | — | £500,000 | Same rate as the main balance, and the £500,000 cap covers both together. |
| Cumberland Building Society FSCS £120,000 · Cumbria, south-west Scotland and nearby only · branch or online Updated Source: Cumberland Building Society savings, 2026-08-17 | Cumberland eSaver (opens in a new tab) | 2.60% AER | variable | £1 | £500,000 | Needs a Cumberland current account with internet banking enabled. |
| Barclays FSCS £120,000 · app, online, branch or phone Updated Source: Barclays savings and FATCA help pages, 2026-08-17 | Blue Rewards Saver (opens in a new tab) | 2.51% AER | variable | £1 | — | Needs paid Blue Rewards membership or Premier banking, and only in a month with no withdrawal; otherwise 0.60%. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | Instant Saver (opens in a new tab) | 2.50% AER | variable | — | £100,000 (combined) | None; unlimited in-app withdrawals. |
| Cumberland Building Society FSCS £120,000 · Cumbria, south-west Scotland and nearby only · branch or online Updated Source: Cumberland Building Society savings, 2026-08-17 | Cumberland Instant Access (opens in a new tab) | 2.40% AER | variable | £1 | £500,000 | Open at a branch, or online with an internet enabled Cumberland current account; new customers must live in the operating area. Withdrawals are by cash (up to £500 a day) or cheque, not faster payment. |
| Triodos Bank UK FSCS £120,000 · online only, no branches Updated Source: Triodos Bank UK savings, 2026-08-17 | Online Saver Plus (opens in a new tab) | 2.20% AER | variable | £1 | — | Three penalty-free withdrawals a year; anything beyond that earns 0.10%. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske eSaver (opens in a new tab) | 2.05% AER | variable | £1 | — | Run through online or mobile banking only. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | Easy Access Saver (opens in a new tab) | 2.05% AER | variable | £1 | — | Withdrawals permitted. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | Community Saver (opens in a new tab) | 2.05% AER | variable | £1 | — | Withdrawals permitted. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Easy Access Saver (8) (annual interest) (opens in a new tab) | 2.00% AER | variable | £1 | £1,000,000 | Interest paid annually, at 2.00% gross. Interest can be added to the account or paid away into another suitable account. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Easy Access Saver (8) (monthly interest) (opens in a new tab) | 2.00% AER | variable | £1 | £1,000,000 | Interest paid monthly, at 1.98% gross rather than the 2.00% gross paid annually. Interest can be added to the account or paid away into another suitable account. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | Easy Access Saver (Issue 31) (annual interest) (opens in a new tab) | 2.00% AER | variable | £1 | £2,000,000 | Interest paid annually at 2.00% AER. Rate runs 12 months, then becomes an Everyday Saver. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | Easy Access Saver (Issue 31) (monthly interest) (opens in a new tab) | 2.00% AER | variable | £1 | £2,000,000 | Interest paid monthly at 1.98% gross (2.00% AER). Rate runs 12 months, then becomes an Everyday Saver. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | Online Saver (opens in a new tab) | 2.00% AER | variable | — | — | For existing Co-operative Bank customers only, and managed online or in the app. |
| Barclays FSCS £120,000 · app, online, branch or phone Updated Source: Barclays savings and FATCA help pages, 2026-08-17 | Reward Saver (opens in a new tab) | 1.85% AER | variable | £1 | — | Only in a month with no withdrawal; otherwise 0.60%. Open to everyone. |
| C. Hoare & Co FSCS £120,000 · relationship managed · current account required Updated Source: C. Hoare & Co personal deposit rates, 2026-08-17 | Deposit Account (opens in a new tab) | 1.85% AER | variable | — | — | Needs a C. Hoare & Co current account. |
| Triodos Bank UK FSCS £120,000 · online only, no branches Updated Source: Triodos Bank UK savings, 2026-08-17 | Online Saver (opens in a new tab) | 1.81% AER | variable | £1 | — | — |
| Virgin Money FSCS £120,000, shared with Nationwide · online or app Updated Source: Virgin Money savings pages, 2026-08-17 | M Plus Saver (opens in a new tab) | 1.75% AER | variable | — | — | Needs an M Plus current account, and only the first £25,000 earns the top rate. |
| Allied Irish Bank (GB) FSCS £120,000 · open by phone, then manage by phone or online Updated Source: Allied Irish Bank (GB) savings and deposits, 2026-08-17 | Demand Deposit Account (opens in a new tab) | 1.50% AER | variable | — | — | Closed to new applicants; existing customers only. |
| Bank of Ireland UK FSCS £120,000, shared with Post Office Money · UK wide, branches in Northern Ireland · online, app, phone or branch Updated Source: Bank of Ireland UK savings, 2026-08-17 | Classic Saver (opens in a new tab) | 1.45% AER | variable | £1 | — | — |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | Smart Saver (opens in a new tab) | 1.40% AER | variable | — | — | Open to new and existing customers, managed online, in the app, in branch or by phone. |
| Arbuthnot Latham FSCS £120,000 · relationship managed · £750,000 entry Updated Source: Arbuthnot Latham savings rates, 2026-08-17 | Personal Savings Account (opens in a new tab) | 1.26% AER | variable | — | — | New clients must bring at least £750,000 across banking, lending and investments. |
| Nationwide Building Society FSCS £120,000, shared with Virgin Money · online, app or branch Updated Source: Nationwide savings pages, 2026-08-17 | Instant Access Saver (opens in a new tab) | 1.20% AER | variable | — | £5,000,000 | Tiered on the whole balance: 1.10% under £10,000, 1.15% from £10,000 and 1.20% from £50,000. |
| TSB FSCS £120,000 · online, app or branch Updated Source: TSB savings pages, 2026-08-17 | Easy Saver (opens in a new tab) | 1.10% AER then 1.00% AER | variable | £1 | — | Top rate needs £100,000 or more, and includes a 0.10% bonus that ends after 12 months. |
| HSBC Accepts with conditions US persons: apply by phone or in a branch, not online, because a US citizen has more than one tax residency FSCS £120,000 · phone or branch for a US citizen Updated Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25 (opens in a new tab) | Premier Savings (opens in a new tab) | 1.10% AER | variable | £1 | — | HSBC Premier customers only. 1.10% AER below £50,000, 1.15% from £50,000 to £100,000, and 1.65% over £100,000; instant access. |
| HSBC Accepts with conditions US persons: apply by phone or in a branch, not online, because a US citizen has more than one tax residency FSCS £120,000 · phone or branch for a US citizen Updated Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25 (opens in a new tab) | Flexible Saver (opens in a new tab) | 1.05% AER | variable | £1 | — | None; instant access. |
| Barclays FSCS £120,000 · app, online, branch or phone Updated Source: Barclays savings and FATCA help pages, 2026-08-17 | Everyday Saver (opens in a new tab) | 1.00% AER | variable | £1 | — | None; unlimited withdrawals on the whole balance. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Everyday Saver (opens in a new tab) | 1.00% AER | variable | £1 | — | The top rate needs £100,000 or more; £25,000 or more earns 0.90% and less than that 0.75%, on the whole balance. After 12 months it becomes an Instant Saver. |
| HBL Bank UK FSCS £120,000 · open in branch in London or Manchester, then manage online Updated Source: HBL Bank UK savings fact sheet, 2026-08-17 | Instant Savings Deposit (opens in a new tab) | 1.00% AER | variable | — | — | Must be opened in branch. |
| Lloyds Bank FSCS £120,000 · online, app or branch Updated Source: Lloyds Bank easy saver, 2026-08-17 | Easy Saver (opens in a new tab) | 1.00% AER | variable | £1 | — | The top rate needs £100,000 or more; £25,000 or more earns 0.90% and less than that 0.75%. Unlimited withdrawals, and after 12 months it becomes a Standard Saver. |
| NatWest FSCS £120,000 · online, app or branch Updated Source: NatWest savings and tax residency pages, 2026-08-17 | Flexible Saver (opens in a new tab) | 1.00% AER | variable | £1 | — | Needs a NatWest current account; higher tiers start at £25,000. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Instant Access Savings (opens in a new tab) | 0.90% AER | variable | £1 | — | None. |
| Hampden & Co FSCS £120,000 · relationship managed · Hampden current account required Updated Source: Hampden & Co deposit rates, 2026-08-17 | Call Account (opens in a new tab) | 0.75% AER | variable | — | — | Tiered, rising to 1.87% above £1,000,000. Needs a Hampden current account in the same currency. |
| Coutts FSCS £120,000 · relationship managed · Coutts current account required Updated Source: Coutts rates and prices, 2026-08-17 | Private Reserve Account (opens in a new tab) | 0.55% AER | variable | £1 | — | Tiered on the whole balance, so this entry rate rises to 2.63% above £250,000 and 3.19% above £3,000,000. Needs a Coutts current account. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | Private Reserve Account (opens in a new tab) | 0.50% gross | variable | — | — | Weatherbys clients only; rises to 1.00% above £50,000. |
Notice accounts
Higher rates in exchange for giving notice before you withdraw.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | 60 Day Notice Account Issue 75 (annual interest) (opens in a new tab) | 4.25% AER | variable | £1,000 | £1,000,000 | Branch only to open, withdrawals need 60 days' notice, and below £1,000 the rate is 0.10%. Interest paid annually at 4.25% gross. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | 60 Day Notice Account Issue 75 (monthly interest) (opens in a new tab) | 4.25% AER | variable | £1,000 | £1,000,000 | Branch only to open, withdrawals need 60 days' notice, and below £1,000 the rate is 0.10%. Interest paid monthly at 4.17% gross. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 60 Day Notice Issue 1 (opens in a new tab) | 4.20% AER | variable | £5,000 | £1,000,000 | Needs £5,000 to open and 60 days notice for any withdrawal. |
| Cynergy Bank FSCS £120,000 · online Updated Source: Cynergy Bank savings rates, 2026-08-17 | Online Notice Saver (opens in a new tab) | 4.18% AER | variable | £500 | £1,000,000 | Top rate needs 120 days notice; the 35 and 95 day options pay less. |
| Close Brothers Savings FSCS £120,000 · online Updated Source: Close Brothers Savings rates, 2026-08-17 | 95 Day Notice Account Issue 15 (opens in a new tab) | 4.10% AER | variable | £10,000 | £2,000,000 | Needs £10,000 and 95 days notice; below £10,000 the rate drops to 1.00%. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 40 Day Notice Issue 2 (opens in a new tab) | 4.10% AER | variable | £5,000 | £1,000,000 | Needs £5,000 to open and 40 days notice for any withdrawal or closure. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | New 35 Day Notice Account Issue 1 (opens in a new tab) | 4.05% AER | variable | £1,000 | — | Branch only to open, and withdrawals need 35 days' notice. You can choose monthly or annual interest. |
| Investec Save FSCS £120,000 · online Updated Source: Investec savings rates, 2026-08-17 | 90 Day Notice Saver (opens in a new tab) | 4.00% AER | variable | £5,000 | £250,000 | Needs £5,000 and 90 days notice; below £5,000 you earn nothing at all. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 30 Day Notice (opens in a new tab) | 3.90% AER | variable | £5,000 | £1,000,000 | Needs £5,000 to open and 30 days notice for any withdrawal or closure. The whole balance earns 3.85% from £5,000 to £9,999.99 and 3.90% from £10,000. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 100 Day Notice Issue 3 (opens in a new tab) | 3.85% AER | variable | £5,000 | £1,000,000 | Needs £5,000 to open and 100 days notice for any withdrawal or closure. |
| Paragon Bank FSCS £120,000 · online and post Updated Source: Paragon Bank savings rates, 2026-08-17 | 120 Day Notice (opens in a new tab) | 3.75% AER | variable | £500 | £500,000 | You give 120 days notice before you see your money. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 180 Day Notice Base Rate Tracker (opens in a new tab) | 3.75% AER | tracker | £5,000 | £1,000,000 | Tracks the Bank of England Base Rate, currently 3.75%. Needs £5,000 to open and 180 days notice for any withdrawal or closure. |
| Coutts FSCS £120,000 · relationship managed · Coutts current account required Updated Source: Coutts rates and prices, 2026-08-17 | Private Notice Account (opens in a new tab) 95 days notice | 3.71% AER | variable | £1 | — | Sterling only, and needs a Coutts current account. The 35 day version pays 3.25% and the 60 day 3.51%. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 250 Day Notice Account (opens in a new tab) 250 days notice | 3.60% gross | variable | — | £2,000,000 | Guaranteed to pay 0.15% below base rate; shorter notice pays less, from 2.40% at 45 days. No additional deposits. |
| Hampden & Co FSCS £120,000 · relationship managed · Hampden current account required Updated Source: Hampden & Co deposit rates, 2026-08-17 | 95-Day Notice Account (opens in a new tab) 95 days notice | 3.30% AER | variable | £50,000 | — | Sterling only, £50,000 to open, and you must hold a Hampden sterling current account for all movements. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 120 Day Notice Account (opens in a new tab) | 3.15% gross | variable | £0 | £2,000,000 | Weatherbys clients only, and every withdrawal needs 120 days' notice. Interest is paid quarterly on balances over £10,000. |
| C. Hoare & Co FSCS £120,000 · relationship managed · current account required Updated Source: C. Hoare & Co personal deposit rates, 2026-08-17 | 95 Day Notice Account (opens in a new tab) 95 days notice | 3.10% AER | variable | £50,000 | — | Needs a current account with the bank, £50,000 to open, and movements in amounts of at least £10,000. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Notice Account (opens in a new tab) | 3.00% AER | variable | £2,000 | £250,000 | 95 days notice before a withdrawal completes. |
| Arbuthnot Latham FSCS £120,000 · relationship managed · £750,000 entry Updated Source: Arbuthnot Latham savings rates, 2026-08-17 | 100-Day Notice Account (opens in a new tab) | 2.94% AER | variable | £50,000 | — | You must keep at least £50,000 in it and give 100 days notice; rates rise to 3.14% above £1,000,000. |
| Cumberland Building Society FSCS £120,000 · Cumbria, south-west Scotland and nearby only · branch or online Updated Source: Cumberland Building Society savings, 2026-08-17 | 30 Day Notice (opens in a new tab) | 2.80% AER | variable | £1 | £500,000 | Thirty days notice to withdraw without losing interest. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 90 Day Notice Account (opens in a new tab) | 2.80% gross | variable | £0 | £2,000,000 | Weatherbys clients only, and every withdrawal needs 90 days' notice. Interest is paid quarterly on balances over £10,000. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 45 Day Notice Account (opens in a new tab) | 2.40% gross | variable | £0 | £2,000,000 | Weatherbys clients only, and every withdrawal needs 45 days' notice. Interest is paid quarterly on balances over £10,000. |
Fixed term
Pay in a lump sum once, then the rate and your money are both locked until the term ends. This is where a large balance goes.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Close Brothers Savings FSCS £120,000 · online Updated Source: Close Brothers Savings rates, 2026-08-17 | 5 Year Fixed Rate Bond (opens in a new tab) 5 years | 5.27% AER | fixed | £10,000 | £2,000,000 | Needs £10,000 to open and locks the money away for five years. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 5 Year Fixed Saver (annual interest) (opens in a new tab) 5 years | 5.20% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 5.00% gross. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 5 Year Fixed Saver (monthly interest) (opens in a new tab) 5 years | 5.20% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.89% gross. |
| Close Brothers Savings FSCS £120,000 · online Updated Source: Close Brothers Savings rates, 2026-08-17 | 3 Year Fixed Rate Bond (opens in a new tab) 3 years | 5.16% AER | fixed | £10,000 | £2,000,000 | Needs £10,000 to open, funded within 10 days, with no withdrawals or top-ups during the term. Interest is paid out to your chosen bank account rather than compounded. |
| Close Brothers Savings FSCS £120,000 · online Updated Source: Close Brothers Savings rates, 2026-08-17 | 2 Year Fixed Rate Bond (opens in a new tab) 2 years | 5.12% AER | fixed | £10,000 | £2,000,000 | Needs £10,000 to open, funded within 10 days, with no withdrawals or top-ups during the term. Interest is paid out to your chosen bank account rather than compounded. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 2 Year Fixed Saver (annual interest) (opens in a new tab) 2 years | 5.10% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.90% gross. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 3 Year Fixed Saver (annual interest) (opens in a new tab) 3 years | 5.10% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.95% gross. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 2 Year Fixed Saver (monthly interest) (opens in a new tab) 2 years | 5.10% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.79% gross. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 3 Year Fixed Saver (monthly interest) (opens in a new tab) 3 years | 5.10% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.84% gross. |
| Close Brothers Savings FSCS £120,000 · online Updated Source: Close Brothers Savings rates, 2026-08-17 | 1 Year Fixed Rate Bond (opens in a new tab) 1 year | 5.05% AER | fixed | £10,000 | £2,000,000 | Needs £10,000 to open, with no withdrawals or top-ups after the first 10 days. |
| Cynergy Bank FSCS £120,000 · online Updated Source: Cynergy Bank savings rates, 2026-08-17 | 1 Year Fixed Rate Bond (opens in a new tab) 1 year | 5.05% AER | fixed | £1,000 | £1,000,000 | Money is locked away for the full year. |
| Investec Save FSCS £120,000 · online Updated Source: Investec savings rates, 2026-08-17 | 3 Year Fixed Rate Saver (opens in a new tab) 3 years | 5.00% AER | fixed | £5,000 | £250,000 | Needs £5,000 to open, sole accounts only, and locks the money away for three years. |
| Lloyds Bank FSCS £120,000 · online, app or branch Updated Source: Lloyds Bank easy saver, 2026-08-17 | Lend a Hand Fixed Savings Account (opens in a new tab) 3 years | 5.00% AER | fixed | 10% of the purchase price | — | Only for helping a family member buy their first home through the Lend a Hand Mortgage Scheme, and you or the buyer need a Club Lloyds or Lloyds Premier current account. No withdrawals while it secures the mortgage. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services · online and post Updated Source: Charter Savings Bank rates, 2026-08-17 | 3 Year Fixed Rate Bond (annual interest) (opens in a new tab) 3 years | 4.95% AER | fixed | £5,000 | £1,000,000 | No withdrawals or closure for the full three years, and the deposit must arrive within 14 days of applying. Interest paid annually at 4.83% gross. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services · online and post Updated Source: Charter Savings Bank rates, 2026-08-17 | 3 Year Fixed Rate Bond (monthly interest) (opens in a new tab) 3 years | 4.95% AER | fixed | £5,000 | £1,000,000 | No withdrawals or closure for the full three years, and the deposit must arrive within 14 days of applying. Interest paid monthly at 4.73% gross. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | 13 Month Fixed Rate Bond Issue 3 (opens in a new tab) 13 months | 4.92% AER | fixed | £1,000 | — | Opens online, and it must be funded within 14 days. You can choose monthly or annual interest. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | 3 Year Fixed Rate Bond Issue 32 (opens in a new tab) 3 years | 4.92% AER | fixed | £1,000 | — | Opens online, and it must be funded within 14 days. You can choose monthly or annual interest. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | 5 Year Fixed Rate Bond (annual interest) (opens in a new tab) 5 years | 4.92% AER | fixed | £1 | £1,000,000 | Interest paid annually at 4.76% AER. No withdrawals for five years. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | 3 Year Fixed Rate Bond (opens in a new tab) 3 years | 4.92% AER | fixed | £1 | — | No withdrawals or early closure during the term. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | 5 Year Fixed Rate Bond (monthly interest) (opens in a new tab) 5 years | 4.92% AER | fixed | £1 | £1,000,000 | Interest paid monthly at 4.66% gross (4.76% AER). No withdrawals for five years. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | 2 Year Fixed Rate Bond Issue 51 (opens in a new tab) 2 years | 4.91% AER | fixed | £1,000 | — | Opens online, and it must be funded within 14 days. You can choose monthly or annual interest. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 1 Year Fixed Saver (annual interest) (opens in a new tab) 1 year | 4.90% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.75% gross. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 1 Year Fixed Saver (monthly interest) (opens in a new tab) 1 year | 4.90% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.65% gross. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services · online and post Updated Source: Charter Savings Bank rates, 2026-08-17 | 2 Year Fixed Rate Bond (annual interest) (opens in a new tab) 2 years | 4.90% AER | fixed | £5,000 | £1,000,000 | No withdrawals or closure for the full two years, and the deposit must arrive within 14 days of applying. Interest paid annually at 4.82% gross. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services · online and post Updated Source: Charter Savings Bank rates, 2026-08-17 | 2 Year Fixed Rate Bond (monthly interest) (opens in a new tab) 2 years | 4.90% AER | fixed | £5,000 | £1,000,000 | No withdrawals or closure for the full two years, and the deposit must arrive within 14 days of applying. Interest paid monthly at 4.72% gross. |
| Al Rayan Bank FSCS £120,000 · app and desktop · sole applicants only Updated Source: Al Rayan Bank savings, 2026-08-17 | 12 Month Fixed Term Deposit (interest at maturity) (opens in a new tab) 1 year | 4.85% EPR | fixed | £10,000 | £1,000,000 | An expected profit rate, not guaranteed interest. Profit is reinvested in the account and paid all together at maturity, quoted at 4.85% gross per annum on a £10,000 minimum. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (18 months) (annual interest) (opens in a new tab) 18 months | 4.85% AER | fixed | £2,000 | £5,000,000 | Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid annually. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (2 years) (annual interest) (opens in a new tab) 2 years | 4.85% AER | fixed | £2,000 | £5,000,000 | Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid annually. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (3 years) (annual interest) (opens in a new tab) 3 years | 4.85% AER | fixed | £2,000 | £5,000,000 | Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid annually. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (5 years) (annual interest) (opens in a new tab) 5 years | 4.85% AER | fixed | £2,000 | £5,000,000 | Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid annually. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (1 year) (annual interest) (opens in a new tab) 1 year | 4.84% AER | fixed | £2,000 | — | Needs £2,000 to open, you can only pay in for the first 30 days, and no withdrawals during the term. Interest paid annually. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services · online and post Updated Source: Charter Savings Bank rates, 2026-08-17 | 1 Year Fixed Rate Bond (annual interest) (opens in a new tab) 1 year | 4.82% AER | fixed | £5,000 | £1,000,000 | No withdrawals or closure for the full year, and the deposit must arrive within 14 days of applying. Interest paid annually at 4.77% gross. |
| Charter Savings Bank FSCS £120,000 via Charter Court Financial Services · online and post Updated Source: Charter Savings Bank rates, 2026-08-17 | 1 Year Fixed Rate Bond (monthly interest) (opens in a new tab) 1 year | 4.82% AER | fixed | £5,000 | £1,000,000 | No withdrawals or closure for the full year, and the deposit must arrive within 14 days of applying. Interest paid monthly at 4.67% gross. |
| Nottingham Building Society FSCS £120,000 · online, app or branch Updated Source: Nottingham Building Society savings rates, 2026-08-17 | 5 Year Fixed Rate Bond (opens in a new tab) 5 years | 4.80% AER | fixed | £1 | £750,000 | No withdrawals until 30 October 2031. |
| HSBC Accepts with conditions US persons: apply by phone or in a branch, not online, because a US citizen has more than one tax residency FSCS £120,000 · phone or branch for a US citizen Updated Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25 (opens in a new tab) | Fixed Rate Saver (2 year) (annual interest) (opens in a new tab) 2 years | 4.80% AER | fixed | £2,000 | £1,000,000 | Needs an HSBC current or savings account kept for the term, one deposit only, and closing early costs up to 90 days of interest. Interest paid annually at 4.80% AER, into the HSBC account you used for your deposit. |
| HSBC Accepts with conditions US persons: apply by phone or in a branch, not online, because a US citizen has more than one tax residency FSCS £120,000 · phone or branch for a US citizen Updated Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25 (opens in a new tab) | Fixed Rate Saver (2 year) (monthly interest) (opens in a new tab) 2 years | 4.80% AER | fixed | £2,000 | £1,000,000 | Interest paid monthly at 4.80% AER, into the HSBC account you used for your deposit. Needs an HSBC current or savings account kept for the term, one deposit only, and closing early costs up to 90 days of interest. |
| Al Rayan Bank FSCS £120,000 · app and desktop · sole applicants only Updated Source: Al Rayan Bank savings, 2026-08-17 | 12 Month Fixed Term Deposit (quarterly interest) (opens in a new tab) 1 year | 4.77% EPR | fixed | £10,000 | £1,000,000 | An expected profit rate, not guaranteed interest, paid quarterly to your nominated account. Gross per annum on a £10,000 minimum. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | 18 Month Fixed Rate Bond (opens in a new tab) 18 months | 4.76% AER | fixed | £1 | — | No withdrawals or early closure during the term. |
| NatWest FSCS £120,000 · online, app or branch Updated Source: NatWest savings and tax residency pages, 2026-08-17 | Fixed Term Savings (2 year) (opens in a new tab) 2 years | 4.75% AER | fixed | £1 | £3,000,000 | Locked until maturity, with early closure charges; the 1-year term pays 4.15%. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem Bank savings FAQ, 2026-08-09 | 5 Year Fixed Term Saver (opens in a new tab) 5 years | 4.75% AER | fixed | — | £2,500,000 | No withdrawals or top-ups once the 14-day funding window closes. Interest is paid annually to your connected bank account. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (18 months) (monthly interest) (opens in a new tab) 18 months | 4.75% AER | fixed | £2,000 | £5,000,000 | Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid monthly at 4.75% AER, sent to a separate account in your name rather than added to your balance. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (2 years) (monthly interest) (opens in a new tab) 2 years | 4.75% AER | fixed | £2,000 | £5,000,000 | Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid monthly at 4.75% AER, sent to a separate account in your name rather than added to your balance. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (3 years) (monthly interest) (opens in a new tab) 3 years | 4.75% AER | fixed | £2,000 | £5,000,000 | Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid monthly at 4.75% AER, sent to a separate account in your name rather than added to your balance. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (5 years) (monthly interest) (opens in a new tab) 5 years | 4.75% AER | fixed | £2,000 | £5,000,000 | Pay in only during the first 30 days, and no withdrawals until the term ends except in exceptional circumstances. Interest paid monthly at 4.75% AER, sent to a separate account in your name rather than added to your balance. |
| Tesco Bank FSCS £120,000 shared with Barclays, which provides it · online Updated Source: Tesco Bank savings rates, 2026-08-17 | Fixed Rate Saver (1 year) (monthly interest) (opens in a new tab) 1 year | 4.74% AER | fixed | £2,000 | — | Needs £2,000 to open, you can only pay in for the first 30 days, and no withdrawals during the term. Interest paid monthly at 4.74% AER, sent to a separate account in your name rather than added to your balance. |
| Investec Save FSCS £120,000 · online Updated Source: Investec savings rates, 2026-08-17 | 1 Year Fixed Rate Saver (opens in a new tab) 1 year | 4.70% AER | fixed | £5,000 | £250,000 | Needs £5,000 to open, must be funded within seven days, and no withdrawals during the term. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem Bank savings FAQ, 2026-08-09 | 2 Year Fixed Term Saver (opens in a new tab) 2 years | 4.70% AER | fixed | — | £2,500,000 | No withdrawals or top-ups once the 14-day funding window closes. Interest is paid annually to your connected bank account. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem Bank savings FAQ, 2026-08-09 | 3 Year Fixed Term Saver (opens in a new tab) 3 years | 4.70% AER | fixed | — | £2,500,000 | No withdrawals or top-ups once the 14-day funding window closes. Interest is paid annually to your connected bank account. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Fixed Saver 3 year (annual interest) (opens in a new tab) 3 years | 4.70% AER | fixed | £500 | £2,000,000 | Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. Interest paid yearly at 4.70% gross, into this account, another Ford Money account, or your connected bank account. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Fixed Saver 3 year (monthly interest) (opens in a new tab) 3 years | 4.70% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.60% gross, into this account, another Ford Money account, or your connected bank account. Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. |
| Leeds Building Society FSCS £120,000 · online, branch or post Updated Source: Leeds Building Society savings rates, 2026-08-17 | 5 Year Fixed Rate Bond (Issue 718) (opens in a new tab) 5 years | 4.65% AER | fixed | £100 | £1,000,000 | No withdrawals until 3 November 2031. |
| Nationwide Building Society FSCS £120,000, shared with Virgin Money · online, app or branch Updated Source: Nationwide savings pages, 2026-08-17 | 5 year Fixed Rate Online Bond (opens in a new tab) 5 years | 4.65% AER | fixed | £1 | £5,000,000 | Top rate needs the 5 year term, with no withdrawals until it ends. |
| Nottingham Building Society FSCS £120,000 · online, app or branch Updated Source: Nottingham Building Society savings rates, 2026-08-17 | 1 Year Fixed Rate Bond (opens in a new tab) 1 year | 4.65% AER | fixed | £1 | £750,000 | Nothing comes out until 1 November 2027, and the online version cannot be held jointly. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 1 Year Online Bond Issue 143 (annual interest) (opens in a new tab) 1 year | 4.65% AER | fixed | £500 | £2,000,000 | Online only, one single deposit at the start, and no withdrawals before maturity. Interest paid annually at 4.65% gross (paid on maturity for this 1 year term). |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 2 Year Online Bond Issue 143 (annual interest) (opens in a new tab) 2 years | 4.65% AER | fixed | £500 | £2,000,000 | Online only, one single deposit at the start, and no withdrawals before maturity. Interest paid annually at 4.65% gross, on the anniversary of account opening. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 3 Year Online Bond Issue 143 (annual interest) (opens in a new tab) 3 years | 4.65% AER | fixed | £500 | £2,000,000 | Online only, one single deposit at the start, and no withdrawals before maturity. Interest paid annually at 4.65% gross, on the anniversary of account opening. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 1 Year Online Bond Issue 143 (monthly interest) (opens in a new tab) 1 year | 4.65% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.55% gross. Online only, one single deposit at the start, and no withdrawals before maturity. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 2 Year Online Bond Issue 143 (monthly interest) (opens in a new tab) 2 years | 4.65% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.55% gross. Online only, one single deposit at the start, and no withdrawals before maturity. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 3 Year Online Bond Issue 143 (monthly interest) (opens in a new tab) 3 years | 4.65% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.55% gross. Online only, one single deposit at the start, and no withdrawals before maturity. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Fixed Saver 2 year (annual interest) (opens in a new tab) 2 years | 4.65% AER | fixed | £500 | £2,000,000 | Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. Interest paid yearly at 4.65% gross, into this account, another Ford Money account, or your connected bank account. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Fixed Saver 2 year (monthly interest) (opens in a new tab) 2 years | 4.65% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.55% gross, into this account, another Ford Money account, or your connected bank account. Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. |
| Nationwide Building Society FSCS £120,000, shared with Virgin Money · online, app or branch Updated Source: Nationwide savings pages, 2026-08-17 | 3 year Fixed Rate Online Bond (opens in a new tab) 3 years | 4.60% AER | fixed | £1 | £5,000,000 | Online only; pay in during the first 14 days, then no withdrawals until the term ends. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem Bank savings FAQ, 2026-08-09 | 1 Year Fixed Term Saver (opens in a new tab) 1 year | 4.60% AER | fixed | — | £2,500,000 | No withdrawals or top-ups once the 14-day funding window closes. Interest is paid annually to your connected bank account. |
| Tandem Bank FSCS £120,000 · app-only Updated Source: Tandem Bank savings FAQ, 2026-08-09 | 18 Month Fixed Term Saver (opens in a new tab) 18 months | 4.60% AER | fixed | — | £2,500,000 | No withdrawals or top-ups once the 14-day funding window closes. Interest is paid annually and at the end of the term to your connected bank account. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Fixed Saver 1 year (annual interest) (opens in a new tab) 1 year | 4.60% AER | fixed | £500 | £2,000,000 | Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. Interest paid yearly at 4.60% gross, into this account, another Ford Money account, or your connected bank account. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Fixed Saver 1 year (monthly interest) (opens in a new tab) 1 year | 4.60% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.51% gross, into this account, another Ford Money account, or your connected bank account. Needs £500 to open, must be funded within 21 days, and no withdrawals during the term. |
| Al Rayan Bank FSCS £120,000 · app and desktop · sole applicants only Updated Source: Al Rayan Bank savings, 2026-08-17 | Educate A Child International 36 Month Fixed Term Deposit (interest at maturity) (opens in a new tab) 3 years | 4.55% EPR | fixed | £10,000 | £1,000,000 | An expected profit rate, not guaranteed interest, and no withdrawals before maturity. Profit is reinvested in the account and paid all together at maturity, quoted at 4.55% gross per annum on a £10,000 minimum. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 6 Month Fixed Saver (annual interest) (opens in a new tab) 6 months | 4.55% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.11% gross. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 9 Month Fixed Saver (annual interest) (opens in a new tab) 9 months | 4.55% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid annually at 4.38% gross. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 6 Month Fixed Saver (monthly interest) (opens in a new tab) 6 months | 4.55% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.07% gross. |
| Atom Bank FSCS £120,000 · app-only Updated Source: Atom bank Instant Saver terms, 2026-05-19 | 9 Month Fixed Saver (monthly interest) (opens in a new tab) 9 months | 4.55% AER | fixed | £50 | £100,000 | No withdrawals until the term ends, and you must pay in within a one-week deposit window; the £100,000 limit covers all your Atom Fixed Savers combined. Interest paid monthly at 4.31% gross. |
| Nationwide Building Society FSCS £120,000, shared with Virgin Money · online, app or branch Updated Source: Nationwide savings pages, 2026-08-17 | 2 year Fixed Rate Online Bond (opens in a new tab) 2 years | 4.55% AER | fixed | £1 | £5,000,000 | Online only; pay in during the first 14 days, then no withdrawals until the term ends. |
| Principality Building Society FSCS £120,000 · online, branch, agency or post Updated Source: Principality savings rates, 2026-08-17 | 1 Year Fixed Rate Bond (annual interest) (opens in a new tab) 1 year | 4.55% AER | fixed | £500 | £2,000,000 | Interest paid annually at 4.45% AER. No withdrawals and no closing early, and the first payment must land within five business days. |
| Principality Building Society FSCS £120,000 · online, branch, agency or post Updated Source: Principality savings rates, 2026-08-17 | 1 Year Fixed Rate Bond (monthly interest) (opens in a new tab) 1 year | 4.55% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.36% gross (4.45% AER). No withdrawals and no closing early, and the first payment must land within five business days. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | 15 Month Fixed Rate Bond (opens in a new tab) 15 months | 4.55% AER | fixed | £1 | — | No withdrawals or early closure during the term. |
| Coutts FSCS £120,000 · relationship managed · Coutts current account required Updated Source: Coutts rates and prices, 2026-08-17 | Fixed Term Deposit (opens in a new tab) 1 year | 4.52% AER | fixed | £25,000 | — | Indicative; your private banker confirms the rate. Needs a Coutts current account, and the relationship needs £3,000,000. The quoted rate is the 12 month term on £25,000 to £2,999,999; larger balances pay more. |
| Bank of Ireland UK FSCS £120,000, shared with Post Office Money · UK wide, branches in Northern Ireland · online, app, phone or branch Updated Source: Bank of Ireland UK savings, 2026-08-17 | Limited Edition Fixed Term Deposit (12 months) (opens in a new tab) 1 year | 4.50% AER | fixed | £2,000 | £5,000,000 | No withdrawals during the term, and deposits must come from a linked Bank of Ireland UK account. |
| Bank of Ireland UK FSCS £120,000, shared with Post Office Money · UK wide, branches in Northern Ireland · online, app, phone or branch Updated Source: Bank of Ireland UK savings, 2026-08-17 | Limited Edition Fixed Term Deposit (2 years) (opens in a new tab) 2 years | 4.50% AER | fixed | £2,000 | £5,000,000 | Single deposit from a linked Bank of Ireland UK current or savings account, and no withdrawals during the term. Early closure is only allowed in special circumstances and may carry a charge. |
| First Direct FSCS £120,000, shared with HSBC UK · online, app or phone, no branches Updated Source: First Direct savings, 2026-08-17 | Fixed Rate Savings (opens in a new tab) to 8 October 2027 | 4.50% AER | fixed | £2,000 | £1,000,000 | One deposit of £2,000 or more, no partial withdrawals, and you must hold a 1st Account. Closing early costs up to 90 days of interest, and this rate is on offer until 8 October 2026. |
| Leeds Building Society FSCS £120,000 · online, branch or post Updated Source: Leeds Building Society savings rates, 2026-08-17 | 1 Year Fixed Rate Bond (Issue 712) (opens in a new tab) 1 year | 4.50% AER | fixed | £100 | £1,000,000 | Nothing comes out until 5 October 2027, deposits are only accepted up to 4 October 2026, and below £100 the rate drops to 0.05%. |
| Nationwide Building Society FSCS £120,000, shared with Virgin Money · online, app or branch Updated Source: Nationwide savings pages, 2026-08-17 | 1 year Fixed Rate Online Bond (opens in a new tab) 1 year | 4.50% AER | fixed | £1 | £5,000,000 | Online only; pay in during the first 14 days, then no withdrawals until the term ends. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | 2 Year Fixed Rate Bond (opens in a new tab) 2 years | 4.50% AER | fixed | £1 | — | No withdrawals or early closure during the term. |
| HSBC Accepts with conditions US persons: apply by phone or in a branch, not online, because a US citizen has more than one tax residency FSCS £120,000 · phone or branch for a US citizen Updated Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25 (opens in a new tab) | Fixed Rate Saver (1 year) (annual interest) (opens in a new tab) 1 year | 4.50% AER | fixed | £2,000 | £1,000,000 | Needs an HSBC current or savings account kept for the term, one deposit only, and closing early costs up to 90 days of interest. Interest paid annually at 4.50% AER, into the HSBC account you used for your deposit. |
| HSBC Accepts with conditions US persons: apply by phone or in a branch, not online, because a US citizen has more than one tax residency FSCS £120,000 · phone or branch for a US citizen Updated Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25 (opens in a new tab) | Fixed Rate Saver (1 year) (monthly interest) (opens in a new tab) 1 year | 4.50% AER | fixed | £2,000 | £1,000,000 | Interest paid monthly at 4.50% AER, into the HSBC account you used for your deposit. Needs an HSBC current or savings account kept for the term, one deposit only, and closing early costs up to 90 days of interest. |
| Al Rayan Bank FSCS £120,000 · app and desktop · sole applicants only Updated Source: Al Rayan Bank savings, 2026-08-17 | Educate A Child International 36 Month Fixed Term Deposit (quarterly interest) (opens in a new tab) 3 years | 4.48% EPR | fixed | £10,000 | £1,000,000 | An expected profit rate, not guaranteed interest, and no withdrawals before maturity, paid quarterly to your nominated account. Gross per annum on a £10,000 minimum. |
| Paragon Bank FSCS £120,000 · online and post Updated Source: Paragon Bank savings rates, 2026-08-17 | 15 Month Fixed Rate (opens in a new tab) 15 months | 4.45% AER | fixed | £1,000 | £500,000 | No withdrawals for the full 15 months. |
| Principality Building Society FSCS £120,000 · online, branch, agency or post Updated Source: Principality savings rates, 2026-08-17 | 2 Year Fixed Rate Bond (annual interest) (opens in a new tab) 2 years | 4.45% AER | fixed | £500 | — | Issue 554: interest paid annually at 4.25% AER. No withdrawals and no closing early, and the first payment must land within five business days. |
| Principality Building Society FSCS £120,000 · online, branch, agency or post Updated Source: Principality savings rates, 2026-08-17 | 2 Year Fixed Rate Bond (monthly interest) (opens in a new tab) 2 years | 4.45% AER | fixed | £500 | — | Issue 554: interest paid monthly at 4.17% gross (4.25% AER). No withdrawals and no closing early, and the first payment must land within five business days. |
| TSB FSCS £120,000 · online, app or branch Updated Source: TSB savings pages, 2026-08-17 | Fixed Rate Bond (opens in a new tab) 1 to 3 years | 4.45% AER | fixed | £1 | £1,000,000 | No withdrawals or early closure before maturity. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 15 Month Bond (opens in a new tab) 15 months | 4.43% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for 15 months. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | 9 Month Fixed Rate Bond Issue 1 (opens in a new tab) 9 months | 4.42% AER | fixed | £1,000 | — | Opens online, and it must be funded within 14 days. You can choose monthly or annual interest. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | 6 Month Fixed Rate Bond Issue 1 (opens in a new tab) 6 months | 4.41% AER | fixed | £1,000 | — | Opens online, and it must be funded within 14 days. You can choose monthly or annual interest. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | 2 Year Fixed Term Saver (annual interest) (opens in a new tab) 2 years | 4.40% AER | fixed | £500 | £2,000,000 | Interest paid annually at 4.40% AER. Pay in within 14 days of opening, then no deposits, withdrawals or closure until 1 October 2028. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | 3 Year Fixed Term Saver (annual interest) (opens in a new tab) 3 years | 4.40% AER | fixed | £500 | £2,000,000 | Interest paid annually at 4.40% AER. Pay in within 14 days of opening, then no deposits, withdrawals or closure until 1 October 2029. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | 2 Year Fixed Term Saver (monthly interest) (opens in a new tab) 2 years | 4.40% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.31% gross (4.40% AER if reinvested in the Fixed Term Saver; paying interest to a different account earns the 4.31% gross rate instead). Pay in within 14 days of opening, then no deposits, withdrawals or closure until 1 October 2028. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | 3 Year Fixed Term Saver (monthly interest) (opens in a new tab) 3 years | 4.40% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.31% gross (4.40% AER if reinvested in the Fixed Term Saver; paying interest to a different account earns the 4.31% gross rate instead). Pay in within 14 days of opening, then no deposits, withdrawals or closure until 1 October 2029. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 18 Month Bond (opens in a new tab) 18 months | 4.40% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for 18 months; interest is paid annually and on maturity. |
| Yorkshire Building Society FSCS £120,000 · online, branch or post Updated Source: Yorkshire Building Society savings rates, 2026-08-17 | Fixed Rate eBond (opens in a new tab) about 3 years | 4.40% AER | fixed | £1,000 | — | Online only, £1,000 to open, and nothing comes out until October 2029. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 1 Year Bond (opens in a new tab) 1 year | 4.28% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for a year, with interest paid on maturity. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 6 Month Bond (opens in a new tab) 6 months | 4.24% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for 6 months, with interest paid on maturity. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | 3 Year Fixed Term Deposit (monthly interest) (opens in a new tab) 3 years | 4.23% AER | fixed | £1,000 | £1,000,000 | No withdrawals until maturity and no deposits after the first 14 days. Interest paid monthly at 4.15% gross, sent to another account of your choice rather than added to your balance, so your return follows the lower gross rate rather than the 4.18% AER. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 9 Month Bond (opens in a new tab) 9 months | 4.22% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for 9 months, with interest paid on maturity. |
| C. Hoare & Co FSCS £120,000 · relationship managed · current account required Updated Source: C. Hoare & Co personal deposit rates, 2026-08-17 | Fixed Term Deposit (opens in a new tab) 1 year | 4.20% AER | fixed | £100,000 | — | Needs a C. Hoare & Co current account and a cleared balance of £100,000. No additions or withdrawals during the term; two years pays 4.25%. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Fixed Rate Saver (28) to 30.11.2029 (annual interest) (opens in a new tab) about 3 years | 4.20% AER | fixed | £1 | £1,000,000 | No withdrawals once the 14 day cooling off period ends. Interest paid annually. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Fixed Rate Saver (28) to 30.11.2029 (monthly interest) (opens in a new tab) about 3 years | 4.20% AER | fixed | £1 | £1,000,000 | No withdrawals once the 14 day cooling off period ends. Interest paid monthly at the same 4.20% AER; Coventry does not publish a separate gross figure for the monthly option on this page. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | 1 Year Fixed Term Saver (annual interest) (opens in a new tab) 1 year | 4.20% AER | fixed | £500 | £2,000,000 | Interest paid annually at 4.20% AER. Pay in within 14 days of opening, then no deposits, withdrawals or closure until 1 October 2027. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | 1 Year Fixed Term Saver (monthly interest) (opens in a new tab) 1 year | 4.20% AER | fixed | £500 | £2,000,000 | Interest paid monthly at 4.12% gross (4.20% AER if reinvested in the Fixed Term Saver; paying interest to a different account earns the 4.12% gross rate instead). Pay in within 14 days of opening, then no deposits, withdrawals or closure until 1 October 2027. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | 3 Year Fixed Term Deposit (annual interest) (opens in a new tab) 3 years | 4.18% AER | fixed | £1,000 | £1,000,000 | No withdrawals until maturity and no deposits after the first 14 days. Interest paid annually, into this account or another account of your choice. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | 1 Year Fixed Rate Bond (opens in a new tab) 1 year | 4.15% AER | fixed | £1 | — | No withdrawals or early closure during the term. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | 2 Year Fixed Term Deposit (monthly interest) (opens in a new tab) 2 years | 4.13% AER | fixed | £1,000 | £1,000,000 | No withdrawals until maturity and no deposits after the first 14 days. Interest paid monthly at 4.06% gross, sent to another account of your choice rather than added to your balance, so your return follows the lower gross rate rather than the 4.09% AER. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Fixed Rate Saver (27) to 30.11.2028 (annual interest) (opens in a new tab) to November 2028 | 4.10% AER | fixed | £1 | £1,000,000 | No withdrawals once the 14 day cooling off period ends. Interest paid annually. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Fixed Rate Saver (27) to 30.11.2028 (monthly interest) (opens in a new tab) to November 2028 | 4.10% AER | fixed | £1 | £1,000,000 | No withdrawals once the 14 day cooling off period ends. Interest paid monthly at the same 4.10% AER; Coventry does not publish a separate gross figure for the monthly option on this page. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 2 Year Bond (opens in a new tab) 2 years | 4.10% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for 2 years; interest is paid annually and on maturity. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 3 Year Bond (opens in a new tab) 3 years | 4.10% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for 3 years; interest is paid annually and on maturity. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 4 Year Bond (opens in a new tab) 4 years | 4.10% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for 4 years; interest is paid annually and on maturity. |
| United Trust Bank FSCS £120,000 · online, phone or post Updated Source: United Trust Bank personal deposits, 2026-08-17 | 5 Year Bond (opens in a new tab) 5 years | 4.10% AER | fixed | £5,000 | £1,000,000 | Needs £5,000 to open and locks the money away for 5 years; interest is paid annually and on maturity. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | 2 Year Fixed Term Deposit (annual interest) (opens in a new tab) 2 years | 4.09% AER | fixed | £1,000 | £1,000,000 | No withdrawals until maturity and no deposits after the first 14 days. Interest paid annually, into this account or another account of your choice. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 2 Year Fixed Term Deposit Account (opens in a new tab) 2 years | 4.05% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, and no additional deposits after opening. Clients of four years or more get 4.10%. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | 1 Year Fixed Term Deposit (monthly interest) (opens in a new tab) 1 year | 4.04% AER | fixed | £1,000 | £1,000,000 | No withdrawals until maturity and no deposits after the first 14 days. Interest paid monthly at 3.96% gross, sent to another account of your choice rather than added to your balance, so your return follows the lower gross rate rather than the 4.00% AER. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | July 2028 Tax Payment Deposit Account (opens in a new tab) to 14 July 2028 | 4.03% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, and no additional deposits after opening. It matures on 14 July 2028. |
| Arbuthnot Latham FSCS £120,000 · relationship managed · £750,000 entry Updated Source: Arbuthnot Latham savings rates, 2026-08-17 | Fixed Term Deposit (opens in a new tab) 1 year | 4.00% AER | fixed | £100,000 | — | New clients must bring at least £750,000 across banking, lending and investments. No access during the term. |
| Bank of Scotland FSCS £120,000, shared with Halifax · online, app, phone or branch Updated Source: Bank of Scotland savings, 2026-08-17 | 2 Year Fixed Rate Bond (annual interest) (opens in a new tab) 2 years | 4.00% AER | fixed | £500 | £9,000,000 | Closing early costs 180 days' interest. Interest paid annually at 4.00% gross. |
| Bank of Scotland FSCS £120,000, shared with Halifax · online, app, phone or branch Updated Source: Bank of Scotland savings, 2026-08-17 | 2 Year Fixed Rate Bond (monthly interest) (opens in a new tab) 2 years | 4.00% AER | fixed | £500 | £9,000,000 | Interest paid monthly at 3.93% gross. Closing early costs 180 days' interest. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Fixed Rate Saver (26) to 30.11.2027 (annual interest) (opens in a new tab) to November 2027 | 4.00% AER | fixed | £1 | £1,000,000 | No withdrawals once the 14 day cooling off period ends. Interest paid annually. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Fixed Rate Saver (26) to 30.11.2027 (monthly interest) (opens in a new tab) to November 2027 | 4.00% AER | fixed | £1 | £1,000,000 | No withdrawals once the 14 day cooling off period ends. Interest paid monthly at the same 4.00% AER; Coventry does not publish a separate gross figure for the monthly option on this page. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Fixed Saver (2 year) (annual interest) (opens in a new tab) 2 years | 4.00% AER | fixed | £500 | £9,000,000 | Deposits only in the first 10 days, no withdrawals, and closing early costs 180 days of interest. Interest paid annually. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Fixed Saver (5 year) (annual interest) (opens in a new tab) 5 years | 4.00% AER | fixed | £500 | £9,000,000 | Deposits only in the first 10 days, no withdrawals, and closing early costs 365 days of interest. Interest paid annually. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Fixed Saver (2 year) (monthly interest) (opens in a new tab) 2 years | 4.00% AER | fixed | £500 | £9,000,000 | Deposits only in the first 10 days, no withdrawals, and closing early costs 180 days of interest. Interest paid monthly, at 3.93% gross rather than the 4.00% gross paid annually. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Fixed Saver (5 year) (monthly interest) (opens in a new tab) 5 years | 4.00% AER | fixed | £500 | £9,000,000 | Deposits only in the first 10 days, no withdrawals, and closing early costs 365 days of interest. Interest paid monthly, at 3.93% gross rather than the 4.00% gross paid annually. |
| Lloyds Bank FSCS £120,000 · online, app or branch Updated Source: Lloyds Bank easy saver, 2026-08-17 | Online Fixed Bond (2 years) (opens in a new tab) 2 years | 4.00% AER | fixed | £500 | — | Withdrawals only by closing the account, and charges apply. Interest is paid after each year. |
| Paragon Bank FSCS £120,000 · online and post Updated Source: Paragon Bank savings rates, 2026-08-17 | 1 Year Fixed Rate (opens in a new tab) 1 year | 4.00% AER | fixed | £1,000 | £500,000 | No withdrawals for the full year. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 1 Year Growth Bond Issue 66 (opens in a new tab) 1 year | 4.00% AER | fixed | £500 | £1,000,000 | Branch or post only to open, one single deposit, and breaking it early costs a fee. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 2 Year Growth Bond Issue 66 (opens in a new tab) 2 years | 4.00% AER | fixed | £500 | £1,000,000 | Branch or post only to open, one single deposit, and breaking it early costs a fee. |
| Post Office Money FSCS £120,000 shared with Bank of Ireland UK, which provides it · online, branch, post or phone Updated Source: Post Office savings rates, 2026-08-17 | 3 Year Growth Bond Issue 66 (opens in a new tab) 3 years | 4.00% AER | fixed | £500 | £1,000,000 | Branch or post only to open, one single deposit, and breaking it early costs a fee. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | 1 Year Fixed Term Deposit (annual interest) (opens in a new tab) 1 year | 4.00% AER | fixed | £1,000 | £1,000,000 | No withdrawals until maturity and no deposits after the first 14 days. Interest paid annually, into this account or another account of your choice. |
| Virgin Money FSCS £120,000, shared with Nationwide · online or app Updated Source: Virgin Money savings pages, 2026-08-17 | 1 Year Fixed Rate E-Bond (opens in a new tab) 1 year | 4.00% AER | fixed | £1 | £1,000,000 | Fund it within 7 days of opening, and no withdrawals until maturity. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 1 Year Fixed Term Deposit Account (opens in a new tab) 1 year | 4.00% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, no additional deposits after opening. Clients of four years or more get 4.05%. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 6 Month Fixed Term Deposit Account (opens in a new tab) 6 months | 4.00% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, and no additional deposits after opening. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | July 2027 Tax Payment Deposit Account (opens in a new tab) to 14 July 2027 | 4.00% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, and no additional deposits after opening. It matures on 14 July 2027. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | January 2028 Tax Payment Deposit Account (opens in a new tab) to 14 January 2028 | 4.00% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, and no additional deposits after opening. It matures on 14 January 2028. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 3 Year Fixed Term Deposit Account (opens in a new tab) 3 years | 3.90% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, and no additional deposits after opening. |
| Bank of Scotland FSCS £120,000, shared with Halifax · online, app, phone or branch Updated Source: Bank of Scotland savings, 2026-08-17 | 1 Year Fixed Rate Bond (annual interest) (opens in a new tab) 1 year | 3.80% AER | fixed | £500 | £9,000,000 | Closing early costs 90 days' interest. Interest paid annually at 3.80% gross. |
| Bank of Scotland FSCS £120,000, shared with Halifax · online, app, phone or branch Updated Source: Bank of Scotland savings, 2026-08-17 | 1 Year Fixed Rate Bond (monthly interest) (opens in a new tab) 1 year | 3.80% AER | fixed | £500 | £9,000,000 | Interest paid monthly at 3.74% gross. Closing early costs 90 days' interest. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Fixed Saver (annual interest) (opens in a new tab) 1 year | 3.80% AER | fixed | £500 | £9,000,000 | No withdrawals during the term, and closing early carries a charge. Interest paid annually. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Fixed Saver (monthly interest) (opens in a new tab) 1 year | 3.80% AER | fixed | £500 | £9,000,000 | No withdrawals during the term, and closing early carries a charge. Interest paid monthly, at 3.74% gross rather than the 3.80% gross paid annually. |
| Lloyds Bank FSCS £120,000 · online, app or branch Updated Source: Lloyds Bank easy saver, 2026-08-17 | Online Fixed Bond (1 year) (opens in a new tab) 1 year | 3.80% AER | fixed | £500 | — | A Lloyds Premier current account open at least 8 days adds 0.20%. Withdrawals only by closing the account, and charges apply. |
| Allied Irish Bank (GB) FSCS £120,000 · open by phone, then manage by phone or online Updated Source: Allied Irish Bank (GB) savings and deposits, 2026-08-17 | Fixed Rate Saver (opens in a new tab) 1 year | 3.75% AER | fixed | £5,000 | £200,000 | No withdrawals before maturity, and the opening deposit must be a single payment of at least £5,000. |
| Bank of Ireland UK FSCS £120,000, shared with Post Office Money · UK wide, branches in Northern Ireland · online, app, phone or branch Updated Source: Bank of Ireland UK savings, 2026-08-17 | Limited Edition Fixed Term Deposit (6 months) (opens in a new tab) 6 months | 3.75% AER | fixed | £2,000 | £5,000,000 | Single deposit from a linked Bank of Ireland UK current or savings account, and no withdrawals during the term. Early closure is only allowed in special circumstances and may carry a charge. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (1 year) (opens in a new tab) 1 year | 3.75% AER | fixed | £5,000 | £1,000,000 | The top rate needs £250,000 or more; below that it pays 3.60%. You need a Danske current account or instant access savings account alongside, one deposit only, and nothing comes out before maturity. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (3 year) (annual interest) (opens in a new tab) 3 years | 3.75% AER | fixed | £500 | £2,000,000 | One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid annually. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (3 year) (monthly interest) (opens in a new tab) 3 years | 3.75% AER | fixed | £500 | £2,000,000 | One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid monthly, at 3.69% gross against 3.75% AER. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (1 year) (annual interest) (opens in a new tab) 1 year | 3.70% AER | fixed | £500 | £2,000,000 | One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid annually. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (18 month) (annual interest) (opens in a new tab) 18 months | 3.70% AER | fixed | £500 | £2,000,000 | One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid annually. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (1 year) (monthly interest) (opens in a new tab) 1 year | 3.70% AER | fixed | £500 | £2,000,000 | One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid monthly, at 3.64% gross against 3.70% AER. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (18 month) (monthly interest) (opens in a new tab) 18 months | 3.70% AER | fixed | £500 | £2,000,000 | One lump sum only, and no withdrawals or closure after the first 14 days. Interest paid monthly, at 3.64% gross against 3.70% AER. |
| Starling Bank FSCS £120,000 · app-only, needs a Starling current account Updated Source: Starling help: how do I open and manage my Easy Saver, 2026-09-25 (opens in a new tab) | Fixed Saver (opens in a new tab) 1 year | 3.70% AER | fixed | £2,000 | £1,000,000 | Needs a Starling current account. Locked for the full year, and you cannot top it up. |
| Triodos Bank UK FSCS £120,000 · online only, no branches Updated Source: Triodos Bank UK savings, 2026-08-17 | Ethical Savings Bond (annual interest) (opens in a new tab) 1 year | 3.60% AER | fixed | £500 | £1,000,000 | One opening deposit only, and no withdrawals once the 30 day cancellation period ends. Interest paid annually and at maturity, compounding within the bond. |
| Triodos Bank UK FSCS £120,000 · online only, no branches Updated Source: Triodos Bank UK savings, 2026-08-17 | Ethical Savings Bond (monthly interest) (opens in a new tab) 1 year | 3.60% AER | fixed | £500 | £1,000,000 | Interest paid monthly into your chosen interest payment account rather than compounding in the bond. One opening deposit only, and no withdrawals once the 30 day cancellation period ends. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (2 year) (opens in a new tab) 2 years | 3.58% AER | fixed | £5,000 | £1,000,000 online | Interest is paid at maturity, so the 3.65% gross rate works out at 3.58% AER. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (3 year) (opens in a new tab) 3 years | 3.57% AER | fixed | £5,000 | £1,000,000 online | Interest is paid at maturity, so the 3.70% gross rate works out at 3.57% AER. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity. |
| Hampden & Co FSCS £120,000 · relationship managed · Hampden current account required Updated Source: Hampden & Co deposit rates, 2026-08-17 | Term Account (opens in a new tab) 1 year | 3.56% AER | fixed | £50,000 | — | Indicative, rising to 4.02% above £3,000,000. One deposit per account and no withdrawals during the term. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (4 year) (opens in a new tab) 4 years | 3.55% AER | fixed | £5,000 | £1,000,000 online | Interest is paid at maturity, so the 3.75% gross rate works out at 3.55% AER. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (5 year) (opens in a new tab) 5 years | 3.54% AER | fixed | £5,000 | £1,000,000 online | Interest is paid at maturity, so the 3.80% gross rate works out at 3.54% AER. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (9 month) (opens in a new tab) 9 months | 3.22% AER | fixed | £5,000 | £1,000,000 online | You need a Danske current account or instant access savings account alongside, one deposit only, and nothing comes out before maturity. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | January 2027 Tax Payment Deposit Account (opens in a new tab) to 14 January 2027 | 3.20% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, and no additional deposits after opening. It matures on 14 January 2027. |
| Weatherbys Bank FSCS £120,000 · relationship managed · Weatherbys clients only Updated Source: Weatherbys deposit accounts, 2026-08-17 | 5 Year Fixed Term Deposit Account (opens in a new tab) 5 years | 3.15% AER | fixed | £50,000 | £2,000,000 | Weatherbys clients only, and no additional deposits after opening. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (6 month) (opens in a new tab) 6 months | 3.02% AER | fixed | £5,000 | £1,000,000 online | You need a Danske current account or instant access savings account alongside, one deposit only, and nothing comes out before maturity. |
| HBL Bank UK FSCS £120,000 · open in branch in London or Manchester, then manage online Updated Source: HBL Bank UK savings fact sheet, 2026-08-17 | GBP Fixed Term Deposit (6 months) (opens in a new tab) 6 months | 2.70% AER | fixed | — | — | Rate fixed for the term; apply with HBL's fixed term deposit form. Interest can be paid to another account, and the deposit can roll over at maturity. |
| HBL Bank UK FSCS £120,000 · open in branch in London or Manchester, then manage online Updated Source: HBL Bank UK savings fact sheet, 2026-08-17 | GBP Fixed Term Deposit (1 year) (opens in a new tab) 1 year | 2.65% AER | fixed | — | — | Rate fixed for the term; apply with HBL's fixed term deposit form. Interest can be paid to another account, and the deposit can roll over at maturity. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (3 month) (opens in a new tab) 3 months | 2.63% AER | fixed | £5,000 | — | Branch or phone only. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (4 month) (opens in a new tab) 4 months | 2.62% AER | fixed | £5,000 | — | Branch or phone only. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity. |
| HBL Bank UK FSCS £120,000 · open in branch in London or Manchester, then manage online Updated Source: HBL Bank UK savings fact sheet, 2026-08-17 | GBP Fixed Term Deposit (3 months) (opens in a new tab) 3 months | 2.60% AER | fixed | — | — | Rate fixed for the term; apply with HBL's fixed term deposit form. Interest can be paid to another account, and the deposit can roll over at maturity. |
| HBL Bank UK FSCS £120,000 · open in branch in London or Manchester, then manage online Updated Source: HBL Bank UK savings fact sheet, 2026-08-17 | GBP Fixed Term Deposit (1 month) (opens in a new tab) 1 month | 2.55% AER | fixed | — | — | Rate fixed for the term; apply with HBL's fixed term deposit form. Interest can be paid to another account, and the deposit can roll over at maturity. |
| HBL Bank UK FSCS £120,000 · open in branch in London or Manchester, then manage online Updated Source: HBL Bank UK savings fact sheet, 2026-08-17 | GBP Fixed Term Deposit (2 years) (opens in a new tab) 2 years | 2.45% AER | fixed | — | — | Rate fixed for the term; apply with HBL's fixed term deposit form. Interest can be paid to another account, and the deposit can roll over at maturity. |
| HBL Bank UK FSCS £120,000 · open in branch in London or Manchester, then manage online Updated Source: HBL Bank UK savings fact sheet, 2026-08-17 | GBP Fixed Term Deposit (3 years) (opens in a new tab) 3 years | 2.25% AER | fixed | — | — | Rate fixed for the term; apply with HBL's fixed term deposit form. Interest can be paid to another account, and the deposit can roll over at maturity. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (3 month) (interest at maturity) (opens in a new tab) 3 months | 2.02% AER | fixed | £500 | £2,000,000 | Opens in store or through Online Banking only, with no withdrawals after the first 14 days. The rate is for interest paid at maturity. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (6 month) (interest at maturity) (opens in a new tab) 6 months | 2.01% AER | fixed | £500 | £2,000,000 | Opens in store or through Online Banking only, with no withdrawals after the first 14 days. The rate is for interest paid at maturity. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (6 month) (monthly interest) (opens in a new tab) 6 months | 2.00% AER | fixed | £500 | £2,000,000 | Opens in store or through Online Banking only, with no withdrawals after the first 14 days. Interest paid monthly, at 1.99% gross against 2.00% AER. |
| Metro Bank FSCS £120,000 · online, app or in store Updated Source: Metro Bank savings pages, 2026-08-17 | Fixed Term Savings (3 month) (monthly interest) (opens in a new tab) 3 months | 2.00% AER | fixed | £500 | £2,000,000 | Opens in store or through Online Banking only, with no withdrawals after the first 14 days. Interest paid monthly, at 1.99% gross against 2.00% AER. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (1 month) (opens in a new tab) 1 month | 1.21% AER | fixed | £5,000 | — | Branch or phone only. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity. |
| Danske Bank UK FSCS £120,000 · new customers must live in Northern Ireland · online, app, phone or branch Updated Source: Danske Bank UK savings, 2026-08-17 | Danske Fixed Term Deposit (2 month) (opens in a new tab) 2 months | 1.21% AER | fixed | £5,000 | — | Branch or phone only. You need a Danske current account or instant access savings account alongside, and nothing comes out before maturity. |
Regular savers
The opposite of a fixed term: no lump sum allowed. You pay in a capped amount each month, which is why the rate is the highest on the page and the balance cap is small.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Bank of Scotland FSCS £120,000, shared with Halifax · online, app, phone or branch Updated Source: Bank of Scotland savings, 2026-08-17 | Monthly Saver (opens in a new tab) | 8.00% AER | fixed | £25 a month | £250 a month | Needs a Bank of Scotland current account. Pay in £25 to £250 by the 25th of each month, and money taken out cannot be paid back in. |
| Halifax FSCS £120,000, shared with Bank of Scotland · online, app, phone or branch Updated Source: Halifax savings, 2026-08-17 | Regular Saver (opens in a new tab) | 8.00% AER | fixed | £25 a month | £250 a month | Pay in £25 to £250 a month; no withdrawals unless you close it, and an Everyday Saver opens alongside. |
| Lloyds Bank FSCS £120,000 · online, app or branch Updated Source: Lloyds Bank easy saver, 2026-08-17 | Monthly Saver (opens in a new tab) 1 year | 8.00% AER | fixed | £25 a month | £3,000 | Needs a Lloyds current account, and Club Lloyds or Premier customers open the Club Lloyds Monthly Saver instead. Pay in £25 to £250 a month for 12 months, then it becomes a Standard Saver. |
| Santander UK FSCS £120,000 · online, app, phone or branch Updated Source: Santander savings pages, 2026-08-17 | Regular Saver (opens in a new tab) | 8.00% AER then 3.00% | variable | — | £2,400 over 12 months | Needs a Santander current account; 5.00% of the rate is a bonus that ends after 12 months, and deposits stop at £200 a month. |
| First Direct FSCS £120,000, shared with HSBC UK · online, app or phone, no branches Updated Source: First Direct savings, 2026-08-17 | Regular Saver (opens in a new tab) | 7.00% AER | fixed | £25 a month | £300 a month | Pay in £25 to £300 a month by standing order and hold a 1st Account; closing early drops you to the standard variable rate. |
| The Co-operative Bank FSCS £120,000 · online, app or branch Updated Source: The Co-operative Bank savings pages, 2026-08-17 | Regular Saver Issue 1 (opens in a new tab) 1 year | 7.00% AER | variable | £1 | £3,000 over 12 months | Needs a Co-operative Bank current account, and deposits stop at £250 a month. |
| Nationwide Building Society FSCS £120,000, shared with Virgin Money · online, app or branch Updated Source: Nationwide savings pages, 2026-08-17 | Flex Regular Saver (opens in a new tab) | 6.50% AER | variable | — | £2,400 over 12 months | Needs a Nationwide current account; falls to 1.05% from the fourth withdrawal, and deposits stop at £200 a month. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | Member Regular Saver (opens in a new tab) | 5.75% AER | tracker | — | £250 a month | Only for people who have been Skipton members for 30 days or more and hold no other Regular Saver; tracks 2.00% above Bank of England Base Rate for 12 months. No withdrawals, but you can close it early. |
| NatWest FSCS £120,000 · online, app or branch Updated Source: NatWest savings and tax residency pages, 2026-08-17 | Digital Regular Saver (opens in a new tab) | 5.25% AER | variable | £1 a month | — | Needs a NatWest current account. Pay in £1 to £150 a month, and the rate applies only to the first £5,000; above that it drops to 1.00%. |
| Skipton Building Society FSCS £120,000 · online, app, branch, post or phone Updated Source: Skipton savings rates, 2026-08-17 | Regular Saver (opens in a new tab) | 5.25% AER | tracker | £1 | £200 a month | Tracks 1.50% above base rate for 12 months, and you can pay in at most £200 a month. |
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | Regular Savings Account Issue 12 (opens in a new tab) | 5.10% AER | variable | £25 a month | £500 a month | Branch only to open, £500 a month cap, and it becomes an easy access account after a year. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Sunny Day Saver (3) (opens in a new tab) | 5.00% AER | variable | £1 a month | £150 a month | Pay in £1 to £150 each calendar month for a year, and withdrawals are free. Eligible accounts are also entered into prize draws. |
| Monzo FSCS £120,000 · app-only, needs a Monzo current account Updated Source: Monzo Instant Access Savings eligibility, 2026-09-25 (opens in a new tab) | 1p Saving Challenge Pot (opens in a new tab) | 5.00% AER | variable | — | — | Needs a paid plan from £3 a month; on a free account this pot earns nothing. |
| TSB FSCS £120,000 · online, app or branch Updated Source: TSB savings pages, 2026-08-17 | Monthly Saver (opens in a new tab) 1 year | 5.00% AER | fixed | £25 a month | £3,000 over 12 months | Needs a TSB current account and a standing order of £25 to £250 a month. |
| HSBC Accepts with conditions US persons: apply by phone or in a branch, not online, because a US citizen has more than one tax residency FSCS £120,000 · phone or branch for a US citizen Updated Source: HSBC UK: Online Bonus Saver, Flexible Saver and Premier Savings, 2026-09-25 (opens in a new tab) | Regular Saver (opens in a new tab) 1 year | 5.00% AER | fixed | £25 a month | £3,000 | Fixed for 12 months; pay in 25 to £250 a month, no withdrawals; needs an HSBC current account. |
| Principality Building Society FSCS £120,000 · online, branch, agency or post Updated Source: Principality savings rates, 2026-08-17 | 1 Year Regular Saver Bond (opens in a new tab) | 4.85% AER | fixed | £1 | £3,000 | Up to £250 a month to a £3,000 ceiling, and no withdrawals for the year. |
| Yorkshire Building Society FSCS £120,000 · online, branch or post Updated Source: Yorkshire Building Society savings rates, 2026-08-17 | Loyalty Regular eSaver (opens in a new tab) | 4.85% AER | variable | £1 | £250 a month | Existing members only, online only, up to £250 a month and one withdrawal day a year. |
| Ford Money Accepts with conditions US persons: contact them so the right FATCA declaration form can be sent FSCS £120,000 · online Updated Source: Ford Money product pages, 2026-08-17 | Regular Saver (opens in a new tab) | 4.75% AER | fixed | £25 a month | £200 a month | Pay in £25 to £200 a month for 12 months, and you can only hold one. |
| Leeds Building Society FSCS £120,000 · online, branch or post Updated Source: Leeds Building Society savings rates, 2026-08-17 | Regular Saver (Issue 81) (opens in a new tab) | 4.45% AER | variable | £100 | £6,000 | Up to £250 a month to a £6,000 ceiling, with one free withdrawal a year. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | First Home Saver (2) (opens in a new tab) | 4.25% AER | variable | £1 a month | £1,000 a month | Pay in up to £1,000 a month for 36 months; withdrawals need 60 days notice or cost 60 days of interest. A £500 bonus is added if you take a Coventry mortgage. |
| Cumberland Building Society FSCS £120,000 · Cumbria, south-west Scotland and nearby only · branch or online Updated Source: Cumberland Building Society savings, 2026-08-17 | Regular Saver (opens in a new tab) | 4.25% AER then 2.60% | variable | £1 | £3,000 | Cumberland Plus current account holders only, £250 a month maximum, and after twelve months the balance moves to a Reward Instant Access account. |
| Nottingham Building Society FSCS £120,000 · online, app or branch Updated Source: Nottingham Building Society savings rates, 2026-08-17 | Regular Saver (opens in a new tab) | 4.25% AER | variable | £1 | £7,500 | Up to £500 a month to a £7,500 ceiling, and the rate is only held to October 2027. |
| Yorkshire Building Society FSCS £120,000 · online, branch or post Updated Source: Yorkshire Building Society savings rates, 2026-08-17 | Regular eSaver (opens in a new tab) | 4.25% AER | variable | £1 | £250 a month | Online only, up to £250 a month for a year, and two withdrawal days. |
| Coventry Building Society FSCS £120,000 · online, branch, post or phone Updated Source: Coventry Building Society savings rates, 2026-08-17 | Regular Saver (6) (opens in a new tab) | 4.00% AER | variable | £1 | £500 a month | Up to £500 a month, and any withdrawal costs 30 days of interest. |
| Cumberland Building Society FSCS £120,000 · Cumbria, south-west Scotland and nearby only · branch or online Updated Source: Cumberland Building Society savings, 2026-08-17 | First Home Saver (Issue 2) (opens in a new tab) | 3.75% AER | variable | £100 | £25,000 | First time buyers with a Cumberland current account only; pay in £100 to £1,500 a month, up to £25,000. Withdrawals need 90 days notice or cost 90 days of interest, unless the money pays a deposit on a Cumberland mortgage. |
Other accounts
Access terms not yet recorded.
| The catch | ||||||
|---|---|---|---|---|---|---|
| Kent Reliance FSCS £120,000 via OneSavings Bank · online, post or Kent branches Updated Source: Kent Reliance savings rates, 2026-08-17 | New Monthly Income Saver Issue 1 (opens in a new tab) | 3.75% AER | variable | £10,000 | — | Branch only to open, with a £10,000 minimum, and interest is paid monthly. |
| Chase UK Accepts with conditions US persons: expect follow-up questions after your tax self-certification FSCS £120,000 · app-only Updated Source: Chase UK, confirming your tax residence, 2026-08-09 | Round-up Account (opens in a new tab) | 5.00% AER | variable | — | — | Needs a Chase current account, and it only collects the rounded-up spare change from your spending. The balance moves to your Chase current or saver account on each anniversary of opening. |
| Flagstone Accepts with conditions US persons: nothing published about US persons either way, so ask before applying FSCS £120,000 per banking group · holding account with HSBC · £10,000 minimum Updated Source: Flagstone help and support, and how it works, 2026-09-18 (opens in a new tab) | Flagstone cash deposit platform (opens in a new tab) | — | — | £10,000 | — | No platform fee. Flagstone takes up to 0.30% of the interest on each savings account you open through it, and the rate shown is the rate you get. Rates depend on the bank and term you choose. |
Also open to US persons, rates not listed here
Confirmed to accept US persons. Either their accounts are not in the table above yet, or the provider does not publish rates at all and agrees them with each customer, so check directly.
- Handelsbanken UK Handelsbanken UK's own site (opens in a new tab) Updated Source: Handelsbanken savings, 2026-08-17
An institution's name opens its page on Momo, with every account checked for it across the site. Account names link to the provider's own site. No link on this page is paid. How Momo makes money.
Who will not take you
Checked and confirmed to refuse US persons, so you can skip the application. The reason matters: some bar US citizenship outright, others require that you are tax resident in the UK and nowhere else.
| Institution | Why | Updated |
|---|---|---|
| AJ Bell Cash savings hub AJ Bell Cash savings hub's own site (opens in a new tab) | AJ Bell's Cash savings hub runs on Raisin UK's platform, and its terms admit only someone who is solely a UK resident for tax purposes. The US taxes its citizens wherever they live, so a US citizen here is tax resident in both countries and cannot give that answer. Source: AJ Bell Cash savings hub terms and conditions, clause 2.1, 2026-09-26 (opens in a new tab) | |
| Aldermore Aldermore's own site (opens in a new tab) | Aldermore requires you to be resident and tax resident only in the UK, and states its accounts cannot be held by US persons, a definition that includes US citizens. That is an explicit bar, not a paperwork step. Source: Aldermore easy access savings terms, 2026-08-17 | |
| Aviva Save Aviva Save's own site (opens in a new tab) | Aviva Save is Raisin UK's marketplace under Aviva's name, and its own eligibility list rules you out in so many words: you can open an account only if you do not have citizenship rights or pay taxes in the US. Source: Aviva Save: who can open an account with Aviva Save, 2026-09-26 (opens in a new tab) | |
| Buckinghamshire Building Society Buckinghamshire Building Society's own site (opens in a new tab) | Condition 5.1 of the general savings terms says the Society opens no account for anyone who has a foreign tax residency, even where they also hold UK tax residence. The application form asks the same thing outright: are you a citizen and tax resident of the UK only, and a no ends the application. US citizenship carries US tax residency wherever you live, so the whole range is closed, from the easy access tracker through the notice accounts to the deposit accounts it runs for pension trustees. Source: Buckinghamshire Building Society general savings terms and conditions, condition 5.1, and the Bucks Easy Access Tracker application form, 2026-09-07 (opens in a new tab) | |
| Marcus by Goldman Sachs Marcus by Goldman Sachs's own site (opens in a new tab) | Marcus declines anyone who is a US tax resident, since it cannot meet the US reporting that would follow, so a US person is turned away at application. Source: Marcus by Goldman Sachs, opening an account, 2026-08-09 | |
| Moneybox Moneybox's own site (opens in a new tab) | Moneybox requires that you are not a US person, defined to include US citizens, dual citizens and anyone who pays tax in the US, and that bar covers its cash savings range rather than the cash ISA alone. Source: Moneybox support, 2026-08-17 | |
| Plum Plum's own site (opens in a new tab) | Plum's terms say you must not be a US citizen, resident or green-card holder, and must not be subject to US taxation; that eligibility clause governs every Plum product. Source: Plum general terms, clause 4.3.3, 2026-08-17 | |
| Raisin UK Raisin UK's own site (opens in a new tab) | Raisin UK requires sole UK tax residency to open its marketplace account, and that account is the gateway to every partner bank on its panel, so the whole platform is closed even where a partner bank would accept you directly. Source: Raisin UK terms and conditions, clause 2.3, 2026-09-26 (opens in a new tab) | |
| Revolut UK Revolut UK's own site (opens in a new tab) | Revolut's Instant Access Savings terms require you to be “a UK tax resident” and “not a US person”, so the savings product is closed to a US citizen even with a Revolut account in good standing. Revolut still opens its current account to US persons. Source: Revolut Instant Access Savings (powered by ClearBank) Terms, 2026-09-18 (opens in a new tab) | |
| Shawbrook Bank Shawbrook Bank's own site (opens in a new tab) | Shawbrook requires applicants to be permanently resident in the UK and liable to pay tax only in the UK, so a second tax residency puts a US person outside its published criteria. Source: Shawbrook Bank, opening an account, 2026-08-17 | |
| Smart Savings from Willis Owen Smart Savings from Willis Owen's own site (opens in a new tab) | Smart Savings is Raisin UK under the Willis Owen name, and registration asks you to confirm two things a US citizen cannot: that you are solely tax resident in the UK, and that you are not a US person as the IRS defines one. Source: Willis Owen Smart Savings registration page, 2026-09-26 (opens in a new tab) | |
| Trading 212 Trading 212's own site (opens in a new tab) | Trading 212 does not offer accounts to US persons, defined to include US citizens, people born in the US, green-card holders and anyone with US tax obligations, and asks you to confirm this at sign-up. Source: Trading 212 help centre, 2026-08-17 | |
| Zopa Zopa's own site (opens in a new tab) | Zopa requires sole UK tax residency and says applicants must not be a US citizen, so it will not open a savings account for a US person. Source: Zopa, 2026-08-09 |
New and changed accounts, monthly.
Providers change who they will take, and nobody tracks it. Momo does. One email a month with what moved, plus the occasional note on tax and money for US citizens in the UK.
How Momo handles your address: privacy policy.
Common questions
Can a US citizen open a UK savings account?
Yes. Savings is one of the most open corners of the UK market for US persons, and building societies in particular open for them. The provider reports the account under FATCA, which is admin rather than a bar.
Is UK savings interest taxable in the US?
Yes. The US taxes its citizens on worldwide income, so UK savings interest is ordinary income on your US return whatever the UK does with it. Where UK tax is paid on the same interest, the foreign tax credit usually offsets the US bill.
Confirm your own position with a
cross-border specialist.
Acceptance policies and tax rules change, and your facts may differ from the
general case. Rates and terms here are the provider's published figures rather
than an offer, and the provider decides each application on its own criteria.
Use this as a map, not a ruling.
Last checked .
Why this is the rule
Findings
Savings platforms
Raisin UK declines US citizens, and so do the three savings platforms it runs under other names: AJ Bell Cash savings hub, Aviva Save and Smart Savings from Willis Owen. Each platform, what powers it and its own eligibility terms, and the route that works instead.
MoreWhere to save
Savings accounts, cash ISAs, Premium Bonds, stocks and shares ISAs and pensions side by side for a US citizen in the UK: who opens each, the UK tax, the US tax and what gets reported.
TaxFATCA
Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. Where it bites is access.
TaxFBAR
If your foreign accounts top $10,000 combined at any point in the year, you file an FBAR. What counts, when it is due, and what happens if you miss it.