Best Savings Accounts 2025
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From Easy Access to 18 Month Fixed RateUp to 4.20% AER – 4.12% GrossOpen from £1FSCS ProtectionYes -
Easy access – next working day withdrawalsEarn 3.70% AER (variable).Minimum initial deposit £5,000FSCS ProtectionYes -
Chip Instant Access Account4.80% AER (variable tracker) for 3 months, then 2.74% AEROpen from £1, deposit and withdraw almost instantlyFSCS ProtectionYesAvailable only on the Chip app – download now!
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Chip Easy Access Account4.07% AER for 12 MonthOpen from £1, three penalty-free withdrawals in a 12 month period.FSCS ProtectionYesAvailable only on the Chip app – download now!
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Easy Access Saving PocketFrom 3.20% to 3.84% AER (variable)Open from £1, wthdraw anytimeFSCS ProtectionYes -
From Instant Access to 12 Month Fixed termUp to 4.51% AER – 4.51% GrossMinimum deposit £10,000FSCS ProtectionYes
Hargreaves Lansdown Active Savings
Hargreaves Lansdown’s Active Savings lets you compare and switch between savings rates from over 30 banks in minutes, all managed through one online account. The platform offers both easy access and fixed term options with no annual charges to customers.
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Sidekick Money
Sidekick Money gives you smarter ways to make your cash work harder, with a range of savings options backed by trusted UK partner banks. Whether you need flexibility, fixed returns, or smarter cash management, Sidekick has you covered:
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Chip – smart savings made simple
Chip helps you save effortlessly with autosaving technology and access to market-leading interest rates. From boosted instant access to easy access accounts, plus a Cash ISA, you can grow your savings with FSCS protection and full flexibility – all managed through the Chip app.
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Download the Chip app today and start saving smarter.
Plum Easy Access Savings Pocket
Plum’s Easy Access Savings Pocket helps you grow your savings with flexible, FSCS-protected accounts, all managed through the Plum app. Depending on your plan, you can earn 3.20% AER (Free Plan – Basic & Plus), 3.40% AER (Boost), or 3.84% AER (Max), with interest calculated daily and paid monthly. Open an account in under 5 minutes, set multiple savings pockets for different goals, and withdraw anytime with no fees.
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Flagstone – the leading cash deposit platform
Flagstone connects you to over 60 banks and building societies through one simple platform, making it easy to find competitive savings rates without opening multiple accounts. The service provides FSCS protection up to £85,000 per bank and offers a clear view of all your savings in one place.
The main drawback is the £10,000 minimum investment requirement, which may not suit all savers.
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