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Best Savings Accounts 2026
Independent, unbiased comparisons of the UK’s best savings accounts — rates, features, and FSCS protection explained.
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OakNorth
Account typeNotice TrackerTerm95 daysAER – Variable4.21% AER (variable) — tracks Bank of England base rateMin. depositOpen from £1WithdrawalsUnlimited withdrawals with 95 days’ notice requiredThe OakNorth Notice Tracker offers a variable interest rate that moves in line with the Bank of England base rate. Access your funds whenever you need them — just give 95 days’ notice.
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OakNorth
Account typeFixed TermTermFrom 6 Months to 5 YearsAER – VariableFrom 3.25% to 4.55% AERMin. depositOpen from £1WithdrawalsAt maturityWith an OakNorth Fixed Term Deposit, the rate you start with is the rate you finish with fixed for your chosen term regardless of what happens to interest rates in the meantime.
- 4.55% AER fixed for 24 months – Fixed term accounts available from 6 to 60-month terms
- Reinvestment bonus of up to 0.10% AER may be available at maturity (subject to prevailing
offers at that time). - Open from £1, up to £500,000 per account
- Joint accounts available
- Eligible deposits protected up to £120,000 by the FSCS
No withdrawals during the term. Only deposit money you won’t need before maturity.
Rates fixed and correct as of 16 April 2026. Verify at oaknorth.co.uk before applying. UK residents only. T&Cs apply. Interest paid at maturity. AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
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Hargreaves Lansdown – Get Up to £750 Cashback. New Customers Only. Min. £10k Deposit. Offer Ends 30 July
Account typeActive Savings AccountTermFrom Easy Access to 36 Month Fixed RateAER – VariableEasy access up to 3.95% AER (variable), fixed up to 4.61% AER.Min. depositOpen from £1WithdrawalsEasy Access: Withdraw anytime. Fixed Rate: Withdraw at term end.Pick, mix and switch between rates from more than 30 banks.Hargreaves Lansdown’s Active Savings account lets you access competitive rates from a panel of banks and building societies through a single account. Easy access rates reach up to 3.95% AER (variable), with fixed-term rates up to 4.61% AER. All partner banks are FSCS protected, and you can compare and switch between rates in minutes.
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Plum
Account typeEasy Access Saving PocketTermAccess anytimeAER – Variable3.05% – 3.65% AER variableMin. depositOpen from £1WithdrawalsWithdraw AnytimePlum’s Easy Access Savings Account pays between 3.05% and 3.85% AER (variable) depending on your subscription tier, with no lock-in and no notice period. Start with as little as £1, access your money the same day, and switch between rates in minutes. Deposits are FSCS protected up to £120,000, provided by Lloyds Bank PLC.
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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