Make the most of the best bank accounts in the UK.
Interest rates are what many people consider when looking for a bank account or savings product. But UK banks and fintechs provide other perks and bonuses to win your custom. Make the most of them.
Get perks and boost your savings with best bank accounts in the UK
When it comes to banking, it’s worth shopping around and making the most of the various perks offered by different banks. These perks can range from high interest rates to freebies, cashback rewards, fee-free foreign currency transactions, and bundled insurance products.
As someone who regularly switches banks to take advantage of bank switch offers, I have tried out most banks. In doing so, I’ve sampled the best perks that most banks have to offer. And I like these perks. So, I maintain an account with each bank. I’ve listed the main ones below.
I also got a bit fed up of looking for the highest interest rate accounts to store my savings. So I created a self-updating list that you may find helpful. There might soon be a tool to identify the best bank account for your particular circumstances too (just testing it out at the moment),
Search
Account Type
I Want To Save
Updated
| Account | Interest Rate ▼ | Rate | Type | |
|---|---|---|---|---|
 Principality Building Society 6 Month Regular Saver Issue 5 Max: £200/month | Min: £1/month | Interest reinvested | 7.50% AER Paid at end · Reinvested | Fixed 12 months | Regular Savings 12 month term | 7.50% AER Go to site→More info |
 | 7.10% AER Paid monthly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 7.10% AER Go to site→More info |
 | 7.00% AER Paid at end · Reinvested | Fixed 12 months | Regular Savings 12 month term | 7.00% AER Go to site→More info |
 | 7.00% AER Paid at end · Reinvested | Fixed 12 months | Regular Savings 12 month term | 7.00% AER Go to site→More info |
 | 6.50% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 6.50% AER Go to site→More info |
 | 6.50% AER Paid at end · Reinvested | Fixed 12 months | Regular Savings 12 month term | 6.50% AER Go to site→More info |
 Hanley Economic Building Society 1 Year Online Smart Saver Max: £300/month | Min: £25/month | Interest: your choice | 6.30% AER Paid yearly · Your choice | Fixed 12 months | Regular Savings 12 month term | 6.30% AER Go to site→More info |
 Lloyds Bank Club Lloyds Monthly Saver Max: £400/month | Min: £25/month | Interest reinvested | 6.25% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 6.25% AER Go to site→More info |
 Harpenden Building Society 18-30 Regular Saver (Issue 1) Max: £200/month | Interest reinvested | 6.00% AER Paid at end · Reinvested | Fixed 12 months | Regular Savings 12 month term | 6.00% AER Go to site→More info |
 Monmouthshire Building Society Regular Saver Issue 8 Max: £500/month | Min: £1/month | Interest: your choice | 6.00% AER Paid at end · Your choice | Fixed 12 months | Regular Savings 12 month term | 6.00% AER Go to site→More info |
 West Brom Building Society Winter Ready savings account Max: £100/month | Min: £1/month | Interest reinvested | 6.00% AER Paid at end · Reinvested | Fixed 12 months | Regular Savings 12 month term | 6.00% AER Go to site→More info |
 Vernon Building Society Online Regular Saver Max: £250/month | Min: £25/month | Interest reinvested | 5.75% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.75% AER Go to site→More info |
 | 5.50% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.50% AER Go to site→More info |
 | 5.50% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.50% AER Go to site→More info |
 Manchester Building Society Manchester Regular Saver (Issue 1) Max: £500/month | Interest reinvested | 5.40% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.40% AER Go to site→More info |
| 5.25% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.25% AER Go to site→More info |
 | 5.25% AER Paid monthly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.25% AER Go to site→More info |
 Royal Bank Of Scotland Digital Regular Saver Max: £150/month | Min: £1/month | Interest reinvested | 5.25% AER Paid monthly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.25% AER Go to site→More info |
 | 5.25% AER Paid yearly · Your choice | Fixed 12 months | Regular Savings 12 month term | 5.25% AER Go to site→More info |
 Newcastle Building Society Newcastle Regular Saver (Issue 1) Max: £200/month | Interest reinvested | 5.15% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.15% AER Go to site→More info |
 Chorley Building Society Regular Saver (31.12.2026) Max: £400/month | Min: £25/month | Interest paid out | 5.12% AER Paid at end · Paid out | Fixed 12 months | Regular Savings 12 month term | 5.12% AER Go to site→More info |
Chorley Building Society Regional 2 Year Flexible Saver (31.12.2027) Max: £400/month | Min: £25/month | Interest paid out | 5.10% AER Paid yearly · Paid out | Fixed 12 months | Regular Savings 12 month term | 5.10% AER Go to site→More info |
 | 5.00% AER Paid at end · Reinvested | Fixed 12 months | Regular Savings 12 month term | 5.00% AER Go to site→More info |
 | 5.00% AER Paid at end · Your choice | Fixed 12 months | Regular Savings 12 month term | 5.00% AER Go to site→More info |
 Yorkshire Building Society Christmas Regular eSaver 2026 Max: £150/month | Min: £1/month | Interest: your choice | 5.00% AER Paid at end · Your choice | Fixed 12 months | Regular Savings 12 month term | 5.00% AER Go to site→More info |
 Suffolk Building Society Online Fixed Rate Regular Saver (30.04.2027) Max: £300/month | Min: £10/month | Interest reinvested | 4.90% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 4.90% AER Go to site→More info |
 | 4.80% AER Paid yearly · Your choice | Fixed 12 months | Regular Savings 12 month term | 4.80% AER Go to site→More info |
Newcastle Building Society First Home Regular Saver (Issue 1) Max: £500/month | Interest reinvested | 4.80% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 4.80% AER Go to site→More info |
 Darlington Building Society 12 Month Regular Saver Issue 3 Max: £250/month | Interest: your choice | 4.75% AER Paid at end · Your choice | Fixed 12 months | Regular Savings 12 month term | 4.75% AER Go to site→More info |
 | 4.75% AER Paid at end · Reinvested | Fixed 12 months | Regular Savings 12 month term | 4.75% AER Go to site→More info |
Principality Building Society 1 Year Regular Saver Bond (Issue 37) Max: £250/month | Min: £1/month | Interest reinvested | 4.75% AER Paid yearly · Reinvested | Fixed 12 months | Regular Savings 12 month term | 4.75% AER Go to site→More info |
| 4.70% AER Paid yearly · Your choice | Fixed 12 months | Regular Savings 12 month term | 4.70% AER Go to site→More info |
 | 4.55% AER Paid monthly | Variable Can change | Easy Access Instant access | 4.55% AER Go to site→More info |
| 4.55% AER Paid monthly · Reinvested | Variable Can change | Notice Accounts | 4.55% AER Go to site→More info |
 | 4.50% AER Paid monthly | Variable Can change | Easy Access Instant access | 4.50% AER Go to site→More info |
| 4.50% AER Paid monthly · Reinvested | Variable Can change | Notice Accounts | 4.50% AER Go to site→More info |
| 4.45% AER Paid yearly · Your choice | Fixed 12 months | Regular Savings 12 month term | 4.45% AER Go to site→More info |
 | 4.40% AER Paid monthly | Variable Can change | Cash ISAs (Easy Access) Instant access | 4.40% AER Go to site→More info |
 | 4.39% AER Paid monthly | Variable Can change | Cash ISAs (Easy Access) Instant access | 4.39% AER Go to site→More info |
 | 4.38% AER Paid monthly | Variable Can change | Cash ISAs (Easy Access) Instant access | 4.38% AER Go to site→More info |
 | 4.35% AER Paid yearly · Paid out | Fixed | Fixed Rate Bonds | 4.35% AER Go to site→More info |
 | 4.34% AER Paid at end · Reinvested | Fixed | Fixed Rate Bonds | 4.34% AER Go to site→More info |
 Hampshire Trust Bank 5 Year Online Fixed Saver (Issue 48) Min: £1 | Max: £250,000 | Interest: your choice | 4.34% AER Paid yearly · Your choice | Fixed | Fixed Rate Bonds | 4.34% AER Go to site→More info |
 GB Bank 120 Day Notice Issue 3 Account Min: £1,000 | Max: £100,000 | 120 day notice | Interest reinvested | 4.33% AER Paid yearly · Reinvested | Variable Can change | Notice Accounts 120 days notice | 4.33% AER Go to site→More info |
T thisbank Fixed-Term Savings Account Min: £100 | Max: £500,000 | Interest reinvested | 4.31% AER Paid yearly · Reinvested | Fixed | Fixed Rate Bonds | 4.31% AER -More info |
 | 4.30% AER Paid yearly · Reinvested | Fixed | Fixed Rate Bonds | 4.30% AER Go to site→More info |
 | 4.30% AER Paid yearly · Reinvested | Fixed | Fixed Rate Bonds | 4.30% AER Go to site→More info |
H Hargreaves Lansdown HL Active Savings - HL ISA (powered by Shawbrook) Min: £1 | Interest reinvested | 4.30% AER Paid monthly | Variable Can change | Cash ISAs (Easy Access) Instant access | 4.30% AER -More info |
 The Stafford Building Society Notice 180 Min: £5,000 | Max: £450,000 | 180 day notice | Interest reinvested | 4.26% AER Paid yearly · Reinvested | Variable Can change | Notice Accounts 180 days notice | 4.26% AER Go to site→More info |
The Stafford Building Society Notice 180 - Monthly Interest Min: £5,000 | Max: £450,000 | 180 day notice | Interest paid out | 4.26% AER Paid monthly · Paid out | Variable Can change | Notice Accounts 180 days notice | 4.26% AER Go to site→More info |
Scrimpr's Bank Accounts & Savings Apps
I have a lot of bank accounts and fintech apps. But these are the ones I use most, what I use them for, and why.
Savings
App
Chip
- Market-leading 4.84% interest
- Interest is paid monthly.
- Easy to use app.
- Can only link a single account.
Scrimpr review: Chip is an app-based savings accounts that offers leading easy-access interest rates. You link the app to your bank and can easily transfer money in and out.
Some people don’t like Chip because you can only link a single account. But it is very easy to use, and all savings are protected by the FSCS up to £85k.
Neobank
Kroo Current Account
- 4.72% interest on current account balance.
- Interest paid monthly.
- Zero-fees on spending abroad.
- Real-time activity notifications
Scrimpr review: Kroo is a relatively new app-based bank. But it offers the highest in-credit interest rate of any bank. So Kroo is where any spare money I have goes.
Functionally, Kroo is very similar to Monzo. It’s from a fintech company, and they seem to know what customers want. All savings are protected by the FSCS up to £85k.
Highstreet
Bank
Nationwide FlexPlus Account
- Costs £13 per month.
- Mobile, travel and breakdown cover included.
- Fee-free spending abroad.
- Comes with a old-school card reader
Scrimpr review: I have banked with Nationwide accounts for years. For 9 years, I have had a joint FlexPlus account with my partner. The FlexPlus account costs £13/month (£156/year).
For that price, we both get: 1) mobile phone cover, 2) worldwide travel insurance, and 3) UK/EU breakdown cover. Over the years, we have used the phone insurance and breakdown cover twice, and the travel insurance covered a holiday cancel due to COVID
Neobank
Monzo Current Account
- Easy to use app.
- Fee-free spending abroad.
- 3.7% interest with linked instant access savings.
- Real-time activity notifications.
Scrimpr review: I signed up to Monzo just to get the free fiver. But it is now my main pocket money account, and most of my day-to-day spending is done in this account.
Everyone should have a Monzo account. It’s simple to add money from another bank (via Open Banking). And if you are spending abroad, you get instant notification of how much you have spent in GBP. I cannot recommend Monzo enough.
Neobank
Chase
- 1% cashback on debit card spend (maximum £15/month)
- Fresh, easy to use app.
- 4.1% interest with linked instant access account.
- 1% current account interest, 5% on round ups.
Scrimpr review: Chase burst into UK banking scene with a refer-a-friend promo. I signed up just to get the £20. But I stuck with them for their 1% cashback.
New customers get 1% cashback for a year without any other requirements. But after year 1, customers must deposit £1500 to retain the offer. In addition, chase give 1% interest on your current account balance. And they also have a “round-up” feature that shifts some pennies to a 5% savings account.
Highstreet
Bank
Natwest
- Up to £5 rewards each month (£2 fee).
- Free Natwest Rewards credit card (£2/month without)
- Cashback at linked retailers.
- No fee-free foreign spending.
Scrimpr review: The Reward Current account pays £5 a month pays for having direct debits and checking internet banking. Nothing special, but easy month.
You get £4 in rewards for having two direct debits, and £1 for opening the Natwest app. But the best part is that you get the fee for a Natwest reward credit card refunded. We used this credit card for all of our spending and have earned over £500 from it (it gives 1% cashback at supermarkets!).
Compare Interest Rates on UK Bank Accounts
The rest of this page provides several lists of UK bank accounts. The list of banks came from the Financial Conduct Authority and Which? Then I trawled the internet for data, and made a big database that automatically updates itself. Most of the information comes from MoneyFactsCompare and MoneySavingExpert – it’s just compiled in one place! And it updates itself frequently.
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