Founder & Editor-in-Chief, Tom Townson
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Savings: Which option is right for me?

Cut through the noise and find a personal loan that suits your circumstances

Tom Townson, Founder of Family Money Expert

Tom Townson

Dad of two and Founder of Family Money Expert

Last updated: 20/02/2026

In this guide

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Saving Options

*Nice overview abut the different adult and children’s savings*

Adult Saving Options

*Nice overview abut the different types of saving options*

Cash ISAs

*Nice overview abut the different types of Cash ISAs*

*Nice overview about the different types Easy Access Top Paying Cash ISAs*

Top Paying Easy Access ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? Interest paid Felxible ISA? Account notes Apply
Trading 212 4.4%

made up of 3.6% variable + 1 year 0.8% bonus 		Yes

Lower 3.6% on transfers of previous years’ deposits 		£1 Online and App Monthly Yes Lower rate of 3.6% on transfers of previous years’ deposits

New customers only

Bonus rate goes after one year
Moneybox 4.32%

made up of 3.45% variable + 1 year 0.87% bonus 		Yes £500 Online and App Monthly No Rate falls to 0.75% after 3 withdrawals per year

Bonus rate goes after one year
Plum 4.3%

made up of 2.54% variable + 1 year 1.76% bonus 		Yes

However, no bonus rate on transfers in 		£1 App Monthly and annually No Bonus rate goes after one year

No bonus on transfers in
Cynergy Bank 4.1% Yes

At application 		£1 Online Annually No Transfers in are only allowed at application
All rates are AER variable.

*Nice overview about the different types Easy Access Household name Cash ISAs*

Top Household Name Easy Access ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? Interest paid Felxible ISA? Account notes Apply
Leeds Building Society* 3.96% Yes £1,000 Online Annually No Account lasts 2 yearsrs (rate is variable, so can change)
Bank of Ireland UK 3.95%

made up of 0.9% variable + 1 year 3.05% bonus 		Yes £100 Online Monthly No Bonus rate goes after one year
Skipton Building Society* 3.92%

made up of 2.05% variable + 1 year 1.87% bonus 		Yes £1 App Monthly and annually Yes Bonus rate goes after one year
Tesco Bank 3.91%

made up of 1.05% variable + 1 year 2.86% bonus 		Yes £1 Online and phone Annually Yes Bonus rate goes after one year
All rates are AER variable.

*Nice overview about the different types one-year fixed Cash ISAs*

Top one-year fixed ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? When can I access interest? Penalty to withdraw? Apply
Top paying accounts. Listed in rate order.
Tandem Bank 4.15% Yes £1 App At maturity 90 days' interest
Tembi via Investec 4.14% Yes

At application 		£500 App At maturity 90 days' interest
Investec 4.14% No £1,000 Online At maturity 90 days' interest
Hodge Bank 4.11% No £1,000 Online Monthly or at maturity 90 days' interest
Top rates from big names. As we know some prefer to save with bigger brands.
Co-op Bank 3.81% Yes £5,000 Online/ post/ branch At maturity 90 days' interest
All rates are AER variable.

*Nice overview about the different types two year fixed ISAs*

Top two-year fixed ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? When can I access interest? Penalty to withdraw? Apply
Top paying accounts. Listed in rate order.
Tandem Bank 4.11% Yes £1 App At maturity 180 days' interest
Cynergy Bank 4.1% Yes

At application 		£500 Online At maturity 180 days' interest
Close Brothers 4.1% Yes £10,000 Online At maturity 150 days' interest
UBL UK 4.05% Yes £2,000 Online / app / post / branch Monthly, annually or at maturity 180 days' interest
(no partial withdrawals, must withdraw all funds)
Top rates from big names. As we know some prefer to save with bigger brands.
Co-op Bank 3.81% Yes £5,000 Online/ post/ branch Annually or at maturity 120 days' interest
All rates are AER variable.

*Nice overview about the different types of three year fixed ISAs*

Top three-year fixed ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? When can I access interest? Penalty to withdraw? Apply
Top paying accounts. Listed in rate order.
Tandem Bank 4.15% Yes £1 App At maturity 270 days' interest
Cynergy Bank 4.15% Yes

At application 		£500 Online At maturity 180 days' interest
Aldermore 4.15% Yes

At application 		£1,000 Online Monthly, annually or at maturity 180 days' interest
Top rates from big names. As we know some prefer to save with bigger brands.
Nationwide 3.8% Yes £1 Online/ app/ branch Annually or at maturity 180 days' interest
All rates are AER variable.

*Nice overview about the different types of five year fixed cash ISAa*

Top five-year fixed ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? When can I access interest? Penalty to withdraw? Apply
Top paying accounts. Listed in rate order.
Hampshire Trust Bank 4.22% Yes £1 Online Annually or at maturity 450 days’ interest
Castle Trust Bank 4.22% Yes

At application 		£1,000 Online / app At maturity 360 days' interest
Close Brothers 4.21% Yes £10,000 Online At maturity 365 days' interest
UBL UK 4.13% Yes

At application 		£2,000 Online / app / post / branch Monthly, quarterly, annually or at maturity 365 days' interest
(no partial withdrawals, must withdraw all funds)
Top rates from big names. As we know some prefer to save with bigger brands.
Nationwide 4.00% Yes £1 Online / app / branch Annually or at maturity 300 days' interest
All rates are AER variable.

Lifetime ISAs

*Nice overview abut the different types of Lifetime ISAs*

*Nice overview about the different types of Cash Lifetime ISAs*

Top Cash LISAs
All have the full £120,000 savings protection.
Provider Rate (AER variable) Transfer in How to open and manage? When is interest paid? Max FSCS protection Apply
Moneybox 4.1% Yes

If you've not had a Moneybox LISA before. 		App Monthly (1) £120,000, shared with various banks
Plum 4.00% Yes

Transfers allowed from existing LISAs only. 		App Monthly (1) £120,000, shared with Lloyds Bank and Citibank
Tembo 3.80% Yes

Transfers allowed from existing LISAs only. 		App Monthly £120,000, shared with various banks
Paragon Bank 3.51% Yes

Transfers allowed from existing LISAs only. 		Online Annually £120,000
Bath Building Society 2.60% No Online / branch Annually £120,000
Skipton Building Society* 2.05% Yes Online Annually £120,000
(1) Interest from the bonus portion of the rates are paid after a year.

*Nice overview about the different types S&S LISAs DIY*

DIY LISA platforms
Provider Minimum Deposit Management fee Fee to buy/sell funds Fee to buy/sell shares (1) How to manage Apply
Dodl* £100 or £25 per month 0.15% per year (min £1/month),
No fee for first 12 months if you open/fund with £1,000+ by 30 April 		None None App
AJ Bell £250 or £25 per month 0.25% per year (£3.50/month max for shares) £1.50 £5 Online / app
Hargreaves Lansdown* £100 or £25 per month 0.25% per year (£45/yearr max for shares) None £11.95 Online / app
(1) Fees based on up to 10 trades of UK shares per month, both providers offer discounted rates for more frequent trades. You can trade overseas shares but expect to pay a currency exchange fee of up to 1%.

*Nice overview about the different types of Stocks & Shares Lifetime ISA simpler Platforms*

DIY LISA platforms
Provider Minimum Deposit Management fee Average fund costs (incl. market spread) How to manage Apply
JPMorgan Personal Investing £100 tiered: 0.45% to 0.75% per year 0.2% to 0.43% per year App
Moneybox £1 £1/month (free for first three months) + 0.45% per year 0.07% to 0.69% per year Online / app
Last updated: 20 January 2026.

Saving Accounts (Non-ISA)

*Nice overview abut the different types of Saving Accounts (Non-ISA)​*

*Nice overview about the different types Easy Access non-ISAs*

*Nice overview about the different types Easy Access Top Paying non-ISAs*

Top Paying Savings Accounts
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Account notes Apply
Chase 4.5%

made up of 2.25% variable + 12 month 2.25% bonus 		Min:£1
Max:£3,000,000 		App

Must open within 31 days of opening a Chase Current Account. 		Monthly No
New customers only

Bonus rate goes after one year
DF Capital 4.20% Min:£1,000
Max:£250,000 		Online Monthly No
West Brom Building Society, 4.15% Min:£1,000
Max:£500,000 		Online Monthly or annually No
Rate drops to 1.4% after four withdrawals

Account lasts 1yr (rate is variable so could change)
Nottingham Building Society 4.14% Min:£1,000
Max:£750,000 		Online Annually No Bonus rate goes after one year
All rates are AER variable.

*Nice overview about the different types Easy Access householdname non ISAs*

Top Rate Household Name Savings Accounts
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Account notes Apply
Virgin Money 4.15% Min:£1,000
Max:£250,000 		Online Monthly or annually Yes Limits withdrawals to 2 per year
AA 4.05%

made up of 1.7% variable + 1 year 2.35% bonus 		Min:£1,000
Max:£1,000,000 		Online Monthly No Bonus rate goes after one year
Cahoot (part of Santander) 4.05% Min:£1,000
Max:£500,000 		Online Monthly or annually Yes Account lasts 1yr (rate is variable so could change)
Saga 4.00%

made up of 2.75% variable + 1 year 1.25% bonus 		Min:£1,000
Max:£1,000,000 		Online Monthly No Bonus rate goes after one year
All rates are AER variable.

*Nice overview about the different types Easy Access non-standard non-ISAs*

Top Rate Non-standard Savings Accounts
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Account notes Apply
Santander Edge 6.00% Min:£1
Max:£4,000 		Online / app / branch Monthly No Requires the Santander Edge current account which charges £3 per month see full review
Cahoot (part of Santander) 5.00% Min:£1
Max:£3,000 		Online Monthly or annually Yes
Sidekick '3.73%' (effective 1yr rate)

Headline rate: '4.23%' (3.23% variable + 6mth 1% newbie bonus) 		Min:£10,000
Max:£120,000

(no bonus on larger deposits) 		App Monthly No Withdrawals next working day
Monument Bank 4.16%

made up of 3.52% variable + 12 month 0.64% bonus 		Min:£25,000
Max:£2,000,000 		App Monthly No Bonus rate goes after one year

Requires a minimum of £25,000
All rates are AER variable.

*Nice overview about the different types Fixed Term Accounts*

*Nice overview about the different types Fixes less than one year*

*Nice overview about the different types for shorter term fixes*

Fixes less than a year
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
Oxbury Bank 4.16% Min:£1,000
Max:£500,000 		Online/ app (need app to manage) At maturity No 6 months
Oxbury Bank 4.15% Min:£1,000
Max:£500,000 		Online/ app (need app to manage) At maturity No 6 months
United Trust Bank 4.12% Min:£5,000
Max:£1,000,000 		Online At maturity Yes 120 days
All rates are AER variable.

*Nice overview about the different types Rates from a savings marketplace*

Fixes less than a year rates above via a savings marketplace
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
AlRayan via Prosper - for new customers only 4.40% Min:£1,000
Max:£1,000,000 		App At maturity No 1 year
All rates are AER variable.

*Nice overview about the different types of One year fixes*

*Nice overview about the different types of standard one year fixes*

One-year fixes
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
DF Capital 4.25% Min:£1,000
Max:£250,000 		Online At maturity No 1 year
OakNorth Bank 4.23% Min:£1,000
Max:£500,000 		Online / app (joint accounts online only) At maturity Yes 1 year
Union Bank of India* 4.23% Min:£5,000
Max:£340,000 		Online At maturity Yes 1 year
UBL UK 4.21% Min:£2,000
Max:£1,000,000 		Online / app / post / branch Monthly or at maturity Yes 1 year
All rates are AER variable.

*Nice overview about the different types of standard one year fixes from established names*

One-year fixes from Established Names
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
MBNA (part of Lloyds Banking Group) 4.12% Min:£1,000
Max:£750,000 		Online
(manage via phone only) 		At maturity No 1 year
NS&I 4.07% Min:£1,000
Max:£1,000,000 		Online Monthly (paid away) or annually (paid into the account) Yes 1 year
All rates are AER variable.

*Nice overview about the different types Rates from a savings marketplace*

One-year fixes via a savings marketplace
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
AlRayan via Prosper - for new customers only 4.40% Min:£1,000
Max:£1,000,000 		App At maturity No 1 year
All rates are AER variable.

*Nice overview about the different types of Two year fixes*

*Nice overview about the different types of standard two year fixes*

One-year fixes
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
DF Capital 4.25% Min:£1,000
Max:£250,000 		Online At maturity No 1 year
OakNorth Bank 4.23% Min:£1,000
Max:£500,000 		Online / app (joint accounts online only) At maturity Yes 1 year
Union Bank of India* 4.23% Min:£5,000
Max:£340,000 		Online At maturity Yes 1 year
UBL UK 4.21% Min:£2,000
Max:£1,000,000 		Online / app / post / branch Monthly or at maturity Yes 1 year
All rates are AER variable.

*Nice overview about the different types of standard two year fixes from established names*

One-year fixes from Established Names
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
MBNA (part of Lloyds Banking Group) 4.12% Min:£1,000
Max:£750,000 		Online
(manage via phone only) 		At maturity No 1 year
NS&I 4.07% Min:£1,000
Max:£1,000,000 		Online Monthly (paid away) or annually (paid into the account) Yes 1 year
All rates are AER variable.

*Nice overview about the different types Rates from a savings marketplace*

One-year fixes via a savings marketplace
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
AlRayan via Prosper - for new customers only 4.40% Min:£1,000
Max:£1,000,000 		App At maturity No 1 year
All rates are AER variable.

*Nice overview about the different types of Three year fixes*

*Nice overview about the different types of standard three year fixes*

One-year fixes
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
DF Capital 4.25% Min:£1,000
Max:£250,000 		Online At maturity No 1 year
OakNorth Bank 4.23% Min:£1,000
Max:£500,000 		Online / app (joint accounts online only) At maturity Yes 1 year
Union Bank of India* 4.23% Min:£5,000
Max:£340,000 		Online At maturity Yes 1 year
UBL UK 4.21% Min:£2,000
Max:£1,000,000 		Online / app / post / branch Monthly or at maturity Yes 1 year
All rates are AER variable.

*Nice overview about the different types of standard three year fixes from established names*

One-year fixes from Established Names
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
MBNA (part of Lloyds Banking Group) 4.12% Min:£1,000
Max:£750,000 		Online
(manage via phone only) 		At maturity No 1 year
NS&I 4.07% Min:£1,000
Max:£1,000,000 		Online Monthly (paid away) or annually (paid into the account) Yes 1 year
All rates are AER variable.

*Nice overview about the different types Rates from a savings marketplace*

One-year fixes via a savings marketplace
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
AlRayan via Prosper - for new customers only 4.40% Min:£1,000
Max:£1,000,000 		App At maturity No 1 year
All rates are AER variable.

*Nice overview about the different types of Five year fixes*

*Nice overview about the different types of standard five year fixes*

One-year fixes
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
DF Capital 4.25% Min:£1,000
Max:£250,000 		Online At maturity No 1 year
OakNorth Bank 4.23% Min:£1,000
Max:£500,000 		Online / app (joint accounts online only) At maturity Yes 1 year
Union Bank of India* 4.23% Min:£5,000
Max:£340,000 		Online At maturity Yes 1 year
UBL UK 4.21% Min:£2,000
Max:£1,000,000 		Online / app / post / branch Monthly or at maturity Yes 1 year
All rates are AER variable.

*Nice overview about the different types of standard fiveyear fixes from established names*

One-year fixes from Established Names
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
MBNA (part of Lloyds Banking Group) 4.12% Min:£1,000
Max:£750,000 		Online
(manage via phone only) 		At maturity No 1 year
NS&I 4.07% Min:£1,000
Max:£1,000,000 		Online Monthly (paid away) or annually (paid into the account) Yes 1 year
All rates are AER variable.

*Nice overview about the different types Rates from a savings marketplace*

One-year fixes via a savings marketplace
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Period Apply
AlRayan via Prosper - for new customers only 4.40% Min:£1,000
Max:£1,000,000 		App At maturity No 1 year
All rates are AER variable.

*Nice overview about the different types Notice Accounts*

Top notice savings accounts
All have the full £120,000 savings protection.
Provider Rate - AER Minimum & Maximum How to open? Interest paid Joint Accounts? Notice Apply
GB Bank 4.33% Min:£1,000
Max:£100,000 		Online Monthly or annually, paid into the account Yes 120 days
OakNorth Bank 4.23%

(tracks 0.48% above Bank of England base rate) 		Min:£1
Max:£500,000 		Online / app Monthly, paid into the account No 95 days
All rates are AER variable.

Regular savers

*Nice overview abut the different types of Regular Savers*

*Nice overview about the different types of existing customer regular savers*

Existing-customer regular savers
All have the full £120,000 savings protection.
Provider Rate - AER Fixed/Variable Period Max monthly deposit Max monthly deposit Can you skip months? Penalty-free withdrawals allowed? Account notes How to open Apply
Zopa 7.10% Variable 6 months £300 £36 Yes Yes Need a Zopa 'Biscuit' current account App
First Direct 7.00% Fixed 1 year £300 £135 No, min £25 permonth No. If you close early you only get 1.75% interest for the time the money was in the account Heavy penalties for withdrawing cash early Online / app
Co-operative Bank 7.00% Variable 1 year £250 £113 Yes Yes Online / branch
Virgin Money 6.50% Fixed 1 year £250 £105 Yes Yes Online / branch
Nationwide 6.50% Variable 1 year £200 £84 Yes Yes, three per year Online / app
Lloyds Bank 6.25% Fixed 1 year £400 £161 Yes Yes Need a Club Lloyds account Online/ app/ branch/ phone
Skipton BS 5.75% Variable

Tracks 2% above Bank of England base rate 		1 year £250 £93 Yes Yes No, but early closure permitted Online/ app/ branch/ phone/ post
All rates are AER variable.

*Nice overview about the different types of regular savers open to all*

Regular savers open to al
All have the full £120,000 savings protection.
Provider Rate - AER Fixed/Variable Period Max monthly deposit Max monthly deposit Can you skip months? Penalty-free withdrawals allowed? Account notes How to open Apply
Principality Building Society 7.50% Fixed 6 months £200 £26 Yes No, but early closure permitted Online/ branch
Monmouthshire Building Society 6.00% Variable 1 year £500 £193 Yes Yes Not available to residents of Northern Ireland App/ Branch
Scottish Building Society 6.00% Variable 1 year £250 £93 Yes Yes Must keep a minimum of £50 in the account Post/ branch
Skipton Building Society 5.25% Variable

Tracks 1.5% above Bank of England base rate 		1 year £200 £68 No No, but early closure permitted Online/ app/ phone/ post/ branch
Newcastle Building Society 5.15% Variable 1 year £200 £68 Yes Yes, three per year Online/ branch
All rates are AER variable.

*Nice overview abut the different types of Supermarket savings schemes*

Top supermarket savings schemes
Provider Max bonus Max bonus as a % of deposit Pay in deadline Bonus paid date Bonus Expiry Further information
Tesco's Christmas Savers Scheme £12 6%

£12 bonus for saving £200 		11:59pm on 25th Oct 2026 November 2026 Three months after issue date Get up to £12 when you save £200+. You get tiered cashback depending on what you save, from £1.50 for saving £25-£49, up to £12 for saving £200+. You can top up your account online via the Tesco app or the Clubcard website.
Asda's Christmas Savings Card £15 5.35%

£15 bonus for saving £280 		5pm on 15 November 2026 9am on 16 November 2026 Two years from the date of your last transaction Get up to £15 when you save £280+. You get tiered cashback depending on what you save, from £1 for saving £30-£79, up to £15 for saving £280+. You can get a card in-store or online, and top it up in both places too.
Iceland's Bonus Club £20 6%

£1 back for each £20 saved 		No cut off Within 48 hours Never Get £1 back for each £20 saved. You can get a physical card in store, or a digital card online or via its mobile app, and top it up in store or online.
Sainsbury's Christmas Club Card £25 5%

£12 bonus for saving £200 		You need to have paid in at least £50 before 01 Nov 2026

The rest by 11:59pm on 01th Nov 2026 		End of November The date printed on the card (around mid-Jan) Get up to £25 when you save £500+. Here you get £2.50 back on every £50 saved. You can activate and save onto the card at Sainsbury's in-store checkouts and self-service tills (but not online), and it can be used both in-store and online at Sainsbury's and Argos. You must register your card to manage it online.
Co-op's Christmas Stamps Scheme No max 4.16%

£2 back for each £48 saved – in-store only. 		No cut off Must redeem in Dec Never expires but use within three years to maintain Co-op's trust protection. Get £2 back for each £48 saved – in-store only. You must collect a paper stamp book in store and complete it by buying 48 £1 stamps. Do this and you get £50 off your shopping bill if you redeem it during December – a £2 bonus. The scheme runs year-round, so you can buy stamps at any point.
We've ranked these schemes by the percentage return on money deposited.

*Nice overview abut the different types of Autosaving apps*

Top supermarket savings schemes
(ordered by interest rate, then number of features)
Provider Interest rate
(AER variable) 		Features Fees Account Information Max FSCS protection
Chase 5.00%
  • Round-ups
 Fee-free The saved amount gets moved to another account (of your choice) each year £120,000, shared with JPMorgan
Chip's 'easy-access' account 4.07%
  • Autosave
 45p per save The charge per save can quickly eat into the interest earned £120,000 via ClearBank
Plum 3.2%
  • Autosave
  • Round-ups
 Fee-free Interest is paid on easy-access 'interest pockets' £120,000, shared with Investec
Monzo 3.0%
  • Round-ups
 Fee-free Additional interest is available with Monzo's partner banks via the app £120,000
Important. The Financial Services Compensation Scheme protection listed is for the interest-paying accounts stated above. Money deposited outside of these may not be covered, or the protection provided by or shared with a different bank. For example, money you deposit in Plum is instead ring-fenced in a different bank account (it uses the Bank of England), so if there are problems with Plum, your money's safe. This would be the case in this scenario as long as the bank itself still existed.

*Nice overview abut Premium Bonds*

What you'll win over a year with average luck, based on the 3.6% rate
Amount saved in bonds Median average winnings Equivalent prize rate
£100 Nothing 0%
£1,000 Nothing 0%
£10,000 £300 3%
£25,000 £775 3.1%
£50,000 £1,600 3.2%

Children's Saving Options

*Nice overview abut the different types of saving options*

Junior ISAs

*Nice overview abut the different types of Cash ISAs*

Top Paying Easy Access ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? Interest paid Felxible ISA? Account notes Apply
Trading 212 4.4%

made up of 3.6% variable + 1 year 0.8% bonus 		Yes

Lower 3.6% on transfers of previous years’ deposits 		£1 Online and App Monthly Yes Lower rate of 3.6% on transfers of previous years’ deposits

New customers only

Bonus rate goes after one year
Moneybox 4.32%

made up of 3.45% variable + 1 year 0.87% bonus 		Yes £500 Online and App Monthly No Rate falls to 0.75% after 3 withdrawals per year

Bonus rate goes after one year
Plum 4.3%

made up of 2.54% variable + 1 year 1.76% bonus 		Yes

However, no bonus rate on transfers in 		£1 App Monthly and annually No Bonus rate goes after one year

No bonus on transfers in
Cynergy Bank 4.1% Yes

At application 		£1 Online Annually No Transfers in are only allowed at application
All rates are AER variable.

Children's Regular Savers

*Nice overview abut the different types of Children’s Regular Savers*

Top Paying Easy Access ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? Interest paid Felxible ISA? Account notes Apply
Trading 212 4.4%

made up of 3.6% variable + 1 year 0.8% bonus 		Yes

Lower 3.6% on transfers of previous years’ deposits 		£1 Online and App Monthly Yes Lower rate of 3.6% on transfers of previous years’ deposits

New customers only

Bonus rate goes after one year
Moneybox 4.32%

made up of 3.45% variable + 1 year 0.87% bonus 		Yes £500 Online and App Monthly No Rate falls to 0.75% after 3 withdrawals per year

Bonus rate goes after one year
Plum 4.3%

made up of 2.54% variable + 1 year 1.76% bonus 		Yes

However, no bonus rate on transfers in 		£1 App Monthly and annually No Bonus rate goes after one year

No bonus on transfers in
Cynergy Bank 4.1% Yes

At application 		£1 Online Annually No Transfers in are only allowed at application
All rates are AER variable.

Saving Accounts (Non-ISA)

*Nice overview abut the different types of Saving Accounts (Non-ISA)​*

Top Paying Easy Access ISAs
All have the full £120,000 savings protection.
Provider Rate - AER Transfer in Minimum Deposit How to open? Interest paid Felxible ISA? Account notes Apply
Trading 212 4.4%

made up of 3.6% variable + 1 year 0.8% bonus 		Yes

Lower 3.6% on transfers of previous years’ deposits 		£1 Online and App Monthly Yes Lower rate of 3.6% on transfers of previous years’ deposits

New customers only

Bonus rate goes after one year
Moneybox 4.32%

made up of 3.45% variable + 1 year 0.87% bonus 		Yes £500 Online and App Monthly No Rate falls to 0.75% after 3 withdrawals per year

Bonus rate goes after one year
Plum 4.3%

made up of 2.54% variable + 1 year 1.76% bonus 		Yes

However, no bonus rate on transfers in 		£1 App Monthly and annually No Bonus rate goes after one year

No bonus on transfers in
Cynergy Bank 4.1% Yes

At application 		£1 Online Annually No Transfers in are only allowed at application
All rates are AER variable.

*Nice overview abut Premium Bonds*

What you'll win over a year with average luck, based on the 3.6% rate
Amount saved in bonds Median average winnings Equivalent prize rate
£100 Nothing 0%
£1,000 Nothing 0%
£10,000 £300 3%
£25,000 £775 3.1%
£50,000 £1,600 3.2%
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