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Best savings accounts

Customer Satisfaction
Gold
2026
Consumer Guardian
2026

Newbury Building Society offer a range of savings accounts. You can book a savings appointment in branch, over the phone or via video call. If you don’t need support, you can...

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At Northern Community Bank, saving is 'easy and simple'. There are no account fees, no annual charges, and no need to set up direct debits or standing orders. Whether you’re putting away...

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The Emma personal finance app helps you take control of your money. Using the Emma app, you can build your credit, save more and spend less. It’s a financial membership which...

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Customer Satisfaction
Gold
2026
Consumer Guardian
2026

Vernon Building Society have a range of accounts to choose from. The amount you need to open an account varies, but you can get started with as little as £25 depending...

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At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.

We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.

It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.

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2026 Winner
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Zopa offer fixed term savings accounts so you can put away a lump sum for one to five years and know exactly what interest rate you’ll get. You can start saving...

You can start saving with OakNorth with just £1. There’s a range of OakNorth savings accounts to choose from including easy access and notice accounts. You can apply and manage your...

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Close Brothers Savings have a range of accounts to choose from. You can set up and manage your Close Brothers Savings account online via the secure platform. You’ll need to deposit...

Customer Satisfaction
Gold
2026
Consumer Guardian
2026

There’s a range of savings accounts to choose from at Darlington Building Society. Savings account options include fixed rate bonds, easy access and notice accounts. Darlington Building Society savings reviews help you...

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Customer Satisfaction
Commended
2025
Consumer Guardian
2025

Ecology Building Society have savings accounts that can be opened with just £10. When you save with Ecology Building Society, your money helps bring affordable, eco-friendly homes to life and supports...

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Customer Satisfaction
Gold
2026

Dudley Building Society have a range of savings accounts to choose from. The amount you need to open an account varies depending on which one you choose. Dudley Building Society offer...

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Frequently asked questions

What is a savings account?

A savings account is a type of bank account where you set aside money you don't need for everyday spending. Savings accounts help you save money for short-term and long-term goals whether it's for holidays, a wedding or an emergency fund. You'll also earn interest on your savings to help your money grow over time.

How many savings accounts can you have?

You can have as many savings accounts as you like, but you should make sure you can manage all the accounts you have. You could set up separate savings accounts to create individual funds and save for different financial goals. It's best to compare savings accounts to find the best interest rates and offers.

How does interest work on a savings account?

Savings interest is the extra money you earn on the balance of your savings account. Your provider calculates interest based on how much you've saved and pays it into your account on a monthly or yearly basis. Interest rates vary between providers products, so it's worth comparing accounts to find the best option.

What is the best savings account rate right now?

Savings account rates change regularly in line with the Bank of England base rate. Our rankings are updated based on real customer reviews, so you can see which providers are consistently rated highly for rate and service. For the latest best buy rates, use our comparison tables above.

What’s the difference between an easy-access and a fixed-rate savings account?

An easy-access savings account lets you withdraw your money whenever you want, with no penalty. A fixed-rate account (sometimes called a savings bond) locks your money away for a set period - usually one to five years - in exchange for a higher interest rate. Fixed-rate accounts are better if you won’t need access to your money; easy-access accounts suit people who want flexibility.

What is a regular savings account?

A regular savings account requires you to deposit a fixed amount every month, usually between £25 and £500. In return, they often offer some of the highest interest rates available on any savings product. They typically last for 12 months and may have restrictions on withdrawals.

Best savings accounts

Our rankings of the best savings accounts are based on real customer experiences, helping you compare savings account rates and providers quickly and easily. Whether you’re looking for the best regular savings account, an easy-access option or the top savings account interest rates, you can find the right account for your needs based on genuine customer satisfaction.