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Best savings accounts

Moneybox offer a range of savings accounts. The Moneybox Simple Saver account can be opened with £1 and you can make withdrawals with one day notice. Moneybox also offer a...

With the first direct regular saver account, you can save between £25 and £300 per month up to £3,600 per year. The first direct regular saver is available to first direct...

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Clockwise Credit Union offer different saving accounts. The Instant Access Savings Account has no limit on deposits and withdrawals and is an easy way to save. The Cash ISA allows you...

Manchester Credit Union have a range of savings accounts for members. A Regular Savings Account is opened automatically when you join Manchester Credit Union. Savings must be made on a...

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.

Wave Community Bank have a range of ethical savings accounts. With Wave Community Bank, you can save between £1 and £85,000. Pay direct from your pay packet on one of...

Using the Raisin app, you can set up and manage your savings. You can view and compare savings accounts from more than 30 partner banks and building societies. The app also...

Customer Satisfaction
Gold
2026
Consumer Guardian
2026

Bath Building Society are an award-winning savings account provider. Bath Building Society have a range of savings accounts including instant access, regular saver, notice accounts, fixed rate accounts and payroll savings. Bath...

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Tandem have an Instant Access Saver account for flexibility, or you can put your savings into a Fixed Saver account. You can open, track and manage your savings account inside the...

Customer Satisfaction
Gold
2026
Consumer Guardian
2026

Mansfield Building Society have been offering savings accounts for over 150 years. Accounts can be opened through the branch network, by post or online. Some accounts have a minimum deposit amount...

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Boom Community Bank offer instant access savings for individuals, charities, organisations and businesses looking to make a local impact. Boom Community Bank savings accounts can be managed using the app. To...

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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.