I want to save regularly
Savings and ISAs
How we’re better for savers
Whatever your savings goals - we’ll help you reach them. From regular savers to fixed term bonds and ISAs, supported by our award winning service, we’re here for you every step of the way.
Savings and ISAs
How we’re better for savers
Whatever your savings goals - we’ll help you reach them. From regular savers to fixed term bonds and ISAs, supported by our award winning service, we’re here for you every step of the way.
Our charity partners - Centrepoint
We're honoured to support Centrepoint, the charity aiming to end youth homelessness in the UK. As part of our partnership we'll donate £5* to Centrepoint each time you open an account with us until 19 December 2024. Terms apply.
*Subject to a balance of at least £100 in your account on 31 December 2024.
Savings accounts to suit you
Whatever you're saving for
I want to save a large sum
Earn higher interest for savings you don’t need access to
Put money aside each month and watch your savings grow
I want to save tax-free
Use your allowance of £20,000 to save and earn tax-free interest
I want to have flexibility
Save for a rainy day and take money out when you need to
Why should you start saving?
There are all sorts of reasons why opening a savings account is a good idea.
Maybe you’ve got clear goals – like building up a deposit for a house. Or perhaps you just want to put some money aside to make life easier in the future.
Either way, saving even a small amount on a regular basis, and earning interest on it, can mean you end up with a really useful sum.
What is a fixed rate account?
Fixed rate savings accounts let you earn interest at a rate that doesn’t change for the term of the product.
They’re great for lump sums that you won’t need to touch for a while, and usually offer a better return than you’d get from a variable rate account. There may be restrictions or charges if you want to withdraw money before the fixed term ends.
What is a variable rate account?
With variable rate savings accounts or ISAs, the rate of interest you’re paid on your balance can go up or down at any time.
These accounts are often more flexible than fixed rate products, so they might be better for you if you need to be able to dip into your savings often.
What is interest?
Interest is what we pay you for keeping your money in one of our accounts. How much you’ll earn depends on your account balance, and on the rate for the account you have.
We're a building society, so we don't have shareholders to pay. This means we can give back to our members with higher interest rates.
Choose your account
You can't take out part of the money, only full closure is allowed. You'll be charged 90 days' interest on the account balance for the closure, including ISA transfers, before 31 May 2026.
No access to your money until the account term comes to an end on 30 April 2026.
Unlimited withdrawals without charge at any time via online services or our app.
After the 14-day 'cooling-off period', you can't make withdrawals or close the account.
Fixed Bond (370) 31.08.2026
4.20
AER/Gross p.a.
(Fixed until 31.08.2026)
(Fixed until 31.08.2026)
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
The gross rate is the interest rate payable before the deduction of tax.
A fixed rate won’t change for the fixed term. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
After the 14-day 'cooling off period', you can't make withdrawals or close the account.
Junior Cash ISA (2)
4.00
Tax-free p.a./AER
(Variable)
(Variable)
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
The child can only access the money when they reach 18. However, you can move the money to another Junior ISA provider anytime with an ISA transfer. If you decide to transfer the money out, you must move all of it. This rate is based on interest paid annually.
4 Access Saver (2)
4.50
AER/Gross p.a.
(Variable)
(Variable)
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
The gross rate is the interest rate payable before the deduction of tax.
A fixed rate won’t change for the fixed term. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
4 charge-free withdrawals per year (a year is a rolling 12 months from account opening). For the 5th and subsequent withdrawals (which include closure, there will be a charge equal to 50 days' interest on the amount withdrawn.
After the 14-day 'cooling-off period', you can't make withdrawals or close the account.
6 Access ISA (2)
3.55
Tax-free p.a./AER
(Variable)
(Variable)
Tax free - Interest which is paid that is exempt from tax.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
A fixed rate doesn't change. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
6 charge-free withdrawals per year (a year is a rolling 12 months from account opening). For the 7th and subsequent withdrawals (which include closure, there will be a charge equal to 50 days' interest on the amount withdrawn.
First Home Saver (2)
4.60
AER/Gross p.a.
(Variable)
(Variable)
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
The gross rate is the interest rate payable before the deduction of tax.
A fixed rate won’t change for the fixed term. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
60 days notice or 60 days penalty charge for immediate withdrawal/closure.
Regular Saver (6)
4.25
AER/Gross p.a.
(Variable)
(Variable)
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and added each year.
The gross rate is the interest rate payable before the deduction of tax.
A fixed rate won’t change for the fixed term. A variable rate can go up or down.
The rate shown is based on interest being paid annually.
Withdrawals/closure is allowed subject to a charge equal to 30 calendar days' interest on the amount withdrawn. Notice for withdrawals/closure cannot be given.
After the 14-day 'cooling-off period', you can't make withdrawals or close the account.
We're recognised
We've been awarded a gold ribbon for customer experience by Fairer Finance (autumn 2024) for our savings.
And open
We show competitors' rates next to our own.
And trusted
More than two million people choose us.
It all adds up to something
All together, better
We get noticed for the things we do
2024
Fairer Finance
Most transparent for savings (autumn 2024)
2024
Fairer Finance
Number one for customer experience for our savings (autumn 2024)
iOS is a registered trademark of Cisco systems Inc. and/or affiliates in the United States and certain other countries and is used under license. Apple, Apple Pay, iPhone and the Apple logo are trademarks of Apple Inc. registered in the US and other countries. App Store is a service mark of Apple Inc.
Google Play and the Google Play logo are trademarks of Google LLC.
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on 0800 121 8899
Lines open
- Mon-Fri 8am-7pm
- Saturday 9am-2pm
- Sunday & Bank holidays Closed
Yesterday, people waited on average
17 seconds for savings enquiries
17 seconds for mortgage enquiries
Want help?
Our help section is bursting with useful information. If you'd rather chat, just give us a call.
Call us on
0800 121 8899
Monday - Friday
Saturday
Sunday
Saturday
Sunday
Bank holidays
8am - 7pm
9am - 2pm
Closed
Closed
9am - 2pm
Closed
Closed
Yesterday, people waited on average
34 seconds for savings enquiries
27 seconds for mortgage enquiries
