Bank Account Savings: Find out how to maximise your savings

How it works

This calculator shows you how to use high-interest current accounts, cash ISAs and regular savings accounts to maximise your returns on your savings over the next 12 months.

Simply enter the amount you are able to save as well as the types of accounts you're interested in then choose from the options available to you.

Some options may be available to all whereas others may only be available if you have a certain account or if you do some extra work to become eligible for them.

Amount you have to save

Limit financial exposure to £85k per insitution (except NS&I)

What rate of tax do you pay?

Current taxable savings returns

Types of account you wish to use

High-interest Easy-access Accounts(Up to £85k protected)

Cash ISA (Tax-free savings)(Up to £85k protected)

NS&I(100% protected)

Regular Savers(Up to £85k protected)

1-Year Fix(Up to £85k protected)

Require a linked account or have pay-in requirements...
High-interest Easy-access Accounts		Interest	Min - Max Amount
0 accounts selected				Hide
	Principality Online Triple Access	4.55%Interest	£1 - £1,000,000Min - Max Amount	View
	Cynergy Online Easy Access Account	4.5%Interest	£1 - £1,000,000Min - Max Amount	View
	Investec Online Flexi Saver	4.4%Interest	£5,000 - £250,000Min - Max Amount	View
	Tandem Instant Access Savers	4.4%Interest	£1 - £250,000Min - Max Amount	View
	Yorkshire Building Society Easy Access Saver	4.35%Interest	£1 - £500,000Min - Max Amount	View
	Marcus Online Savings Account	4.3%Interest	£1 - £250,000Min - Max Amount	View
	Shawbrook Easy Access Account	4.25%Interest	£1,000 - £85,000Min - Max Amount	View
	Tesco Bank Internet Saver	4.1%Interest	£1 - £1,000,000Min - Max Amount	View
	Chip Instant Access Account	3.75%Interest	£1 - £250,000Min - Max Amount	View
	Kroo Current Account	3.65%Interest	£1 - £85,000Min - Max Amount	View
	Chase Current Account	3.5%Interest	£1 - £500,000Min - Max Amount	View
	Sainsbury's Defined Access Saver	3.5%Interest	£1,000 - £500,000Min - Max Amount	View
	cahoot Simple Saver	3%Interest	£1 - £2,000,000Min - Max Amount	View
	Post Office Online Saver	1.35%Interest	£1 - £2,000,000Min - Max Amount	View
	Santander Easy Access Saver	1.3%Interest	£1 - £250,000Min - Max Amount	View
	Santander Edge SaverRequires a Santander Edge Current Account	6%Interest	£1 - £4,000Min - Max Amount	View
	Barclays Rainy Day SaverRequires a Barclays Current Account and be subscribed to its Blue Rewards scheme (with £800 monthly pay-in and 2 direct debits)	5%Interest	£1 - £5,000Min - Max Amount	View
	Nationwide FlexDirectNeed to pay in at least £1,000 a month	5%Interest	£1 - £1,500Min - Max Amount	View
	HSBC Online Bonus Savings AccountRequires a HSBC Current Account	4%Interest	£1 - £10,000Min - Max Amount	View

Cash ISA		Interest	Min - Max Amount
	Principality Online ISA (Flexible)	4.55%Interest	£1 - £20,000Min - Max Amount	View
	Cynergy Online ISA (Not flexible)	4.5%Interest	£1 - £20,000Min - Max Amount	View
	Charter Savings Bank Easy Access Cash ISA (Not flexible)	4.31%Interest	£5,000 - £20,000Min - Max Amount	View
	Marcus Cash ISA (Not flexible)	4.3%Interest	£1 - £20,000Min - Max Amount	View
	Yorkshire Building Society Internet Saver ISA Plus (Flexible)	4.05%Interest	£1 - £20,000Min - Max Amount	View
	Paragon Triple Access Cash ISA (Flexible)	4%Interest	£1 - £20,000Min - Max Amount	View
	Tesco Bank Instant Access Cash ISA (Flexible)	3.95%Interest	£1 - £20,000Min - Max Amount	View
	Sainsbury's Variable Rate Cash ISA (Not flexible)	3.5%Interest	£500 - £20,000Min - Max Amount	View
	Post Office Online ISA	1.35%Interest	£1 - £20,000Min - Max Amount	View

1-Year Fixes...
NS&I		Interest	Min - Max Amount
	Direct Saver	3.5%Interest	£1 - £2,000,000Min - Max Amount	View
	Income Bonds	3.49%Interest	£500 - £1,000,000Min - Max Amount	View
Not guaranteed returns, but tax-free...
	Premium BondsWhilst you can save from £1 you need to put in £10k+ to give you a good chance of hitting the returns quoted, and even then it's unlikely you'll get the advertised rate so we've set this to roughly "average luck"	3%Interest	£10,000 - £50,000Min - Max Amount	View

Require a linked account...
Regular Savers		Interest	Min - Max Monthly Pay-in
	Halifax Regular Saver	5.5% (effective 3.02%)Interest	£25 - £250Min - Max Monthly Pay-in	View
	Principality Building Society Regular Saver	5.15% (effective 2.83%)Interest	£25 - £250Min - Max Monthly Pay-in	View
	First Direct Regular SaverRequires a First Direct 1st Account	7% (effective 3.86%)Interest	£25 - £300Min - Max Monthly Pay-in	View
	Nationwide Flex Regular SaverMax 3 withdrawals a year. Requires a Nationwide Current Account	6.5% (effective 3.58%)Interest	£25 - £200Min - Max Monthly Pay-in	View
	Club Lloyds Monthly SaverRequires a Club Lloyds Account (with £1,500 monthly pay-in and 2 direct debits)	6.25% (effective 3.44%)Interest	£25 - £400Min - Max Monthly Pay-in	View
	Natwest Digital Regular SaverRequires a Natwest Bank Account Natwest pays 5.12% on balances up to £1,000 so we've limited the maximum monthly contributions, but you can pay up to £150/month.	6.17% (effective 3.40%)Interest	£1 - £150Min - Max Monthly Pay-in	View
	TSB Monthly SaverRequires a TSB Current Account	6% (effective 3.30%)Interest	£25 - £250Min - Max Monthly Pay-in	View
	Bank of Scotland Regular SaverRequires a Bank of Scotland Current Account	5.5% (effective 3.02%)Interest	£25 - £250Min - Max Monthly Pay-in	View
	HSBC Regular Savings AccountRequires a HSBC Current Account	5% (effective 2.74%)Interest	£25 - £250Min - Max Monthly Pay-in	View
	Santander Regular eSaverRequires a Santander Bank Account	5% (effective 2.74%)Interest	£25 - £200Min - Max Monthly Pay-in	View

1-Year Fix		Interest	Min - Max Amount
Max amount to lock-away:
0 accounts selected				Hide
	Shawbrook Fixed Rate Bond	4.57%Interest	£1,000 - £2,000,000Min - Max Amount	View
	Monument Bank Fixed Term Deposit	4.55%Interest	£25,000 - £400,000Min - Max Amount	View
	Atom Bank Fixed Rate Saver	4.5%Interest	£50 - £100,000Min - Max Amount	View
	Tesco Bank Fixed Rate Saver	4.15%Interest	£2,000 - £5,000,000Min - Max Amount	View
	Natwest Fixed Term Savings Account	4%Interest	£1 - £99,999Min - Max Amount	View
	RBS Fixed Term Savings Account	4%Interest	£1 - £99,999Min - Max Amount	View

Bank Account
Savings.co.uk

How it works

Amount you have to save

What rate of tax do you pay?

Current taxable savings returns

Types of account you wish to use

Select accounts you wish to use

Switch Deals		Interest	Bonus	Min - Max Amount	Monthly Pay-in
	Club LloydsNeed to switch a non-Lloyds account	0%Interest	£200Bonus	£0 - £0Min - Max Amount	£1,500Monthly Pay-in	View
	First Direct 1st AccountOnly available for new customers switching to First Direct	0%Interest	£175Bonus	£1,000 - £1,000Min - Max Amount	£0Monthly Pay-in	View

Bank AccountSavings.co.uk

How it works

Amount you have to save

What rate of tax do you pay?

Current taxable savings returns

Types of account you wish to use

Select accounts you wish to use

Bank Account
Savings.co.uk