Independent savings expert: Sylvia Morris

Best savings rates: Compare branch and online savings accounts

Best savings rates: General savings – easy access online and branch

  • The web’s best savings tables
  • Completely independent and unique
  • Accounts with catches are stripped out or shown separately 
  • Compiled by savings expert Sylvia Morris  
  • Unlike other tables, providers cannot pay to appear

 

> Top DIY investing platforms: Best and cheapest places to invest 

 

BRANCH-BASED ACCOUNTS – INSTANT ACCESS 
Type of account (min investment) 0% tax 20% tax 40% tax
Accounts WITHOUT bonus- These rates are not boosted by a temporary bonus that drops off after a year      
Newbury BS welcome to Newbury (£50+) (1) 0.85  0.68  0.51 
Dudley BS Limited Access Bonus (£100+) (3)  0.80  0.64  0.48 
Kent Reliance Easy Access 40 (£1,000+)  0.70 0.56 0.42
Cambridge BS Your Saver (£100+)(4)  0.65 0.52  0.39
Family BS Branch Saver 3 (£1+)  0.56 0.45 0.34
Tipton & Coseley BS Hallmark Access 3 (£1,000+)(3)  0.45  0.36  0.27 
     
(1) The maximum you can put in this account is £3,000. Only available to those living in the building society’s operating area. Not available to existing members or those who have been members in the last six months
(2) You are limited to four withdrawals a year 
(3) You are limited to three withdrawals a year  
(4) You are limited to one withdrawals a month   

* Note: From April 2018, tax conversions will apply only to taxpayers living in England, Wales and Northern Ireland. Scottish taxpayers are subject to different income tax rates after this date.

 Dear Reader,

These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.

Independent savings expert: Sylvia Morris

They are completely unbiased – we simply show the best rates around and don’t do ‘featured deals’.

We’ve gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.

In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.

But with interest rates so low, most of today’s best deals have some sort of clause built in, whether that’s a bonus or a restriction on withdrawals.

For that reason, we’ve included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.

If there is a restriction on withdrawals we have made this clear in the notes on each account.

We also ignore old-style ‘notice’ accounts where the bank or building society can demand you give up to six months’ notice that you want to take our money out while it can change the rate at any time without warning.

All banks and building societies are registered with the Financial Conduct Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank’s home country. In Europe it is €100,000).

If you have a question about the tables email [email protected] and [email protected]

Sylvia Morris

This is Money savings tables expert

Read about:   Banks, Credit Unions, and Savings & Loan Institutions

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