The Big Savings Wiki

We’re chatting about savings rates in a bunch of different topics. As an experiment I thought I’d create a wiki for us to keep track of the current best rates (and chat about them obvs). Let’s see if it works…


Easy Access Savings

Bank / Account Name Interest rate Restrictions / Notes
Barclays Rainy Day Saver 5.12% upto £5,000 (0.15% above £5,000)
Zopa 2.86%
Cynergy 2.75%
Al Rayan Everyday Saver issue 3 2.81%
Tandem 2.05%
Virgin Money 2.02%
Gatehouse 2.80%
Ford Money 2.62% currently closed to new accounts
Tesco Bank 1.91%
Atom 1.90% AER
Shawbrook 1.81%
Marcus 2.50% AER (including a 1 year fixed bonus of 0.25%)

Notice Savings Accounts

Bank / Account Name Interest rate Restrictions / Notes
Tandem 4.25% Lock for 1 year
Tandem 4.5% Lock for 18 months
Tandem 4.6% Lock for 2 years
Tandem 4.7% Lock for 3 years
Tandem 4.8% Lock for 5 years
Zopa 2.91% 7 day notice
Zopa 3.06% 31 day notice
Zopa 3.26% 91 day notice

Regular Saver Accounts

Bank / Account Name Interest rate Restrictions / Notes
HSBC 5% 12 months, Max 250 monthly
Yorkshire Building Society 5% Existing customer for at least 1 year, Max 500 monthly
First Direct 7% 12 months, Max 300 monthly
NatWest 5.12% AER until £5000 (0.5% after), Max 150 monthly
RBS 5.12% AER until £5000 (0.5% after), Max 150 monthly
Club Lloyds Monthly Saver 5.25% max £400 monthly for 1 year, easy access for withdrawals
Lloyds Monthly Saver 4.50% max £250 monthly for 1 year, easy access for withdrawals
Halifax Regular Saver 4.50% max £250 monthly for 1 year. No withdrawals allowed unless you close the account

Feel free to play around with the formatting, adding tables, links or other info if that helps!

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Your post isn’t a wiki so I can’t edit, but these are Marcus’s and atom’s rates (gross):

Easy access:
Marcus - 1.24% (with a 12 month fixed bonus rate of 0.25%)
Atom - 1.49%

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Fail.

(Try again now)

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Added Tandem easy access savings at current rate of 1.65%

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Regular savers added.

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Good luck with this.

Soulsaver has been trying to do similar on the MSE forum, however, they change almost bi-daily

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Yorkshire Building Society have a 5% Loyalty Regular Saver.

Existing customers who have been with them over 12 months IIRC

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Ford Money & tesco bank added.

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I’ve added the Barclays Rainy Day Saver.

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Ford is going to 2.5% for existing from Wednesday.

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Adjusted to note the Barclays regular saver is only 5% up to £5k, drops to 0.15% thereafter.

Thanks @Peter_G

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Tandem easy access is now 2.05%

They also have the following Fixed Saver rates…

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Zopa rates updated in first post.

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FD rate is 7% on a max £300/ month for 12 months starting from December.

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Coventry Building Society have a Limited Access account, (6 penalty free Withdrawals) that currently pays 2.85%, increasing to 3.25% at the turn of the year.

Tandem EA 2.55%

I did say it would be a task to keep up to date :grin:

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Ford has increased their rates:

In line with Our Best Rate Guarantee we’re increasing the interest rate on our Flexible Saver effective 21st December 2022 as follows:
Currently: 2.47% Gross
New rate (21st Dec): 2.62% Gross

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Hampshire Trust Bank (no, me neither until I opened an account) have 2.25% easy access and 4.5% 18 month fix.

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Yes, I also noticed that wasn’t showing in the table. I’ve updated it now!

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