Savings
One rate. No expiry date.
Teaser rates that quietly halve after twelve months are a loyalty penalty dressed as a promotion. We publish a single rate per product and give sixty days' notice before it moves.
- Instant access
- 4.65%
- 90-day notice
- 5.10%
- 12-month fix
- 5.35%
- Interest paid
- Monthly
Products
Three ways to hold cash
AER figures are variable except where stated as fixed. Rates effective 1 July 2026.
Instant Access
4.65%
AER, paid monthly
Withdraw whenever you like, as often as you like. Interest accrues daily and pays on the first of each month.
- Minimum
- £1
- Notice
- None
90-Day Notice
5.10%
AER, paid monthly
A higher rate for money you know you will not need this quarter. Give notice in the app; no penalty, just a wait.
- Minimum
- £500
- Notice
- 90 days
Fixed 12-Month
5.35%
AER, paid monthly
The rate is contractually guaranteed at opening. At maturity funds move to Instant Access unless you say otherwise.
- Minimum
- £2,000
- Notice
- Locked 12 months
Pots
Save by intention, not by willpower
Split a savings balance into named pots, each with its own target and its own automatic contribution, all still earning the headline rate.
Round-ups
Round card spending to the nearest pound and sweep the difference into a chosen pot.
Payday rules
Move a fixed amount or a percentage the moment your salary lands.
Target tracking
Set a goal and a date and see the monthly figure required to hit it.
Locked pots
Add a 24-hour delay on withdrawals from a pot you would rather not raid at midnight.
Worked example — £10,000 for 12 months
- Instant Access at 4.65% AER
- £10,465
- 90-Day Notice at 5.10% AER
- £10,510
- Fixed 12-Month at 5.35% AER
- £10,535
- Fees deducted
- £0
Illustrative only. Assumes no withdrawals, interest compounded monthly, and does not account for tax on interest above your Personal Savings Allowance.
FAQs
Questions, answered plainly
Next step
Put idle cash to work this afternoon
Open a savings account in under three minutes and start earning from the day the money lands.