Guides
Short explanations for people comparing savings. Guides for a particular moment, such as an inheritance or a new baby, are in the savings guides.
Children's savings: Junior ISAs, accounts and Premium BondsHow cash Junior ISAs, children's savings accounts and Premium Bonds for under-16s work in the UK, including the allowance, the £100 parent rule and who holds the money.Read guideEasy access, notice, fixed or limited access: how they compareHow easy access, limited access, notice and fixed-rate savings compare: access, rate changes, early-access penalties, intro bonuses and laddering.Read guideFSCS protection: how your savings are protectedHow FSCS protects UK savings up to £120,000 per person, per banking licence: shared licences, joint accounts, temporary high balances, NS&I and platforms.Read guideIs my money safe?How FSCS deposit protection works, including the £120,000 limit from 1 December 2025, shared banking licences, joint accounts and temporary high balances.Read guideISA or savings account?When a cash ISA beats a taxable savings account, and when it does not. Personal Savings Allowance, the 2026/27 ISA limit, and Lifetime ISAs.Read guidePersonal Savings Allowance: how savings interest is taxedHow UK savings interest is taxed in 2026/27: the Personal Savings Allowance, starting rate for savings, ISAs, Premium Bonds and the April 2027 changes.Read guidePremium BondsWhat NS&I Premium Bonds are, the 4.35% prize fund rate, the 21,000 to 1 odds, and why a typical holding wins less than the headline rate.Read guideRegular savers explained: how the interest really worksHow regular savers work: why a 12-month account earns about half its headline rate, monthly limits, missed payments, linked current accounts and maturity.Read guideWhat is AER?AER is the annual equivalent rate. It is the one number that lets you compare savings accounts that pay interest at different times.Read guideHow we check ratesHow ClearRates orders accounts, and when a rate is hidden.Read guideHow ClearRates makes moneyPaid links are labelled. The top results are never ads.Read guideFSCS at a glanceThe £120,000 limit, shared licences, joint accounts and NS&I.Read guide
Savings guides cover an inheritance, a maturing fix, a first home, a new baby, redundancy, retirement and a house sale.