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Easy access and regular
Easy accessTake money out when you need it
Smaller potsTop rate on £1,000, including a low maximum
Bigger balancesTop rate with room for £50,000 or more
NoticeA short wait, often for a higher rate
Regular saversPay in a set amount each month
Linked to a current accountThe saver names the account you need
Fixed rate savings
All fixed rate savingsLock a rate for the term
6-month fixA short fix
1-year fixAbout twelve months
2-year fixA longer lock-in
3-year fixRead the early-exit penalty
Children and Premium Bonds
Children's savingsAccounts in a child’s name
Children's savings guideJunior ISA rules and the £100 parent rule
Premium BondsPrize fund rate is an average, not an AER
Top easy access today4.56%Welcome Saver · Monument BankSee the top rates →
A tiny pot can wear the brightest rate. Peek at the maximum before you fall for it.
All savings accounts →Fees never change the order.
Cash ISAs
Easy access cash ISATax-free, and you can reach the money
Fixed cash ISATax-free, locked for the term
Lifetime ISACash Lifetime ISA, with the bonus rules on the account
Junior ISATax-free for a child until 18
Before you move one
ISA or savings account?When the tax wrapper earns its keep
Transferring an ISAMove it without cashing it in
Flexible ISATake money out and put it back
Top cash ISA today4.72%Cash ISA · MoneyboxCompare cash ISAs →
Tax-free is lovely. The rate still has to earn its keep.
All ISAs →Tax treatment depends on your circumstances.
Data only
Gilt yieldsBefore and after tax
Bank RateThe benchmark the others sit beside
Learn
How gilts workCoupon, price and yield
Yield curveUpward, flat and inverted
Gilt or a savings account?Protection, tax and selling early
Yields are for reading. Nothing on this menu is for sale.
Gilts and bonds →Data only. No broker links.
Work it out
Rate checkerIs your bank paying enough?
What should I do with my savings?Questions on bills, debt, tax and timing
Rate alertsAn email when a higher rate appears
Brightest easy access today4.56%Welcome Saver · Monument BankCheck your rate →
Open the rate checker →Information, not a recommendation.
Read
GuidesAER, safety and the ISA choice
What is AER?The number that makes rates comparable
Is my money safe?FSCS in plain English
FSCS at a glance£120,000 per person, per licence
FSCS protectionThe £120,000 limit, licences and platforms
How we check ratesVerified at source
How we make moneyTop results are never ads
Personal Savings AllowanceHow savings interest is taxed
Easy access, notice or fixedWhat you give up for the rate
Regular saversWhy you earn about half the headline
Rate moversAccounts ordered by the newest change
NewsRate news, with the weekly as one type
NewsletterSign up for the weekly
When life changes
Savings guidesCash at a particular moment
An inheritancePause first, then decide
A fix maturingWhat happens when the term ends
A first homeWhere a deposit can sit
A new babyBuffer, Child Benefit and Junior ISAs
Redundancy payTax, buffer and benefits
Retirement cashThe cash part, after Pension Wise
Selling a houseKeeping the proceeds reachable
The weeklyCatch every sunny spell. One short email with the brightest new rates.Sign up →
One short note a week, when a brighter rate turns up.
All guides →The weekly is a separate choice from rate alerts.

Savings

Easy access and regular

Easy accessTake money out when you need it
Smaller potsTop rate on £1,000, including a low maximum
Bigger balancesTop rate with room for £50,000 or more
NoticeA short wait, often for a higher rate
Regular saversPay in a set amount each month
Linked to a current accountThe saver names the account you need

Fixed rate savings

All fixed rate savingsLock a rate for the term
6-month fixA short fix
1-year fixAbout twelve months
2-year fixA longer lock-in
3-year fixRead the early-exit penalty

Children and Premium Bonds

Children's savingsAccounts in a child’s name
Children's savings guideJunior ISA rules and the £100 parent rule
Premium BondsPrize fund rate is an average, not an AER

Top easy access today4.56%Welcome Saver · Monument BankSee the top rates →

A tiny pot can wear the brightest rate. Peek at the maximum before you fall for it.

All savings accounts →Fees never change the order.

ISAs

Cash ISAs

Easy access cash ISATax-free, and you can reach the money
Fixed cash ISATax-free, locked for the term
Lifetime ISACash Lifetime ISA, with the bonus rules on the account
Junior ISATax-free for a child until 18

Before you move one

ISA or savings account?When the tax wrapper earns its keep
Transferring an ISAMove it without cashing it in
Flexible ISATake money out and put it back

Top cash ISA today4.72%Cash ISA · MoneyboxCompare cash ISAs →

Tax-free is lovely. The rate still has to earn its keep.

All ISAs →Tax treatment depends on your circumstances.

Gilts & bonds

Data only

Gilt yieldsBefore and after tax
Bank RateThe benchmark the others sit beside

Learn

How gilts workCoupon, price and yield
Yield curveUpward, flat and inverted
Gilt or a savings account?Protection, tax and selling early

Yields are for reading. Nothing on this menu is for sale.

Gilts and bonds →Data only. No broker links.

Tools

Work it out

Rate checkerIs your bank paying enough?
What should I do with my savings?Questions on bills, debt, tax and timing
Rate alertsAn email when a higher rate appears

Brightest easy access today4.56%Welcome Saver · Monument BankCheck your rate →

Open the rate checker →Information, not a recommendation.

Guides / News

Read

GuidesAER, safety and the ISA choice
What is AER?The number that makes rates comparable
Is my money safe?FSCS in plain English
FSCS at a glance£120,000 per person, per licence
FSCS protectionThe £120,000 limit, licences and platforms
How we check ratesVerified at source
How we make moneyTop results are never ads
Personal Savings AllowanceHow savings interest is taxed
Easy access, notice or fixedWhat you give up for the rate
Regular saversWhy you earn about half the headline
Rate moversAccounts ordered by the newest change
NewsRate news, with the weekly as one type
NewsletterSign up for the weekly

When life changes

Savings guidesCash at a particular moment
An inheritancePause first, then decide
A fix maturingWhat happens when the term ends
A first homeWhere a deposit can sit
A new babyBuffer, Child Benefit and Junior ISAs
Redundancy payTax, buffer and benefits
Retirement cashThe cash part, after Pension Wise
Selling a houseKeeping the proceeds reachable

The weeklyCatch every sunny spell. One short email with the brightest new rates.Sign up →

One short note a week, when a brighter rate turns up.

All guides →The weekly is a separate choice from rate alerts.

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Chip

Chip

Chip Financial (Investments) Ltd

FSCS: UK FSCS via Held across a panel of banks
Brands sharing the licence: Chip
Channels: app

FSCS protection checker

Accounts

Smart Cash ISA · 4.68% AER

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How the rates are checked

Every listed rate is checked at the provider’s own website. Rates are AER and can change. We may earn a fee if you open an account through a paid link, but fees never affect the order.

Savings

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Easy access
Notice
Fixed rate savings
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Children’s savings
Premium Bonds

ISAs

All ISAs
Easy access cash ISA
Fixed cash ISA
Lifetime ISA
Junior ISA

Guides

Guides
Savings guides
What is AER?
Is my money safe?
FSCS protection
FSCS at a glance
Children’s savings
Methodology

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ClearRates provides information, not financial advice. Contact hello@clearrates.co.uk.