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How to find the best savings rates

If you want to make the most of your savings, checking the top rates and moving to a better deal is essential, as is using a cash Isa to beat savings tax.

This is Money's best buy savings tables are independently curated by savings expert Sylvia Morris and the This is Money team. We update them daily and feature the top accounts with FSCS protection. 

And don't forget to sign up to our free email savings alerts to be the first to hear about new best buy rates.

Savings essentials:

> Compare best savings rates in our tables 

> Check the best cash Isa rates

> Sign up to Savings Alerts to get top deals sent to you

Read articles that feature this panel

Marcus Rashford strikes again: Charity-linked debit card Ziglu launches to help the hungry this Christmas

A new debit card is promising to donate to a food redistribution charity backed by England footballer and free school meals campaigner...

Who are the four banks at the top of the savings best buy tables? We run the rule over Allica, DF Capital, SmartSave and Tandem and ask how...

Can you tell me a little more about these banks and what they do with cash they get in from savers before I make a decision and open an...

Is it time to lock into a fixed bond account? Rates shoot up to 1.35% as banks fight for your money

There have been 400 rate increases since the start of last month as banks compete to top the best-buy tables, according to research by...

Make chasing savings rates a hobby: With deals from small challengers on the up, LEE BOYCE says it's time to buckle-up and go hunting

In the last few weeks, challenger banks have started to battle it out in the best buy savings tables once more - especially when it comes to...

Gatehouse Bank launches a best buy one year fixed 'green' savings deal paying 1.51% - and it'll plant a tree in Britain for each account...

Gatehouse Bank has launched its Green Saver account paying 1.51%. It marks the first time rates have nudged past 1.5% for locking cash away...

Marcus Bank fires back up the best buy easy-access savings table with a rate boost for new customers AND an even better 0.6% deal for...

The bank, backed by Goldman Sachs, has boosted both its regular easy-access account and cash Isa from 0.4 to 0.5%. But there is a simple...

Choice of savings deals reaches the highest level since the pandemic - but potential base rate rise unlikely to make 'meaningful difference'...

The number of savings accounts available has reached the highest level since the start of the pandemic with 1,639 options now available.

With base rate expected to rise, will saving deals begin paying higher interest? We ask three experts what they think will happen

Britain's savers will be hoping for an interest rate revival if the Bank of England ups the base rate in the coming months.

Demand for fixed-rate savings accounts soars as Britons hunt to find a 'safe haven' for their cash

With the gap between the best buy one-year fix and easy-access growing substantially since March, savers appear to be turning to parking...

How to shield your nest egg from inflation: As prices rocket, here's how to stop your savings being ravaged and get the best rates

After ten years of rock-bottom interest rates more than £100bn of spending power has been lost to the march of rising prices, our analysis...

Looking for a better return on your savings? How savvy savers can beat the best deals of the market - but you'll need a spare £10k to do so

Being a saver at the moment can feel like you're on a ship that's sinking very slowly, but there is a trick to boost low rates.

Why it pays to start saving NOW for Christmas 2022 - or drip feed your cash in for a rate boost: Lock into a 5% rate with latest 12 month...

Banks have launched a host of regular savings accounts paying top rates of up to 5% to help customers fund the festive season next year.

Could a savings platform help boost your rate and beat the banks? Our new tables show how to bag a best buy with a bonus

We have launched a new savings table to our collection - the best bonus rates on offer from a new wave of platform, such as Raisin and...

If banks can't provide alternatives to shuttered bank branches, they must halt their campaign of closures, says Which?

The rate of branch closures increased significantly in 2021, peaking with an average of 99 closures per month between June and August.

Savers paid just a fraction of the interest rates they got when base rate was last 0.25%: We reveal how banks are cashing in from the £2.7bn...

Savers accounts are on average receiving a quarter of the interest they were getting when the Bank of England base rate was last at 0.25 per...

Inflation questions answered: Why is the cost of living rising, when will interest rates go up and how will savers and borrowers be hit?

Inflation has reached 4.2%, we look at what has happened, why inflation is rising, how interest rates could be affected and how all this...

The Virgin Money current account trick to bump up your interest to 1%: Savers with limited options will find that every little helps

The account is offered by Virgin Money, but getting hold of it takes a little more crafty work than simply opening one of its accounts.

Would you lock your money away for five years at 1.9%? The best cash Isa deals on offer now for new savings and transfers

Rates may be low but getting the best deal on your cash Isa is even more essential in that scenario. We round-up the top rates right now.

Want to get a better savings rate but still be able to access your cash? Pocket 2.1% with a 90-day notice account

You can now earn 2.1 per cent with Investec's deal, while OakNorth is paying 2.12 per cent.

Cash Isas stage a comeback as rates triple: Latest deals put out-of-favour tax-free accounts back in the spotlight

Many savers abandoned the tax-free accounts when interest rates plummeted in the wake of the financial crisis. But they are fast regaining...

How to find the best branch-based savings account: I'd rather not manage my money online, but will I lose out on top rates?

For better or for worse, I prefer to conduct my banking business in a branch, and want to move my savings to a better rate.

Savers flock back to fixed-rate bonds as rates soar - but as even a one-year fix pays 3.35%, experts warn they should stick to shorter...

Households deposited £2.8bn into fixed-rate accounts last month, the highest level since November 2010, according to the Bank of England.

BLME launches three best buy savings deals: Savers can earn up to 3.75% interest when fixing - or 2.52% on a 90 day notice account

All three savings deals lead the market, with the two fixed rate deals featuring at the top of our independent best buy league table.

Boost for savers as Premium Bond prize rate hits 14-year high: State-backed bank hikes fund from 1.4 % to 2.2%

Savers stand a better chance of winning a Premium Bond prize after National Savings & Investments raised its rates to a 14-year high.

Silver lining of rate hikes for savers: After more than a decade of rock-bottom returns there's £13bn of extra interest up for grabs - so...

Savings rates have been slowly edging up since the Bank of England began raising base rate from a record low of 0.1% in December.

Banks ordered to provide customers with alternative options before axing branches and free ATMs

Local communities must also be consulted before opening hours are cut under stricter rules set out by the Financial Conduct Authority.

Stop short changing Isa savers: Tax-free accounts are back as rates soar... but many providers are refusing to play fair

Rising savings rates mean tax-free cash Isas are back in the limelight as savers seek to protect their returns from HMRC's clutches.

How I outwitted the banks and made £1,300 by becoming a serial current account switcher

Before the pandemic, Verena Hallam spending was out of control. The 32-year-old had racked up £13,000 of debt splashing out nights out with...

More good news for savers as Coventry and Santander launch top accounts

Coventry Building Society has a new one-year fixed bond paying 4.4%. Meanwhile Santander is offering an easy-access deal at 2.75%

Ditch your old Isa TODAY to bag the best rates: Savers can make hundreds of pounds extra interest by switching to a better tax-free deal

Even if they are fined for ending their deals early, savers could still be better off as rates have climbed sharply on the tax-free savings...

Amount of money held in easy-access savings surges past £1 trillion for the first time - with £3bn added in a month

Savers now have a record sum in instant access accounts after adding £3bn in September, according to figures from the Bank of England.

Should you overpay your mortgage or save spare cash? How to work out if you'll be better off as rates soar

Homeowners with spare cash to save have been given a new dilemma. Do they put the money into one of the top new savings accounts being...

Why fixed-rate savings deals might have already peaked: Bank of England base rate no longer expected to exceed 4.5%

The top rate of 4.65% - seen last week on popular one-year bonds - has vanished, with some accounts only on sale for just 24 hours.

Santander's new current account pays 4% on balances up to £4,000 - plus cashback on bills and supermarket shopping

Santander's Edge account offers an easy-access rate of 4% on balances up to £4,000 and 1% cashback capped at £10 per month on supermarket...

Millions now face having to pay tax on their savings for the first time in seven years as interest rates soar: Here's what savers should do

Basic-rate taxpayers could soon bust their £1,000 personal savings allowance for the first time since it was introduced in April 2016.

Now First Direct's regular savers can earn 7% - and HSBC lets customers leave low fixed rates early for a better deal

HSBC is also waiving early closure fees on fixed-rate savings accounts, giving full access early to either withdraw or move to a better...

Could switching banks help pay for part of your Christmas? Record numbers move accounts for £200 cash rewards

Some banks are so swamped with new customers seeking the cash rewards that they have had to withdraw the incentives altogether.

Savers swamp building societies in race for best rates: Mutuals struggle to cope with huge demand for new accounts

The five biggest societies - Nationwide, Coventry, Yorkshire, Skipton and Leeds - together hold some 90% of the money in the 43 societies.

Customers lose more than £1m in fees to cashback website Complete Savings since 2020

Thousands of people signed up to the Complete Savings service after being promised 10% discounts, monthly bonuses and special offers.

Eight ingenious tricks to turbo charge your savings rate: From a ruse to get 7% on your rainy day fund to the masterplan that means you pay...

After years of miserly returns, the rates on ordinary savings accounts are finally on the up. Here's how not to miss out on a penny of...

How to boost your savings in 2023: How high will interest rates go, what are the best accounts to stash your cash in and do you NEED an Isa?

Savers are benefitting from the highest interest recorded in more than a decade. We run the rule over the best rates and explain when tax on...

Two best-buy cash Isas from Barclays: Bank launches one year tax-free deal at 4% with two years at 4.1%

The banking giant has rocketed our best-buy tables with a one-year fix paying 4% and a two-year tax-free fix paying 4.1%.

Can a bank that lends to potato farmers make returns grow? It's one of several new kids on the block offering top returns

Oxbury Bank, which lends to UK farmers, offers a 90-day notice account at 3% and often launches competitive fixed-rate bonds.

Will you be hit by a tax bill on your savings as rates rise? Millions are now at risk of busting their Personal Savings Allowance

Soaring interest rates and increased savings balances has put millions of savers at risk of busting their Personal Savings Allowance.

First Direct swamped with applications for its £175 current account switching bonus

First Direct bank's website warns that high demand for its current accounts means it may take up to seven working days to get back to...

Time for savers to jump ship! Big banks shamed by small rivals paying FOUR TIMES more as they fail to pass on base rate hikes

Since December 2021, the Bank of England base rate has risen from 0.1% to 3.5%. But big banks have not passed on the bulk of the increases...

Savers hit by delays on Isa transfers due to administration blunders and shoddy customer service

Some cash Isa transfers are taking over a month to complete despite industry rules that state they should be done within 15 working days.

Santander is offering £200 cash to switch your bank account - but look out for strings attached

It is one of the best-ever bank account switching deals - but depending what deal customers pick they may need to pay fees or meet certain...

What's the best savings rate YOUR bank offers? High Street giants are finally boosting deals for existing customers

You can get an interest boost with your current bank in a few clicks of a mouse, taps on a smartphone or a quick telephone call.

Fury as banks rake in £23billion from soaring loan and mortgage charges while failing to pass on interest rate hikes to struggling savers

NatWest and Lloyds grabbed more than £20 billion from soaring loan and mortgage charges last year, but did not pass on the same interest...

Top rates on new easy access savings accounts keep ticking up around 3% -following latest base rate hike

Some providers have upped their rates since Bank of England base rate rose from 3.5% to 4 5% at the beginning of this month.

The £210 penalty if you can't put savings online: Best rates increasingly reserved for those who open internet accounts

You can earn as much as 3.1% online, some 0.55 percentage points more than what's offered by the top branch-based account widely available...

Investec tops best-buy tables as it boosts rate on its 90-day notice savings account to 3.55%

The Investec account can be opened with £5,000, but is only available for those with a smartphone - unless you already have an online...

Bank robbery in REVERSE? High St banks make extra £7BILLION from paying savers low interest rates - but charging more on mortgages and loans

Barclays, NatWest, Lloyds, HSBC and Santander are making money by passing on Bank of England interest rate hikes to borrowers - but not...

The bank that won't pass on rate rises unless you ring and ask: Just one of the ruses greedy lenders use to squeeze savers and pump up...

In a little over a year, the Bank of England base rate has risen from 0.1% o 4%. But some banks have failed to increase rates on hundreds...

Big Four banks are 'ripping off customers': MPs blast Barclays, HSBC, Lloyds and NatWest for passing on a fraction of rate rises onto savers

The Commons Treasury Committee blasted Barclays, HSBC, Lloyds and NatWest for passing on only a fraction of base rate rises to savers.

Fixed savings rates have 'peaked' at 4%, experts claim - but easy-access interest is still tipped to climb

The warning comes over growing uncertainty as to whether the Bank of England will push base rate any higher to combat inflation.

Tempted by a regular saver? We reveal how one deal with a 6.25% interest rate would get you LESS cash than an easy access account at 3.4%

There are several strings attached to regular saver deals that can easily trip up unwary consumers. We explain how the accounts work and...

Easy-access savings rate soar with 14 accounts offering more than 3% (but watch out for the small print)

Although the latest easy access rates are attractive, trawling through a host of tedious terms and conditions can be a nightmare.

Your Isa questions answered: How many accounts can I have? Can I move from shares to cash? What if I breach the £20,000 annual cap?

Has it been a while since you last paid any attention to Isas? You can't remember all the rules and restrictions.... Don't worry, you're not...

Five investing experts reveal how they plan to invest their Isa: Tips to steer through the stock market's choppy waters and make a healthy...

Experts say savers should not be put off investing by the current problems of high inflation, Putin's brutal invasion of Ukraine and soaring...

Cash Isas are back with a bang! After years of rock-bottom returns, you can now earn more than 4% tax-free - here's how to make the most of...

They were once the bedrock of every astute saver's financial plans - but the rates on cash Isas tumbled in the aftermath of the 2008...

Lloyds offers new customers £200 to switch bank accounts - but beware the catch that can eat into your bonus

Despite offering the biggest cash reward for switchers, one expert warns that Lloyds's offer is unlikely to be a worthwhile deal for most...

Santander launches 4.15% cash Isa for one-year fix as big banks return to the scene with top rates

Santander's one-year fixed-rate cash Isa at 4.15% fixed until April 1 next year. It is also offering an 18-month version at 4.25%.

Fixed-rate bonds get another boost:  Shawbrook Bank now offering best deal with 4.04% over an unusual nine-months

Shawbrook Bank raised the amount it pays on its nine-month bond to 4.04% yesterday, putting it just ahead of Allica Bank's 4% and Atom's...

Exposed: The big banks refusing to pass on the rate rise - so look to these smaller rivals for top paying easy access deals

You can now earn 3.2% in the best easy access accounts and this rate could edge higher yet after the Bank of England raised base rate last...

Safe saving: Eight crucial checks before you put your trust (and hard-earned cash) into new banks with top rates

In recent years, best-buy savings tables have been dominated by banks and building societies that are unfamiliar to many - so it's vital...

HSBC offering the top current account switching offer as it reintroduces last winter's £200 deal

The reward is for those who move from another bank to HSBC's UK Advance or Premier Bank accounts using the Current Account Switching...

Stampede for the 4.4% Isa: Customers jam phone lines at Coventry Building Society in rush to lock in returns 

Coventry BS says a record number of savers seeking better returns have swamped its call centre after it upped rates at the start of this...

Could savings deals now creep back above 5% as persistent inflation drives up interest rates or should you lock in a deal now?

Savers can now enjoy a top rate on a one-year fixed rate account of 4.7%, currently offered by Close Brother Savings and Investec Bank.

Online bank Marcus boosts easy-access rates to 3.3%... but rival Chip leads the way with its 3.55% offering

Marcus, which is backed by Goldman Sachs, now pays 3.3% on its Online Savings Account and cash Isa accounts - or 3.26% monthly.

Bank holiday savings boost! Wave of new best buys include an easy-access deal paying 3.65% and one-year fix at 4.81% 

Shawbrook Bank is now offering the top easy-access rate while Vanquis Bank has raised the stakes in terms of 12 month deals.

Two in five over-65s risk financial exclusion because they don't use online banking 

More than four million pensioners still rely on physical bank branches and phone lines to manage their finances, according to a survey by...

Stolen phone? Bank apps are the main target as scammers learn how to exploit weak security checks

Banking apps allow users to make payments with their phone. But fraudsters are exploiting weaknesses in their security to steal from...

How you can get £555 more interest by moving your cash Isa - follow these four simple steps 

The gap between the worst and best cash Isas is so vast that savers with £17,356 could earn an additional £555 just by switching.

Savers have moved £22billion out of the big five banks... here's why you should too, says JEFF PRESTRIDGE, and where to find better rates

Over the past 16 months, the big banks have used the backdrop of ever higher interest rates to improve their margins and boost their...

Irate customers reveal NS&I service has collapsed into chaos: Savers tell how they have been locked out of their £50,000 Premium Bond...

NS&I is descending into customer service chaos leaving many customers locked out of their accounts and at their wits' end.

The 7.5 billion reasons why NS&I will have to raise rates: State-backed bank ordered to pull in more savers 

The Government has tasked NS&I with attracting £7.5bn from savers in the next 12 months, despite many of its savers leaving for better deals...

What's the best NS&I savings account? As the Premium Bond prize rate is boosted again to 3.3%, we run the rule over ALL the top deals

Premium Bonds are NS&I's top account with £119.5bn of savers' money tied up hoping to win a monthly prize between £25 and £1m.

NS&I green bond savers set to miss out on interest rate rises if they locked into a deal before August

NS&I yesterday launched a new issue of its three-year Green Savings Bond at a very competitive 4.2%, an increase of 1.2 percentage points.

Why is NS&I turning away some older savers from its new 4% bond? Customers wrongly told they can only open an account online

The NS&I website claims that the 12-month fixed rate savings account, with a top rate of 4%, is 'designed to be invested in online'.

NS&I trebles number of £100,000 Premium Bond prizes... and there'll be more £50,000 payouts too as returns hit 3% 

The government-backed bank has announced the prize fund on the UK's biggest savings product will go up to 3% in next month's draw.

NS&I sees a £600m dip in new savings account deposits... but Premium Bond sales continue to grow

National Savings & Investment pulled in just £172m in October, latest figures show. It's a huge drop from the £801m the previous month.

Meet the savvy band of savers earning a huge 12.34% interest with NS&I Savings Certificates they've been building up for years

Retired police officer Peter Coppenhall is one of the 365,000 who hold Index-Linked Savings Certificates, which haven't been on sale since...

NS&I turbo-charges savings - and some rates have doubled! At last, interest rises are passed on to savers.... will YOUR account get a...

NS&I's Direct Saver and Income Bonds now pay 1.8% up from 1.2%, spelling better rates for savers. In December 2021, these paid just 0.15%.

Now easy access rates are forecast to hit 3.75%: As the battle for customers steps up, here's where to find the best deals for your savings

Building societies and smaller banks have announced a round of hikes in the coming weeks with easy access rates set to rise as high as...

Lloyds offering £150 sign-up bonus for current account switchers if they sign up before July 17

Customers must switch into a Club Lloyds, Club Lloyds Silver or Club Platinum account using the Current Account Switching Service.

Marcus ups savings interest rate for fifth time this year: We read the small print and reveal how it compares to rival deals

Marcus, the app-based bank run by Goldman Sachs, is once again boosting the interest rates on its popular easy-access savings deals.

The little known trick that lets you earn 4.4% tax-free and get instant access: Fixed rate Isas can be switched or closed at any time

Savers are entitled to switch or close their Isa whenever they choose, according to HMRC rules. This right applies even to fixed-rate Isas.

How to unlock exclusive savings deals that pay more than 5% - and even beat the table-topping best buys 

Savings platform websites allow you to hold money with different banks and building societies all in one place, and they often have top...

Should you swap easy access for 'double access' savings that let you make only two withdrawals a year but can pay up to 4%?

Double access savings accounts pay a fixed interest rate as long as you make no more than one or two withdrawals a year.

Why parents should steer clear of Junior Isas: Regular accounts now offer better interest rates

Today savers can bag a top rate of 4.56% from UBL UK. In contrast, Coventry BS currently offers the best Junior Isa at 4.3%.

Shawbrook Bank launches new market leading one-year fixed-rate cash Isa paying 4.63%

Last month the Bank of England raised the base rate to 4.5% - its highest rate in 14 years. It is due to meet again next Thursday.

All you need is just a little patience: Why notice accounts that bag you a better rate AND access to your cash can be a savers' secret...

Savers usually have a choice between locking money away for a year or two to get a high rate, or leaving it in an account earning far less...

Don't be the average saver! We reveal how you could have earned THREE TIMES more interest since 2008 - turning £10,000 into £14,461 

Over 15 years the average saver has made a pitiful 15%. Our research reveals what happened if they moved their money once a year to the best...

Marcus ups easy-access savings rates to 3.75%: Should its 800,000 savers remain loyal or switch to a better deal elsewhere?

Marcus, the app-based bank run by Goldman Sachs, is once again boosting the interest rates on its popular easy-access savings deals.

Beware the tax sting on that 6% savings account: Savers can earn the most interest since 2008

Rates have been rising at a relentless pace recently. However, as rates rise, savers are at an increasing risk of being hit with a tax bill...

Are Premium Bonds REALLY handing out enough prizes to savers? The head of NS&I is grilled by JEFF PRESTRIDGE

It's the nation's savings bank which more than 24 million of us entrust to look after our hard-earned cash in these difficult times. Safe as...

I'm a savings expert and these are the NS&I deals I'd take out right now: SYLVIA MORRIS on the good rates to snap up and the duds to ditch 

National Savings & Investments is boosting savers' chances of winning Premium Bond prizes this summer, raising its prize fund rate to 4%.

Customer service? The banks couldn't care less: ALEX BRUMMER on how the big guns have happily gone absent

Some 5,699 branches have been axed since 2015 and the hacking away of this vital bit of financial infrastructure carries on unabated.

Ditch your big bank's rubbish easy access rate and pick one of these best buy savings deals instead

Savers hold £860bn in easy-access accounts, amounting to about two-thirds of all the money saved with banks. But the deals are universally...

Why you're ten times more likely to win £100,000 on Premium Bonds - but less likely to win £1m: Find out YOUR odds after major changes to...

In the past year, two big changes by National Savings and Investments have given savers even more reason to invest. But how much luck do you...

Big banks are 'flouting rules' by paying savers less if they open accounts in branch

Banks including NatWest, Virgin Money and Coventry Building Society reserve some of their best interest rates for customers who operate...

The best Steady Eddie savings rates so you don't need to keep switching deals

Top rates change every day or so as providers vie for customers and pass on Bank of England base rate rises - which now total 14 in under...

Savers now almost three times more likely to put extra cash into banks than into a pension

Almost two-thirds of those with a savings account would put cash in savings in the next 12 months, compared with a fifth who would pay into...

Investing platforms earn 5.18% on your cash while paying you much less - here's what to do

Investment platforms have a new source of juicy profits, boosting their coffers by hundreds of millions of pounds. We get an analyst to...

Should I put money in my husband's name? Savings tax questions answered

More than four million savers will be landed with a tax bill on their interest for the first time just as they finally get a good return on...

The best fixed rates to move to now: Savers face a £500 hit if they don't act

Approximately £12.2bn was paid into fixed-term accounts in October 2022 as savers locked in to the best savings rates for years.

Saga launches new savings platform that lets savers split cash across fixed deals from TWENTY banks

Customers can hold accounts with more than 20 savings providers, with term lengths varying between one month and seven years.

Act fast as best one-year bond rates dip below 6%: Best deals pulled from sale as competition cools

Savers looking for a high-paying bond are being warned to lock in to one soon in case rates fall further still. The top rate for one year is...

Revealed: 27 towns that may get banking hubs - is yours on the list?

Towns up and down the country could soon benefit from a shared bank branch hub on their High Street, having previously been ruled out for...

Savings tax: Why just £16,000 in savings could now land you a bill

Now savers are finally earning a decent amount of interest, the taxman is clawing back an ever-greater proportion of it in the form of...

Best short-term savings fixes - you can get 4.85% for a 30 day term

There are currently 44 fixed-rate bonds that last for six months or less - up by a quarter in just a year, some last for just 30 days. So,...

NatWest's new AI-powered chatbot 'will be just like talking with a human'

Natwest said its upgraded virtual assistant, dubbed Cora+, will be powered by generative AI. Cora+, which the bank created with technology...

Finally a 5.25% regular savings account we can ALL access

Several banks and building societies offer so-called regular saver accounts that allow savers to earn top rates on deposits up to £500 a...

One in five married adults think their spouse is hiding savings from them

Nearly half of married adults don't discuss retirement plans and some three-quarters don't know how much their partner will have in...

Just 19 of best 50 easy-access savings accounts don't have catches

Of the top 50 instant-access savings accounts for balances of £5,000, only 19 do not come with any restrictions if you want to get hold of...

NS&I joins the fixed savings rate bloodbath with massive cut

National Savings & Investments slashed its three-year Green Savings Bond by a huge 1.75 percentage points, from 5.7% to just 3.95%.

Beware the top easy-access savings rates that fall by 4% after just one year

Savers are being tempted with enticing rates of around 5% on easy-access accounts. But most of them are only worth holding on to for a year.

I've tracked rates for decades... this is the one thing all savers must do every week, says SYLVIA MORRIS

When it comes to drinks parties, especially at this time of year, I'm never short of friends with a money question on the tip of their...

SYLVIA MORRIS: Why you MUST move accounts... or miss out on bumper rates

There's a new savings account which I have put straight on your shopping list. It pays a hefty 5.06%, gives you easy access to your money

Some 1,000 towns left with out a bank branch may get a new hub over the next four years

Experts say new rules, designed to ensure small firms and consumers have access to cash, will mean many new hubs springing up across the...

Do you have cash in an investing account? Beware firms pinching your interest, says SYLVIA MORRIS

The FCA has warned that platforms are typically retaining a massive 50% of interest earned by customers on their savings for themselves.

The hidden 5.4% fixed bond that's only available if you already have an NS&I account

Interest rates on one-year fixed bond were slashed by a whopping 0.23 percentage points to 5.13% between November and December.

Want a wealthier 2024? You need one of these top cash Isas

With savings rates soaring, tax-free Individual Savings Accounts, or Isas, are a more valuable part of a savers' armoury than they have been...

Why your nest egg is growing nearly as fast as before the 2008 crash, SYLVIA MORRIS explains

Thanks to the falling cost of living there are now more than 1,100 accounts, including easy access and fixed rate bonds, which beat the rate...

How to make your Isa a flexible friend and beat the savings tax raid: SYLVIA MORRIS

Flexible Isas allow you to take money out and put it back within the same tax year without it counting towards your annual Isa allowance.

EXCLUSIVESpread your cash Isa across banks ahead of new rules: Hargreaves Lansdown first to offer split allowance

From today, Hargreaves Lansdown's Active Savings will allow savers to spread their Isa allowance across banks, easy-access, limited access...

4MILLION of us pay tax on our interest -and there's absolutely no need! THE SAVINGS GURU

There are over four million accounts where savers are at risk of paying tax on their interest, up nearly a million within just six months.

Chip launches cash Isa paying a 4.75% rate - is it any good?

Savers can now put money away tax-free with the the savings and investment app Chip, after it launched an easy-access cash Isa.

Avoid savings deals at top of best-buy tables - unless you make these checks first

Banks and building societies use all sorts of tricks to get to the top of the tables so those that do will not necessarily prove the best...

Got more than £20,000 saved up? Here are the top accounts to open right now

There's good news for all of you who long to use a cash Isa as a nest egg and have been waiting for providers to step up to the plate.

Want a quick boost for your savings? Try these top rates few know about

For savers seeking to squeeze every last drop of interest from their nest egg, there's a new place to look. For the first time I can...

There's no rule to stop banks paying awful rates: SYLVIA MORRIS names the worst offenders

Savers who nabbed the top- paying easy-access Isa from Santander last year enjoyed a rate of 3.2%, but after one year it drops to a dismal...

Why it could be time for savers to snap up 5% two-year fixes: Savings expert SYLVIA MORRIS explains

We savers love an easy-access account. There is £910bn of savings sitting in them - over three times the £269bn in fixed-rate bonds.

Don't bank on your cash Isa beating inflation: How to track down the best rates this year

Good interest rates are all well and good: but if they are lower than inflation, the value of your nest egg will still be eroded over time.

Did you spot smoke and mirrors trick that Santander pulled last week? SYLVIA MORRIS explains

Santander, which has more than 14m customers, said it was acting proactively as it slashed one of its top savings rates by a massive 20%.

Don't sift through 530 cash Isas to beat next week's deadline... pick one of these, says SYLVIA MORRIS

You only have a few days left if you want to find the best place for your Isa allowance of up to £20,000 for this tax year before it...

How to transfer an Isa: What you need to know, why you should never just pull money out and how to switch from cash to stocks and shares or...

An Isa transfer allows people to move funds from one Isa provider to another without losing the tax-free benefits - but savers will need to...

Don't let banks roll your Isa into an easy access account paying just 1.5%, says SYLVIA MORRIS

Savers poured billions of pounds into fixed-rate deals this time last year. The most popular accounts are coming to the end of their term.

NS&I log-in problems persist for four days and it claims it was NOT a cyber attack

It's not known how many of its 24 million customers were unable to log in to access savings accounts and Premium Bonds on Saturday.

Tax trap on new NS&I British Savings Bonds when you pay in just £7,700

Savers who put £7,705 into NS&I's new British Savings Bonds could be landed with a tax bill in three years' time, due to how they are...

I'm a savings expert and here's why I believe NS&I will have to boost Premium Bond prizes

NS&I's new British Savings Bond, announced with much fanfare in the spring Budget, turns out to be just another three-year bond with a...

Will your bank let you open more than one cash Isa? We reveal the giants ignoring new rules

Isas already allow you to earn tax-free interest on up to £20,000 each tax year. But under recent reforms, they are now supposed to be more...

Why the Virgin Money takeover may mean BETTER Nationwide savings rates - SYLVIA MORRIS explains

Nationwide's takeover of Virgin Money is hitting the headlines as thousands of customers protest that they will not get a vote on whether it...

Looking to fix your savings? A two-year deal is my tip, says SYLVIA MORRIS

A new savings sweet spot has emerged, and short-sighted savers could miss out on higher returns if they stick with the ever popular one-year...

Savers rush to open new savings accounts paying up to 5.05% - should you? SYLVIA MORRIS explains

Limited access accounts are surging in popularity. Last week Paragon came out with a new version which propelled it to the top of the best...

Should you join rush to savings  platforms that offer top deals? SYLVIA MORRIS

Savings platforms tell me they are becoming ever-more popular.  And they are determined to bring their wares to a wider public.

How much you need in Premium Bonds to win the £1m jackpot? (It's less than you might think)

We analysed data from the past 50 Premium Bond draws and the 100 millionaires created over that time - stretching back to May 2020

My golden rules for picking a regular savings account: SYLVIA MORRIS

Regular savings accounts are accounts designed for savers who put money aside every month and reward them with a generous interest rate.

Now is the time to bite the bullet and lock your savings away for longer, says SYLVIA MORRIS

With the inflation dragon appearing to have been slain, falling to the 2% target in recent data, there is a risk that savings rates could...

Some lucky NS&I savers have earnt 11.11% - but is now the time to switch? SYLVIA MORRIS

While soaring inflation has ravaged savers' nest eggs recently, one group has remained unaffected - the holders of Index-Linked Savings...

What savers must do now before a Labour Budget targets their nest eggs: SYLVIA MORRIS

Take cover. Our savings are likely to be in the line of fire over the next five years as the new Labour government turns its guns on finding...

Watch out if you have one of these nine easy-access accounts: SYLVIA MORRIS

Savers, be on your guard. Rates on some easy-access accounts are already being cut, reducing the reward for prudent saving significantly.

How 225,000 lucky NS&I savers can get an astounding 5.15%: SYLVIA MORRIS

Anyone who is one of the 225,000 savvy savers who snapped up Guaranteed Growth or Income Bonds last summer is being given a second bite at...

The trick we used to get £1,300 of FREE money in six months

You are more likely to get divorced than change your bank account. But Paul and Rosie Murray-West made £1,300 by moving their bank accounts.

Unlikely names now offering top fixed Isa rates? The big High Street banks! SYLVIA MORRIS

For the first time in years, big banks are finally paying top rates on fixed-rate Isas. But, as usual with High Street banks, there's a...

Choosing a junior savings account is far from child's play. Here are my tips: SYLVIA MORRIS

A host of banks and building societies offer accounts, under names such as Junior, Child or Young Saver. But they have very different uses.

Best banks to use if you're looking after savings for an elderly relative: SYLVIA MORRIS

If someone gives you power of ­attorney, it means you have a legal ­document that allows you to organise their financial affairs when they...

Why that bank letter full of jargon could be hiding an interest rate rip-off: SYLVIA MORRIS explains

Are you happy earning between 1.2% and 1.75% on your savings? That's all you get on an easy access current account with a High Street bank.

Tell tale signs it may be time to lock away savings - and why three years is a sweet spot: SYLVIA MORRIS

Now could be an excellent time to bag a fixed-rate bond - if the latest murmurings from the Bank of England are anything to go by.

Could Labour stage a Budget tax raid on Isas? How to protect yours

Chancellor Rachel Reeves (pictured) is set to follow through with Sir Keir Starmer's ­warning that those with the 'broadest shoulders' will...

From £100 to £100k, where to stash YOUR cash savings to get the best returns: SYLVIA MORRIS

MIillions of savers are facing higher tax bills on their savings over the next five years - but there are a few easy steps you can take to...

After Bank of England rate cut, why you'll need to act fast to avoid a mediocre deal: SYLVIA MORRIS reveals how

As the Bank of England reduced the base rate last week, most savings providers couldn't move fast enough to pass on the cut to their...

Can't find a bank that offers joint savings accounts? Try these paying up to 4.65%: SYLVIA MORRIS

Who would have thought it would be difficult to open a joint account? Well it is, judging by the number of readers telling me of their...

Chance to have your say on flawed Lifetime Isas as part of cross-party review

The Lifetime Individual Savings Account was launched eight years ago to help people save for their first home or boost their retirement...

The five psychological blocks that make it impossible for some people to save money: VICKY REYNAL

Saving money is often less about financial know-how and more about addressing the emotional and psychological factors that drive our...

The big banks totally ignoring Isa rules that you can open as many as you like, revealed by SYLVIA MORRIS

You can now open as many Isas as you like in the same tax year - if you don't exceed your £20,000 maximum annual allowance.

End of the passbook at Nationwide as building society plans to replace them with cards

Nationwide says fewer than 2% of its members use physical notebooks in which deposits and withdrawals are recorded when made at a counter.

Hands off our Isas: Readers are raging over Chancellor's plans and poll shows just 15% would switch to shares

Anne Wilkinson from Barnard Castle (pictured with husband Ian) said she would be 'extremely cross' if the annual allowance for cash Isas was...

Why I'd choose a fixed rate Isa despite the lower rates: SYLVIA MORRIS

The market for savings products is a bit more nuanced at the moment - and requires a different tactic to earn the most interest over the...

Four top savings accounts I love - because the rate WON'T plummet, says SYLVIA MORRIS

Providers hope you will be pulled in by an enticing rate - often northwards of 5% - without looking at what hoops you must jump through to...

EXCLUSIVESeven words from Rachel Reeves that have convinced me she's set to slash your cash Isa: JEFF PRESTRIDGE

The end of the tax year is looming large on the horizon, which means the mad scramble to use our annual Isa allowance before April 5 has...

The price of Bitcoin is plunging... so is this the perfect time to invest? The world's leading experts give their answer

The digital currency has fallen by more than a quarter in value since a high of $106,000 in January, even in spite of a jump to $90,000 last...

My battle plan to ride out the TRUMP SLUMP - and make your investments great again: JEFF PRESTRIDGE

In recent days, the US stock market has been seriously rattled by the antics of gunslinger Donald Trump and his America-first approach.

Don't let your bank pull this sneaky trick to cut your rate, says SYLVIA MORRIS

If I ask you to do one thing this week it's to check on the interest rate of your savings account to make sure it is still fit for purpose.

Five golden rules you MUST follow to build a tax-free super Isa - and maximise your allowance

Individual savings accounts have been a prized tool for savvy savers for the past 26 years - and cash Isas are more valuable than ever.

How much you should have in an Isa at each age - are you on track?

Here's how to check if your Isa stacks up, based on the average for your age group and emergency fund needs.

You ARE entitled to compensation if your online banking is hit by an outage: SYLVIA MORRIS explains how

Bank websites and apps seem to go down all the time at the moment, leaving their customers unable to access their own money.

Starling bank blocking its OWN customers from opening savings accounts

When retired restaurateur Adrian Cox was invited with his wife Christine to a family wedding in Italy next year, he decided to open a...

Which Isa is right for you? There are now FIVE types - but our quiz makes the choice simple

Whether you're saving for the holiday of a lifetime or a retirement that's still decades off, Isas are an ideal place to build up a nest...

You can now open unlimited number of Isas each tax year: Here's how to use the new rules to boost your returns

Since April last year savers have been able to open an unlimited number of Isas. You can even hold multiple versions of the same type with...

Buried in the Spring Statement - sign that Premium Bond prize rate could soon rise: SYLVIA MORRIS

The Spring Statement revealed National Savings & Investments has been tasked with bringing in more money for the Government this year.

Cash Isa rates hiked as high as 5.92% by Plum, Chip and CMC: Which is the new best buy?

Isa providers have engaged in a week-long battle to win customers by offering boosted rates, ahead of the new tax year on 6 April.

Beat the base rate cut: Secure a cash Isa savings BONUS before it's too late

The base rate has gone down but cash Isa bonuses are still available from two providers, giving you the opportunity to beat the base rate...

All the savings rates that have been slashed since base rate cut, including Chip and Plum

Rate cuts are usually bad news for savers, as banks reduce the interest paid on their savings accounts. We look at some of the rates which...

I'm ditching my Premium Bonds to get a better rate. But my husband's holding on to his - so who's right?

In February NS&I announced it would cut the Premium Bond prize rate from 4% to 3.8% from April, although the odds will stay at 22,000 to 1.

IG offers a huge 8.5% rate on cash savings - is it worth taking?

IG is offering savers a boosted three-month 8.5% rate on cash, but you have to jump through a few hoops to access the deal. Read more about...

Premium Bond holders typically wait at least three-and-a-half years to win a prize

Each £1 bond purchased from the Treasury-owned bank NS&I has only a 22,000-to-one chance of winning, with the average return 3.8% a year.

Labour is staging a pincer movement on your savings - here's what you must do NOW before cash Isas are crushed: JEFF PRESTRIDGE

Millions of households are bracing themselves for changes that will reduce their financial resilience and result in them paying higher tax...

Map that shows winners of £100m in unclaimed Premium Bonds prizes: There's ELEVEN £100,000 bounties up for grabs

For the first time on record, the total number of prizes yet to be claimed has tipped beyond £100 million, at National Savings and...

Why I'm now convinced the Premium Bond prize rate will be slashed in October: SYLVIA MORRIS

National Savings & Investments announced that it has raised £2.5bn from us between April and June - the first quarter of its financial year.

NS&I cuts rate on one-year savings fix meaning it lags even further behind the best buy deals

National Savings & Investments has launched a new one-year fixed-rate bond for those wanting to lock their money away.

Has your cash Isa bonus evaporated? The best rates to switch to NOW

If you took out an Isa in April your three-month bonus will be long gone - so it's a good idea to check your rate and switch if you can....

New trick to get top Isa rates - without all the hassle and paperwork: SYLVIA MORRIS

Getting the best rates on your savings can be a convoluted business. The number of deals to choose from has hit a record 2,289.

FSCS protection: How your savings, investments and pension are kept safe

In the very unlikely event that your bank, building society or credit union goes bust, you should get your savings back thanks to FSCS...

EXCLUSIVELabour's plan to cut cash Isas is a tax raid by another name, says Shadow Chancellor MEL STRIDE

The Chancellor is considering slashing the tax-free limit on cash Isas - a move that would hit millions of careful savers across Britain.

You must grab this incredible savings account now - as I fear it won't be around for long: SYLVIA MORRIS

A new savings account is looking like an increasingly good deal - but you may have to move quickly if you want to take advantage.

Think maxing out in Premium Bonds is daft? Reeves' looming Isa raid might change your mind, says SYLVIA MORRIS

Growing numbers of savers are stuffing the maximum amount permitted into Premium Bonds - and on the face of it, that seems like a crazy...

Generous Premium Bond prize rate is on borrowed time - what you should do now: SYLVIA MORRIS

NS&I has kept the Premium Bonds prize rate at 3.6% since August. Meanwhile, we've had two cuts in the base rate, from 4.25% to 3.75 %.

How to make the most of your savings whether you've got £100, £10,000 or £100,000: SYLVIA MORRIS

The best accounts for you will depend on how much you have in savings, how quickly you need to access it and whether you are at risk of...

Britain's 100 worst savings accounts revealed. Our money experts have scrutinised 2,000 accounts at EVERY big bank... here's the shameful...

They all pay a pittance - at best just 1.51pc - despite the Bank of England base rate standing at 3.75pc.

The banks that'll give you up to £500 AND free private healthcare if you switch: Why now is the most lucrative time to switch current...

Now is the most lucrative time to switch current accounts in years. Banks are offering sweeteners of up to £500 if you change your account...

Why the deadline to open an Isa is actually March 26 this year: SYLVIA MORRIS

If you're leaving it until the last minute to open a cash Isa, you may need to act before March 26 - a full ten days before the deadline.

Don't settle for less than 4% on your new cash Isa this tax year - before Reeves slashes the allowance to £12,000, says SYLVIA MORRIS

This is the last year for most that you can put your £20,000 allowance into a cash Isa. From this time next year, under-65s will have a...

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