Top Picks from UK Digital Banks:
In recent years, online-only banks have become a popular choice for savers looking for best high interest savings accounts UK. These digital banks often offer competitive rates with the convenience of managing your savings entirely online. Whether you’re after instant access to your funds or prefer a fixed-term deposit, there are several options available to help grow your savings.
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1. Revolut – Instant Access Savings Account
- Interest Rate: 5.00% AER (Variable)
- Access: Instant access with no withdrawal penalties
- Deposit Requirements: No minimum deposit; unlimited maximum
- Compensation Scheme: FSCS protected
Apply Here: Sign up for Revolut’s Instant Access Savings Account and start earning 5.00% AER today!
Overview: Revolut offers one of the highest interest rates in the market for easy access to savings. Moreover, it requires no minimum deposit, so you can start saving right away. Additionally, the flexibility to withdraw funds at any time makes it an ideal choice for savers who want to keep their money liquid while earning a solid return. Therefore, if you’re looking for flexibility and high returns, Revolut is certainly worth considering. In conclusion, this account offers excellent benefits for savers seeking both growth and ease of access. The “best high interest savings accounts UK 2025” typically focus on these key features, and Revolut certainly stands out in this category.
2. Monzo – Instant Access Savings Account (Best High Interest Savings Accounts UK)
- Interest Rate: 4.75% AER (Variable)
- Access: Instant access
- Deposit Requirements: No minimum deposit; unlimited maximum
- Compensation Scheme: FSCS protected
Apply Here: Sign up for Monzo’s Instant Access Savings Account and start earning 4.75% AER today!
Overview: Monzo’s Instant Access Savings Account is a user-friendly option with an impressive interest rate. In addition, it offers no minimum deposit and provides the flexibility to access your savings whenever you need. On the other hand, the lack of physical branches might not be ideal for everyone. However, if you value convenience and seamless mobile management, Monzo could be a great fit. Furthermore, the app’s simplicity makes it one of the easiest savings options available. For those searching for the best high-interest savings accounts UK 2025, Monzo’s offering is certainly a strong contender.
3. Plum – Easy-Access Savings Account
- Interest Rate: 4.60% AER (Variable)
- Access: Instant access
- Deposit Requirements: Minimum deposit of £1; no maximum
- Compensation Scheme: FSCS protected
Apply Here: Start saving with Plum and earn 4.60% AER today!
Overview: Plum offers an easy-access savings account with an attractive interest rate and the convenience of managing your savings through their mobile app. Moreover, Plum’s AI-powered savings assistant automatically helps you save without thinking. As a result, this hands-off approach can help you build your savings without much effort. In addition, the app rounds up your spending to save small amounts, allowing you to reach your savings goals faster. Therefore, if you’re looking for a smart, automated way to save, Plum is an excellent choice.
4. Chip – Easy-Access Savings Account
- Interest Rate: 5.00% AER (Variable)
- Access: Instant access
- Deposit Requirements: Minimum deposit of £1; no maximum
- Compensation Scheme: FSCS protected
Apply Here: Sign up for Chip’s Easy-Access Savings Account and earn 5.00% AER today!
Overview: Chip’s easy-access savings account offers 5.00% AER, one of the best rates available in 2025. Moreover, it has no withdrawal penalties, making it a flexible option. In addition, Chip’s unique AI technology allows you to save automatically, taking the guesswork out of saving. Therefore, if you want to save effortlessly, Chip offers an effortless experience. When looking for the best high-interest savings accounts UK 2025, Chip certainly delivers on both flexibility and high returns.
5. Tandem – Instant Access Savings Account
- Interest Rate: 4.50% AER (Variable)
- Access: Instant access with no withdrawal penalties
- Deposit Requirements: No minimum deposit; unlimited maximum
- Compensation Scheme: FSCS protected
Apply Here: Sign up for Tandem’s Instant Access Savings Account and start earning 4.50% AER today!
Overview: Tandem offers a straightforward instant-access savings account with a solid interest rate. In addition, there are no minimum deposit requirements, giving you more flexibility to save what you can. On the other hand, the interest rate is slightly lower than other competitors. However, it’s still a great option for anyone who values ease of use and no-fee access to their savings. Moreover, Tandem’s intuitive app ensures you can manage your savings quickly and efficiently. Tandem offers a solid and hassle-free option.
6. Zopa – Easy-Access Savings Account (Best High Interest Savings Accounts UK)
- Interest Rate: 4.75% AER (Variable)
- Access: Instant access with no penalties
- Deposit Requirements: No minimum deposit; unlimited maximum
- Compensation Scheme: FSCS protected
Apply Here: Open a Zopa Easy-Access Savings Account today and earn 4.75% AER!
Overview: Zopa’s easy-access savings account offers a competitive interest rate and the ability to access your funds whenever you need. Furthermore, Zopa’s simple app interface allows you to manage your account easily. Therefore, it’s a strong contender for savers who prefer straightforward, no-fuss banking. As a result, if you want a high-interest rate with no complexities, Zopa has it all covered.
7. Starling Bank – Instant Access Savings Account
- Interest Rate: 4.50% AER (Variable)
- Access: Instant access with no fees
- Deposit Requirements: No minimum deposit; unlimited maximum
- Compensation Scheme: FSCS protected
Apply Here: Sign up for Starling’s Instant Access Savings Account and start earning 4.50% AER today!
Overview: Starling Bank provides a flexible and easy-to-use instant-access savings account. As a result, you can start saving immediately with no minimum deposit. Additionally, the bank’s app allows you to manage your savings on-the-go. However, it’s important to note that the interest rate is slightly lower compared to other options. On the other hand, Starling is great if you’re looking for a straightforward, mobile-friendly savings account.
8. Revolut – Vaults Savings Account
- Interest Rate: 4.25% AER (Variable)
- Access: Instant access
- Deposit Requirements: No minimum deposit; unlimited maximum
- Compensation Scheme: FSCS protected
Apply Here: Open a Revolut Vaults Savings Account today and start earning 4.25% AER!
Overview: Revolut Vaults allow you to round up spare change from purchases and save it automatically. Moreover, this option lets you access your funds instantly, giving you flexibility. Therefore, it’s a great choice for those who want an automatic savings solution with a competitive interest rate. Furthermore, Revolut offers a range of other financial tools, which can be beneficial for managing your finances in one place. Revolut is a solid option.
9. Marcus by Goldman Sachs – Online Savings Account
- Interest Rate: 4.30% AER (Variable)
- Access: Instant access
- Deposit Requirements: No minimum deposit; unlimited maximum
- Compensation Scheme: FSCS protected
Apply Here: Sign up for Marcus by Goldman Sachs and earn 4.30% AER!
Overview: Marcus by Goldman Sachs offers an online savings account with competitive rates and no fees. As a result, it’s a solid option for those looking for a simple, straightforward savings account. Additionally, Marcus provides a secure and trusted platform for managing your funds. Therefore, if you prefer a no-fuss option with guaranteed returns, Marcus stands out.
10. Atom Bank – Fixed Savings Account
- Interest Rate: 4.10% AER (Fixed for 1 year)
- Access: Fixed-term deposit
- Deposit Requirements: Minimum deposit of £1,000; no maximum
- Compensation Scheme: FSCS protected
Apply Here: Open an Atom Bank Fixed Savings Account and lock in 4.10% AER!
Overview: Atom Bank offers a fixed-rate savings account with a 1-year term and a guaranteed interest rate. On the other hand, the fixed term means you won’t have access to your savings until the end of the term. However, if you’re looking for a secure investment with a guaranteed return, Atom’s fixed savings account is a good choice. In conclusion, if you’re comfortable locking away your savings for a fixed term, Atom offers an attractive rate.
Conclusion – Best High Interest Savings Accounts UK – Digital Banks
These online-only digital banks offer some of the best high interest savings accounts in the UK as of 2025. Therefore, whether you’re looking for instant-access savings or fixed-term deposits, there’s an option for every type of saver. Moreover, with flexible features and competitive interest rates, digital banks make it easier than ever to grow your savings. In addition, managing your money with these online platforms is fast, secure, and convenient.
Sign up through the links provided and start earning great returns today.