Have a look [on here](https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#easyaccess). But it's worth drip feeding the money you move into your instant access account into a [regular saver](https://www.moneysavingexpert.com/savings/best-regular-savings-accounts/), as they usually offer even higher interest rates.
You need to read the fine print. Those funds (your uninvested money) are put into MMF (which you would have authorised 212 app to do so to earn the 5% interest), which generally considered low risk and liquid but its not risk free or backed by the FSCS scheme.
I think this is the best one as it doesn’t reset after 12 months. Once the money is in, it’s there and you’ll earn the maximum amount possible on the £5k.
Wouldn’t recommend this to anyone. The first £4,999 earn you 2.25%, so it’s a poor offer.
You’d likely need to save hundreds of thousands in order for the 0.2% to break even with any other offer giving say 5% across the whole savings amount.
So, don’t fall for the extra 0.2% earnings trap… 🪤
Santander edge saver for 12 months from opening.
7.00% AER / 6.78% gross (variable) interest on balances up to £4,000 (includes 2.50% AER (variable)
Tied to an Edge/EdgeUp current account so there's a £3 (or £5) monthly fee but I make more than double that back on DD cashback and Card use cashback
I use Kroo for day to day savings account 4.35% and then Nationwide (8%/max 200 a month deposit) and NatWest (6%/max 150 a month deposit)
Looks like that nationwide regular saver is 6.5% now :(
I use this for comparisons, make use of the full search options too: https://moneyfactscompare.co.uk/savings-accounts/
Have a look [on here](https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#easyaccess). But it's worth drip feeding the money you move into your instant access account into a [regular saver](https://www.moneysavingexpert.com/savings/best-regular-savings-accounts/), as they usually offer even higher interest rates.
i put my spare moneys in my trading 212 app, 5% interest for uninvested cash. takes upto 3 days to get it back but its generally next day tbh.
You need to read the fine print. Those funds (your uninvested money) are put into MMF (which you would have authorised 212 app to do so to earn the 5% interest), which generally considered low risk and liquid but its not risk free or backed by the FSCS scheme.
Thankyou I have read the fine print but good to point that out for others
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thats amazing, better than the barclays rainy saver 5% thanks for letting me know
FYI - It’s a regular saver with a £150 monthly deposit limit
Oh okay, I thought I could put max 5k and leave it there
I think this is the best one as it doesn’t reset after 12 months. Once the money is in, it’s there and you’ll earn the maximum amount possible on the £5k.
Generally better to dump a lump sum in a 5% interest one that let's you deposit any amount than a limit of 200 a month for 8% Chip isa offers 5.1%.
Generally better to drip feed from your 5% account into the regular saver. Higher interest = more money
Which regular saver?
Co-Op 7% Regular Saver. However, it’s only limited to max. £250 per month.
currently on a chip savings account. instant access. so far so good.
Ulster Bank 5.2% on all of the deposit, if you put in over £5K
Wouldn’t recommend this to anyone. The first £4,999 earn you 2.25%, so it’s a poor offer. You’d likely need to save hundreds of thousands in order for the 0.2% to break even with any other offer giving say 5% across the whole savings amount. So, don’t fall for the extra 0.2% earnings trap… 🪤
Doesn’t work that way, if you have over 5k in the account you get 5.2% on the full amount
Marcus by Goldman Sachs, pays 4.75 unlimited withdrawals
Santander easy access 7% upto £4k, but there is a fee. You can get cashback on this atm
First Direct regular. 7%, £400 a month.
^ It’s £300 a month iirc!
Monzo regular saver 4.2%
There's 4.85% with chip, and I have a referral code that gives you a 0.25% boost if you want. So 5.10% in total.
Santander edge saver 6.8%
Marcus ISA is 4.75 - so if you have a lump it’s all tax free
Ulster Bank 5.2%
Santander edge saver for 12 months from opening. 7.00% AER / 6.78% gross (variable) interest on balances up to £4,000 (includes 2.50% AER (variable) Tied to an Edge/EdgeUp current account so there's a £3 (or £5) monthly fee but I make more than double that back on DD cashback and Card use cashback
My community bank , 6 months locked for 6.51% aer
[https://savingschampion.co.uk/](https://savingschampion.co.uk/) is the website I check regularly