Best Ê¿°×¤Ê Àܶá Ãù¶â Ψs 2024
- The web's best Ãù¶â ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ës
- ´°Á´¤Ë ÆÈΩ¤·¤¿¡¦Ìµ½ê° and unique
- Accounts with catches are stripped out or shown ʬ¤«¤ì¤Æ?
- ¼ý½¸¤¹¤ëd by Ãù¶â ÀìÌç²È Sylvia Morris ?
- Unlike other ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ës, providers cannot »Ùʧ¤¦¡¿Ä¶â to appear
Ê¿°×¤Ê Àܶá | ľ¤¹¡¿Çã¼ý¤¹¤ë¡¤È¬É´Ä¹¤ò¤¹¤ëd Ψs | Cash Isas | Ãù¶â ÃÅ¡¦¹ËÎΡ¦¸øÌós | ·îËè¤Î income |
Phone / ͹ÊؤΠ| Junior Isas / children's | ²¹ç¤¤¤Î¡¿³¤³°¤Î | ¹ñ²È¤Î Ãù¶â | ¾ÞÍ¿¶â ¼ÒºÄs |
?
Type of account (min Åê»ñ) | ? | 0% ÀǶâ | 20% ÀǶâ | ? | 40% ÀǶâ |
---|---|---|---|---|---|
Accounts WITHOUT ÆÃÊ̼êÅö - These Ψs are not ¾å¤²¤ëd by a °ì»þŪ¤Ê ÆÃÊ̼êÅö | ? | ||||
Oxbury Bank Ê¿°×¤Ê ÀÜ¶á ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê ÈÇ 1 (¡ò20,000+)? | ? | 5.02? | 4.02? | ? | 3.01? |
ȾƳÂÎÁÇ»Ò (¡ò1+) (18)* | ? | 5.01 | 4.01 | ? | 3.01 |
Monument Bank (¡ò25,000+)? | ? | 5.01? | 4.01? | ? | 3.01? |
Yorkshire BS Online ±«¤Î Day Account (¡ò1+) (12)?? | ? | 5.00 | 4.00 | ? | 3.00 |
Kent °Í¸ Ê¿°×¤Ê Àܶá 70 (¡ò1,000+)? | ? | 4.96? | 3.97? | ? | 2.98? |
Oxbury Bank (¡ò1,000+) (16)? | ? | 4.94? | 3.95? | ? | 2.96? |
¼Ú¤êÀڤ롿·û¾Ï Ãù¶â Bank Ê¿°×¤Ê Acess 50 (¡ò5,000+)? | ? | 4.93? | 3.94? | ? | 2.95? |
Paragon Bank ÆóÎÝÂÇ Àܶá 8 (¡ò1,000+)(8)? | ? | 4.91? | 3.93? | ? | 2.95? |
Wealthify Instant Àܶá Ãù¶â (¡ò1+)? | ? | 4.91? | 3.93? | ? | 2.95? |
Wombat G B Bank Base Ψ Tracker (¡ò500)? | ? | 4.91? | 3.93? | ? | 2.95? |
Aldermore ÆóÎÝÂÇ Àܶá (¡ò1,000+) (8)? | ? | 4.9 | 3.92 | ? | 2.94 |
°ÂÁ´¤Ê¡¦Êݾڤ¹¤ë ¿®ÍÑ Àܶá 13 (¡ò1+)? | ? | 4.9? | 3.92 | ? | 2.94? |
Coventry BS £³Çܤˤʤë Àܶá Saver ( Online) 4 (¡ò1+) (6)? | ? | 4.83? | 3.86? | ? | 2.9? |
Family BS Market Tracker Saver (¡ò500+)? | ? | 4.81 | 3.85 | ? | 2.89 |
Harpenden BS Online Instant Àܶá 1 (¡ò100+)? | ? | 4.81 | 3.85 | ? | 2.89 |
Scottish BS E-Saver ²Ã¤¨¤ë (¡ò100+) (14)? | ? | 4.81? | 3.85 | ? | 2.89? |
Saffron BS E Saver 20 (¡ò10+)? | ? | 4.8 | 3.84? | ? | 2.88 |
Yorkshire BS Ê¿°×¤Ê-Àܶá Saver (¡ò1+)? | ? | 4.8 | 3.84 | ? | 2.88 |
RCI Bank Freedom Ãù¶â?(¡ò100+)? | ? | 4.75 | 3.8 | ? | 2.85 |
Saffron BS Enviro Saver 2 (¡ò10+) (9)?? | ? | 4.75 | 3.8 | ? | 2.85 |
Investec Online Flexi Saver (¡ò5,000+)? | ? | 4.7 | 3.58 | ? | 2.68 |
Shawbrook Bank Ê¿°×¤Ê Àܶá 38 (¡ò1,000+)? | ? | 4.7 | 3.58 | ? | 2.68 |
Ford Money ½ÀÆð¤Ê Saver (¡ò1+)? | ? | 4.6 | 3.68 | ? | 2.76 |
? | ? | ? | ? | ? | ? |
BONUS accounts - »Ùʧ¤¦¡¿Ä¶â a ÆÃÊ̼êÅö for the first 12 months or more. R ates ´Þ¤à the ÆÃÊ̼êÅö? | |||||
Cahoot Sunny Saver (¡ò1-¡ò3,000)? | ? | 5.2? | 4.16? | ? | 3.12? |
Tandem Instant Àܶá Saver (¡ò1+) (15) | ? | 4.9 | 3.92 | ? | 2.94 |
Cynergy Bank Online Ê¿°×¤Ê Àܶá 76 (¡ò1+)(2)? | ? | 4.85 | 3.88 | ? | 2.91 |
Principality BS Online ÆÃÊ̼êÅö £³Çܤˤʤë Àܶá (¡ò1+) (6)? | ? | 4.75? | 3.8? | ? | 2.85? |
? | ? | ? | ? | ? | ? |
*?If you open a n account using links which have an asterisk, This is Money will earn an (v)Äó·È¤µ¤»¤ë(n)»ÙÉô¡¤²ÃÆþ¼Ô ¡ÊÇäÇã¡Ë¼ê¿ôÎÁ¡¤°ÑÂ÷¡Ê¤¹¤ë¡Ë¡¿°Ñ°÷²ñ¡¿¸¢¸Â.?We do not µö¤¹ this to ±Æ¶Á¤¹¤ë¡¿´¶¾ð our ÊÔ½¸¡Ê¼Ô¡Ë¤Î independence nor will it ¾×·â the Íø±×¡¿¶½Ì£ Ψ you receive.? | |||||
(1) Ψ ´Þ¤às a 0.34 point ÆÃÊ̼êÅö? | |||||
(2)?´Þ¤às a 1.1 ɴʬΨ point ÆÃÊ̼êÅö for the first 12 months | |||||
(3) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to one űÂà a year? | |||||
(4) The Ψ of Íø±×¡¿¶½Ì£ is Êݾڡʿ͡Ëd to Àפò¤Ä¤±¤ë 0.19 ɴʬΨ points below the Bank of England base Ψ for 24 months? | |||||
(5) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to six űÂàs a year. | |||||
(6) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to three űÂàs a year? | ? | ? | |||
(7) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to one űÂà each calendar month | ? | ? | |||
(8) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to making two űÂàs a year? | ? | ? | |||
(9) Society »Ùʧ¤¦¡¿Ä¶âs an Éղà 0.1 per cent to an ´Ä¶¤Î charity?? | ? | ? | |||
(10) Ψ Íî¤Á¤ës to 1.25 per cent after 12 months? | ? | ? | |||
(11) This Ψ is the '¿äÄꤹ¤ë¡¿Í½ÁÛ¤¹¤ëd Íø±×¡Ê¤ò¤¢¤²¤ë¡Ë Ψ' under Sharia compliant accounts.? | ? | ? | |||
(12)??This Ψ is paid on the first ¡ò10,000 in the account. On balances above that you earn 3.90 per cent. You can only ¿È¤ò°ú¤¯ money on two days a year. | ? | ? | |||
(14) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to four ²òÊü¤¹¤ë¡¿¼«Í³¤Ê űÂàs a year? | ? | ? | |||
(15) ÍøÍѤǤ¤ë through banking app only. ´Þ¤às a 0.25 point ÆÃÊ̼êÅö payable for a year. ¸ºß¤¹¤ëing ¸ÜµÒs need to ask to have the ÆÃÊ̼êÅö Äɲ乤ëd. | ? | ? | |||
(16) When you make a űÂà you must tell the bank by 1 pm if you want the money »Ù±ç¤¹¤ë the same day? | ? | ? | |||
(18) App only. Money will be held b y the UK authorised bank ClearBank. | ? | ? | |||
(21) ´Þ¤às a ÆÃÊ̼êÅö of 3.15 ɴʬΨ points for 12 months? | ? | ? | |||
(22) Your account will change into an ordinary Ê¿°×¤Ê Àܶá account on 23rd September 2025? | ? | ? |
Type of account (min Åê»ñ) | 0% ÀǶâ | 20% ÀǶâ | ? | 40% ÀǶâ |
---|---|---|---|---|
Accounts WITHOUT ÆÃÊ̼êÅö - These Ψs are not ¾å¤²¤ëd by a °ì»þŪ¤Ê ÆÃÊ̼êÅö that ¸º¾¯¡Ê¤¹¤ë¡Ës off after a year | ? | ? | ? | ? |
Yorkshire BS ±«¤Î Day 2 Account (¡ò1+) (11)?? | 5.00 | 4.00 | ? | 3.00 |
Kent °Í¸ Ê¿°×¤Ê Àܶá 70 (¡ò1,000+)? | 4.96? | 3.97? | ? | 2.98? |
Family BS Market Tracker Saver (¡ò500+)? | 4.81? | 3.85 | ? | 2.89 |
Scottish BS Saver ²Ã¤¨¤ë (¡ò100+) (13)? | 4.81? | 3.85 | ? | 2.89 |
Monmouthshire BS ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê Àܶá Saver 1 (¡ò1+) (5) | 4.8? | 3.84 | ? | 2.88 |
Cambridge BS Your Saver (¡ò100+) (10) | 4.65 | 3.72 | ? | 2.79 |
Chorley BS Ê¿°×¤Ê Àܶá Saver (¡ò500+)(2)? | 4.6? | 3.68? | ? | 2.76 |
Principality BS »ÙŹ 5 Àܶá ÆÃÊ̼êÅö Saver 2 (¡ò1+)(8)? | 4.6? | 3.68? | ? | 2.76? |
Coventry BS £³Çܤˤʤë Àܶá Saver 3 (¡ò1+) (5)? | 4.58? | 3.66 | ? | 2.75 |
Nottingham BS ÆóÎÝÂÇ Àܶá Saver (¡ò1,000+)(2)? | 4.55? | 3.64? | ? | 2.73? |
Newcastle BS Dou ble Àܶá Saver 3 (¡ò1+)(2)? | 4.5? | 3.6 | ? | 2.7 |
Tipton BS ÆóÎÝÂÇ Àܶá Saver (¡ò1,000+)(2)? | 4.35? | 3.48? | ? | 2.61? |
The Melton ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê Àܶá Saver (¡ò1,000+) (5)? | 4.25? | 3.4? | ? | 2.55? |
Newbury BS welcome to Newbury (¡ò50+)? | 4.25 | 3.4 | ? | 2.55 |
Swansea BS Instant Àܶá Saver (¡ò1+)? (4) | 4.25 | 3.4 | ? | 2.55? |
Harpenden BS £³Çܤˤʤë Àܶá Saver (¡ò100+) (5)?? | 4.15? | 3.28 | ? | 2.46 |
ʪ±¢¡¿É÷²¼d BS Five Àܶá Saver (¡ò5,000+)(8)? | 4.15 | 3.28? | ? | 2.46? |
Newbury BS ¾åµé¤Î Saver (¡ò500+) (1)? | 4.13 | 3.30 | ? | 2.48? |
Buckinghamshire BS £³Çܤˤʤë Àܶá Saver (¡ò100+)(5)? | 4.1 | 3.28 | ? | 2.46 |
Tipton BS ÆóÎÝÂÇ Àܶá Saver (¡ò100+) (2) | 3.95? | 3.16? | ? | 2.37? |
Cumberland BS Instant Ãù¶â 8 (¡ò100+) | 3.9 | 3.12 | ? | 2.34 |
Marsden BS »ÙŹ Saver 13 (¡ò25+)? | 3.85? | 3.08? | ? | 2/31? |
Scottish BS Instant Àܶá Saver (¡ò1+)? | 3.85 | 3.08 | ? | 2.31 |
Bath BS Instant Àܶá (¡ ò1+) (6)? | 3.84 | 3.07 | ? | 2.30 |
Skipton BS Ê¿°×¤Ê Àܶá Saver 2 (¡ò1+)? | 3.8? | 3.04 | ? | 2.28 |
? | ? | ? | ? | ? |
BONUS accounts - »Ùʧ¤¦¡¿Ä¶â a ÆÃÊ̼êÅö for the first 12 months or more. Ψs ´Þ¤à the ÆÃÊ̼êÅö? | ? | ? | ||
? | ? | ? | ||
(1)?Only ÍøÍѤǤ¤ë to those age 55 or over | ||||
(2) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to two űÂàs a year? | ||||
(3) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to making six űÂàs a year. | ? | ? | ||
(4) Only ÍøÍѤǤ¤ë to ¸ºß¤¹¤ëing ¸ÜµÒs and new applicants living in ¤à¤Á¤ÎÀ×s | ? | ? | ||
(5) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to making three űÂàs a year? | ? | ? | ||
(6) ÍøÍѤǤ¤ë to those who live, work or ½Ï¹Í¤¹¤ë¡¿¹Íθ¤¹¤ë in Bath | ? | ? | ||
(7) The Ψ of Íø±×¡¿¶½Ì£ is Êݾڡʿ͡Ëd to Àפò¤Ä¤±¤ë 0.19 ɴʬΨ points below the Bank of England base Ψ for 24 months? | ? | ? | ||
(8) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to making five űÂàs a year? | ? | ? | ||
(10) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to one űÂà each calendar month?? | ? | ? | ||
?(11) This Ψ is paid on the first ¡ò10,000 in the account. On balances above?that you earn 3.90 per cent. You can only ¿È¤ò°ú¤¯ money on two days a year | ? | ? | ||
(12) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to one űÂà a year? | ? | ? | ||
(13) You are ¸Â¤é¤ì¤¿¡¿Î©·ûŪ¤Ê to four űÂàs a year? | ? | ? |
* ¸ø¼°Ê¸½ñ¡¤Ç§¤á¤ë: From April 2018, ÀǶâ ž´¹s will ŬÍѤ¹¤ë only to taxpayers living in England, ¤à¤Á¤ÎÀ×s and Northern Ireland. Scottish taxpayers are »ÙÇÛ¤¹¤ë to different ½êÆÀÀÇ Î¨s after this date.
THIS IS MONEY'S FIVE OF THE BEST SAVINGS DEALS
ȾƳÂÎÁÇ»Ò* »Ùʧ¤¦¡¿Ä¶âs 4.84% to »Ù¤¨¤ë¤â¤Î¡¿½êͼÔs of its ¡Æinstant Àܶá account¡Ç. The account can be opened with just ¡ò1. Its app only. Money will be held by the UK authorised bank ClearBank.
¼Ú¤êÀڤ롿·û¾Ï Ãù¶â Bank »Ùʧ¤¦¡¿Ä¶âs 5.08% to »Ù¤¨¤ë¤â¤Î¡¿½êͼÔs of its ¡ÆÊ¿°×¤Ê-Àܶá Ãù¶â account¡Ç. The account can be opened with ¡ò1,000.
MBNA »Ùʧ¤¦¡¿Ä¶âs a Ψ of 5.27% on its one-year ľ¤¹¡¿Çã¼ý¤¹¤ë¡¤È¬É´Ä¹¤ò¤¹¤ëd Ψ Ãù¶â account. This ¼è°ú¡¤¶¨Äê must be opened online on MBNA¡Çs website and then managed by phone. The ºÇ¾®¸Â deposit is ¡ò1,000.
Raisin UK* is home to a 5.05% one-year ľ¤¹¡¿Çã¼ý¤¹¤ë¡¤È¬É´Ä¹¤ò¤¹¤ëd Ψ Ãù¶â account. It is ¿½¤·¹þ¤à¡¿¿½¤·½Ðd by one of its partner banks Paragon Bank. You can open the account online ·Ðͳ¤Ç Raisin¡Çs Ãù¶â ÃÅ¡¦¹ËÎΡ¦¸øÌó with a ºÇ¾®¸Â deposit of ¡ò1,000.
Hampshire ¿®ÍÑ Bank »Ùʧ¤¦¡¿Ä¶âs 5% to »Ù¤¨¤ë¤â¤Î¡¿½êͼÔs of its ¡Ætwo-year ľ¤¹¡¿Çã¼ý¤¹¤ë¡¤È¬É´Ä¹¤ò¤¹¤ëd Ψ ¼è°ú¡¤¶¨Äê¡Ç. The account can be opened online with a ºÇ¾®¸Â deposit of ¡ò1.
?Dear Reader,
These ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ës are unique on the web. They are ÆÈΩ¤·¤¿¡¦Ìµ½ê° and providers are not ·³Ââd to »Ùʧ¤¦¡¿Ä¶â to appear, which is typically the »öÎã¡¿´µ¼Ô at big comparison ¾ì½ê¡¿°ÌÃÖs.??
ÆÈΩ¤·¤¿¡¦Ìµ½ê° Ãù¶â ÀìÌç²È: Sylvia Morris
They are ´°Á´¤Ë unbiased - we ´Êñ¤Ë show the best Ψs around and don't do 'featured ¼è°ú¡¤¶¨Äês'.
We've gone a step ¤½¤Î¾å¤Î, too. To feature in the best buys on variable Ψ accounts in our Ãù¶â ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ës, an account must give you Ê¿°×¤Ê Àܶá to your money and come with no hidden catches.
In the past we have ¼Âह¤ëd to ´Þ¤à accounts where the Ψ is ¾å¤²¤ëd by a short-¾Î¤¹¤ë¡¤¸Æ¤Ö¡¿´ü´Ö¡¿ÍѸì ÆÃÊ̼êÅö or those with over-À©¸Â¤¹¤ë ¾ò·ïs so you only earn the advertised Ψ if you make three or ¤¤¤Ã¤½¤¦¾¯¤Ê¤¯ űÂàs a year.
But with Íø±×¡¿¶½Ì£ Ψs so low, most of today's best ¼è°ú¡¤¶¨Äês have some sort of ¾ò¹à built in, whether that's a ÆÃÊ̼êÅö or a À©¸Â on űÂàs.
For that ¿äÏÀ¤¹¤ë¡¿Íýͳ, we've ´Þ¤àd decent ÆÃÊ̼êÅös as long as they last for at least 12 months. This is to Èò¤±¤ë you having to switch your account too often when short-¾Î¤¹¤ë¡¤¸Æ¤Ö¡¿´ü´Ö¡¿ÍѸì ÆÃÊ̼êÅös run out.
If there is a À©¸Â on űÂàs we have made this ¡Êµ¿¤¤¤ò¡ËÀ²¤é¤¹ in the ¸ø¼°Ê¸½ñ¡¤Ç§¤á¤ës on each account.
We also ignore old-style 'notice' accounts where the bank or building society can ¼ûÍס¦Í׵᤹¤ë you give up to six months' notice that you want to take our money out while it can change the Ψ at any time without ·Ù¹ð.
All banks and building societies are ÅÐÏ¿¡Ê¤¹¤ë¡Ëd with the ºâÀ¯¾å¤Î ¹Ô°Ù¡¿¹Ô¤¦ Åö¶É and Ä´°õ¤¹¤ëd up to the ºâÀ¯¾å¤Î Services Êä½þ¡Ê¶â¡Ë ·×²è¡¿±¢ËÅ, either ľÀÜ¡¿¤Þ¤Ã¤¹¤°¤Ë (Êݸ¤ëing up to ¡ò85,000) or ·Ðͳ¤Ç its ¥Ñ¥¹¥Ý¡¼¥È ·×²è¡¿±¢ËÅ (where the Êä½þ¡Ê¶â¡Ë ¸Â³¦ depends on the bank's home country. In Europe it is ?100,000).
If you have a question about the ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ës email sy.morris@dailymail.co.uk?and?editor@thisismoney.co.uk
Sylvia Morris
This is Money Ãù¶â ¡ÊÊÆ¡Ëê¾å¤²¤¹¤ë¡¿¡Ê±Ñ¡ËÄóµÄ¤¹¤ës ÀìÌç²È