Find a savings account that works for you.
| Interest rate | What's it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Cash ISA Saver | From 1.10% tax-free/ AER (variable) including a 0.20% bonus for 12 months | Tax-free savings with easy access | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
| Interest rate | What's it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Save Well Limited Access ISA | 3.00% tax-free/ AER (variable) | Tax-free savings with a higher rate in months without withdrawals | Instant | Open from £1 with a 1 year term | Withdrawals reduce the interest earned for that month to 0.25% AER
|
| Interest rate | What's it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Fixed Rate Cash ISA | 4.45% tax-free/ AER (fixed) | Lock money away for 18, 24 or 36 months at a guaranteed, tax-free rate | Withdrawal charges apply1 | Open from £1 - £1,000,000 (Subject to ISA allowance) | All deposits, including transfers, must be received within 30 days of opening your account
|
| Interest rate | What's it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Junior Cash ISA | 3.15% tax-free/ AER (variable) | Tax-free savings for children under 18 | No withdrawals until the child is 18 | Open from £1. Save up to £9,000 tax-free for tax year 2026/2027 | Use the transfer form to move funds from another Junior ISA to maintain tax-free status |
ISA information
- Interest earned on your ISA does not count towards any Personal Savings Allowance that may apply to you
- Tax treatment depends on your individual circumstances and may change
- Tax-free is the contractual rate of interest payable where interest is exempt from income tax
- Cash ISA Saver, Save Well Limited Access ISA and Fixed Rate ISA: the tax free ISA allowance is £20,000 for 2026/2027
1. Charge equivalent to:
- 135 days tax free interest on the amount withdrawn for the 18 month Fixed Rate Cash ISA
- 180 days tax free interest on the amount withdrawn for the 2 Year Fixed Rate Cash ISA
- 270 days tax free interest on the amount withdrawn for the 3 Year Fixed Rate Cash ISA
Junior Cash ISA tax free information:
- Tax free ISA allowance is £9,000 for 2026/2027
- Interest earned on the child’s ISA does not count towards any Personal Savings Allowance that may apply to the child
- The tax treatment of each account depends on the child’s individual circumstances and may change
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Save Well Limited Access Account | 3.00% AER (variable) | Savings with a higher interest rate in months without withdrawals | Instant | Open from £1 | Withdrawals reduce the interest earned for that month to 0.24%/0.25% Gross/ AER |
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Savings Pots | From 1.45% AER (variable) | Savings linked to Spend & Save accounts to organise your money and set goals | Instant | Open from £1 and save up to £100,000 per pot | Spend & Save Plus account holders will earn 1.55% AER on Savings Pots |
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Monthly Saver | 5.00% AER (fixed) 12 month term | Save regularly by standing order for our highest rate | Instant | Save between £25-£250 each month1 | You’ll need a TSB current account. |
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| eSavings | From 1.00% AER (variable) including a 0.10% bonus for 12 months | No frills, easy-access savings managed fully online | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Easy Saver | From 1.00% AER (variable) including a 0.10% bonus for 12 months | No frills, easy-access savings | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
Instant access account information
1 Monthly Saver: Deposit between £25 up to £250 by standing order each month. One account per person & cannot replace money withdrawn
- You can make withdrawals from any account at any of our branches but you can only make payments from the account to another TSB current or savings account in your name with us (or in the case of a joint account, in any of your names)
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Fixed Rate Cash ISA | 4.45% tax-free/ AER (fixed) | Lock money away for 18, 24, or 36 months at a guaranteed, tax-free rate | Withdrawal charges apply1 | Open from £1 - £1,000,000 (Subject to ISA allowance) | All deposits, including transfers, must be received within 30 days of opening your account |
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Fixed Rate Bonds | 4.45% Gross/ AER (fixed) | Lock money away for 1, 2, or 3 years at a guaranteed rate | No access before the end of your term | Open from £1 - £1,000,000 | All deposits must be received within 10 working days of opening your account |
Fixed Rates And Fixed Rate Cash ISAs account information
- Fixed Rate Bonds and Fixed Rate ISAs interest rates quoted are for interest paid annually
- Fixed Rate Cash ISAs tax-free allowance:
- The tax free ISA allowance is £20,000 for 2026/2027
- Interest earned on your ISA does not count towards any Personal Savings Allowance that may apply to you
- Tax treatment depends on your individual circumstances and may change
- Tax-free is the contractual rate of interest payable where interest is exempt from income tax
1 Charge equivalent to:
- 135 days tax free interest on the amount withdrawn for the 18 month Fixed Rate Cash ISA
- 180 days tax free interest on the amount withdrawn for the 2 Year Fixed Rate Cash ISA
- 270 days tax free interest on the amount withdrawn for the 3 Year Fixed Rate Cash ISA
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Young Saver | 2.75% AER (variable) on balances up to £19,999.99 | Instant access savings for children under 16 | Instant | Open from £1 | On balances higher than £19,999.99 you’ll earn 0.90% Gross/0.90% AER (Variable)
|
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Junior Cash ISA | 3.15% tax-free/ AER (variable) | Tax-free savings for children under 18 | No withdrawals until the child is 18 | Open from £1. Save up to £9,000 tax-free for tax year 2026/2027 | Use the transfer form to move funds from another Junior ISA to maintain tax-free status
|
Children’s savings account information
Junior Cash ISA tax free information:
- Tax free ISA allowance is £9,000 for 2026/2027
- Interest earned on the child’s ISA does not count towards any Personal Savings Allowance that may apply to the child
- The tax treatment of each account depends on the child’s individual circumstances and may change
Cash ISAs
| Interest rate | What's it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Cash ISA Saver | From 1.10% tax-free AER (variable) including a 0.20% bonus for 12 months | Tax-free savings with easy access | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
| Save Well Limited Access ISA | 3.00% tax-free AER (variable) | Tax-free savings with a higher rate in months without withdrawals | Instant | Open from £1 with a 1 year term | Withdrawals reduce the interest earned for that month to 0.25% AER
|
| Fixed Rate Cash ISA | 4.45% tax-free AER (fixed) | Lock money away for 18, 24 or 36 months at a guaranteed, tax-free rate | Withdrawal charges apply1 | Open from £1 - £1,000,000 (Subject to ISA allowance) | All deposits, including transfers, must be received within 30 days of opening your account
|
| Junior Cash ISA | 3.15% tax-free AER (variable) | Tax-free savings for children under 18 | No withdrawals until the child is 18 | Open from £1. Save up to £9,000 tax-free for tax year 2026/2027 | Use the transfer form to move funds from another Junior ISA to maintain tax-free status |
ISA information
- Interest earned on your ISA does not count towards any Personal Savings Allowance that may apply to you
- Tax treatment depends on your individual circumstances and may change
- Tax-free is the contractual rate of interest payable where interest is exempt from income tax
- Cash ISA Saver, Save Well Limited Access ISA and Fixed Rate ISA: the tax free ISA allowance is £20,000 for 2026/2027
1. Charge equivalent to:
- 135 days tax free interest on the amount withdrawn for the 18 month Fixed Rate Cash ISA
- 180 days tax free interest on the amount withdrawn for the 2 Year Fixed Rate Cash ISA
- 270 days tax free interest on the amount withdrawn for the 3 Year Fixed Rate Cash ISA
Junior Cash ISA tax free information:
- Tax free ISA allowance is £9,000 for 2026/2027
- Interest earned on the child’s ISA does not count towards any Personal Savings Allowance that may apply to the child
- The tax treatment of each account depends on the child’s individual circumstances and may change
Instant Access Savings Accounts
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Save Well Limited Access Account | 3.00% AER (variable) | Savings with a higher interest rate in months without withdrawals | Instant | Open from £1 | Withdrawals reduce the interest earned for that month to 0.24%/0.25% Gross/ AER |
| Savings Pots | From 1.45% AER (variable) | Savings linked to Spend & Save accounts to organise your money and set goals | Instant | Open from £1 and save up to £100,000 per pot | Spend & Save Plus account holders will earn 1.55% AER on Savings Pots |
| Monthly Saver | 5.00% AER (fixed) 12 month term | Save regularly by standing order for our highest rate | Instant | Save between £25-£250 each month1 | You’ll need a TSB current account. |
| eSavings | From 1.00% AER (variable) including a 0.10% bonus for 12 months | No frills, easy-access savings managed fully online | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
| Easy Saver | From 1.00% AER (variable) including a 0.10% bonus for 12 months | No frills, easy-access savings | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
Instant access account information
1 Monthly Saver: Deposit between £25 up to £250 by standing order each month. One account per person & cannot replace money withdrawn
- You can make withdrawals from any account at any of our branches but you can only make payments from the account to another TSB current or savings account in your name with us (or in the case of a joint account, in any of your names)
Fixed Rate Savings Accounts
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Fixed Rate Cash ISA | 4.45% tax-free AER (fixed) | Lock money away for 18, 24, or 36 months at a guaranteed, tax-free rate | Withdrawal charges apply1 | Open from £1 - £1,000,000 (Subject to ISA allowance) | All deposits, including transfers, must be received within 30 days of opening your account |
| Fixed Rate Bonds | 4.45% Gross/AER (fixed) | Lock money away for 1, 2, or 3 years at a guaranteed rate | No access before the end of your term | Open from £1 - £1,000,000 | All deposits must be received within 10 working days of opening your account |
Fixed Rates And Fixed Rate Cash ISAs account information
- Fixed Rate Bonds and Fixed Rate ISAs interest rates quoted are for interest paid annually
- Fixed Rate Cash ISAs tax-free allowance:
- The tax free ISA allowance is £20,000 for 2026/2027
- Interest earned on your ISA does not count towards any Personal Savings Allowance that may apply to you
- Tax treatment depends on your individual circumstances and may change
- Tax-free is the contractual rate of interest payable where interest is exempt from income tax
1 Charge equivalent to:
- 135 days tax free interest on the amount withdrawn for the 18 month Fixed Rate Cash ISA
- 180 days tax free interest on the amount withdrawn for the 2 Year Fixed Rate Cash ISA
- 270 days tax free interest on the amount withdrawn for the 3 Year Fixed Rate Cash ISA
Children’s Savings Accounts
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Young Saver | 2.75% AER (variable) on balances up to £19,999.99 | Instant access savings for children under 16 | Instant | Open from £1 | On balances higher than £19,999.99 you’ll earn 0.90% Gross/0.90% AER (Variable)
|
| Junior Cash ISA | 3.15% tax-free AER (variable) | Tax-free savings for children under 18 | No withdrawals until the child is 18 | Open from £1. Save up to £9,000 tax-free for tax year 2026/2027 | Use the transfer form to move funds from another Junior ISA to maintain tax-free status
|
Children’s savings account information
Junior Cash ISA tax free information:
- Tax free ISA allowance is £9,000 for 2026/2027
- Interest earned on the child’s ISA does not count towards any Personal Savings Allowance that may apply to the child
- The tax treatment of each account depends on the child’s individual circumstances and may change
Cash ISAs
| Interest rate | What's it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Cash ISA Saver | From 1.10% tax-free AER (variable) including a 0.20% bonus for 12 months | Tax-free savings with easy access | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
| Save Well Limited Access ISA | 3.00% tax-free AER (variable) | Tax-free savings with a higher rate in months without withdrawals | Instant | Open from £1 with a 1 year term | Withdrawals reduce the interest earned for that month to 0.25% AER
|
| Fixed Rate Cash ISA | 4.45% tax-free AER (fixed) | Lock money away for 18, 24 or 36 months at a guaranteed, tax-free rate | Withdrawal charges apply1 | Open from £1 - £1,000,000 (Subject to ISA allowance) | All deposits, including transfers, must be received within 30 days of opening your account
|
| Junior Cash ISA | 3.15% tax-free AER (variable) | Tax-free savings for children under 18 | No withdrawals until the child is 18 | Open from £1. Save up to £9,000 tax-free for tax year 2026/2027 | Use the transfer form to move funds from another Junior ISA to maintain tax-free status |
ISA information
- Interest earned on your ISA does not count towards any Personal Savings Allowance that may apply to you
- Tax treatment depends on your individual circumstances and may change
- Tax-free is the contractual rate of interest payable where interest is exempt from income tax
- Cash ISA Saver, Save Well Limited Access ISA and Fixed Rate ISA: the tax free ISA allowance is £20,000 for 2026/2027
1. Charge equivalent to:
- 135 days tax free interest on the amount withdrawn for the 18 month Fixed Rate Cash ISA
- 180 days tax free interest on the amount withdrawn for the 2 Year Fixed Rate Cash ISA
- 270 days tax free interest on the amount withdrawn for the 3 Year Fixed Rate Cash ISA
Junior Cash ISA tax free information:
- Tax free ISA allowance is £9,000 for 2026/2027
- Interest earned on the child’s ISA does not count towards any Personal Savings Allowance that may apply to the child
- The tax treatment of each account depends on the child’s individual circumstances and may change
Instant Access Savings Accounts
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Save Well Limited Access Account | 3.00% AER (variable) | Savings with a higher interest rate in months without withdrawals | Instant | Open from £1 | Withdrawals reduce the interest earned for that month to 0.24%/0.25% Gross/ AER |
| Savings Pots | From 1.45% AER (variable) | Savings linked to Spend & Save accounts to organise your money and set goals | Instant | Open from £1 and save up to £100,000 per pot | Spend & Save Plus account holders will earn 1.55% AER on Savings Pots |
| Monthly Saver | 5.00% AER (fixed) 12 month term | Save regularly by standing order for our highest rate | Instant | Save between £25-£250 each month1 | You’ll need a TSB current account. |
| eSavings | From 1.00% AER (variable) including a 0.10% bonus for 12 months | No frills, easy-access savings managed fully online | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
| Easy Saver | From 1.00% AER (variable) including a 0.10% bonus for 12 months | No frills, easy-access savings | Instant | Open from £1 | Rates depend on your balance — higher balances earn more interest
|
Instant access account information
1 Monthly Saver: Deposit between £25 up to £250 by standing order each month. One account per person & cannot replace money withdrawn
- You can make withdrawals from any account at any of our branches but you can only make payments from the account to another TSB current or savings account in your name with us (or in the case of a joint account, in any of your names)
Fixed Rate Savings Accounts
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Fixed Rate Cash ISA | 4.45% tax-free AER (fixed) | Lock money away for 18, 24, or 36 months at a guaranteed, tax-free rate | Withdrawal charges apply1 | Open from £1 - £1,000,000 (Subject to ISA allowance) | All deposits, including transfers, must be received within 30 days of opening your account |
| Fixed Rate Bonds | 4.45% Gross/AER (fixed) | Lock money away for 1, 2, or 3 years at a guaranteed rate | No access before the end of your term | Open from £1 - £1,000,000 | All deposits must be received within 10 working days of opening your account |
Fixed Rates And Fixed Rate Cash ISAs account information
- Fixed Rate Bonds and Fixed Rate ISAs interest rates quoted are for interest paid annually
- Fixed Rate Cash ISAs tax-free allowance:
- The tax free ISA allowance is £20,000 for 2026/2027
- Interest earned on your ISA does not count towards any Personal Savings Allowance that may apply to you
- Tax treatment depends on your individual circumstances and may change
- Tax-free is the contractual rate of interest payable where interest is exempt from income tax
1 Charge equivalent to:
- 135 days tax free interest on the amount withdrawn for the 18 month Fixed Rate Cash ISA
- 180 days tax free interest on the amount withdrawn for the 2 Year Fixed Rate Cash ISA
- 270 days tax free interest on the amount withdrawn for the 3 Year Fixed Rate Cash ISA
Children’s Savings Accounts
| Interest rate | What’s it for | Access | Limits | Info | |
|---|---|---|---|---|---|
| Young Saver | 2.75% AER (variable) on balances up to £19,999.99 | Instant access savings for children under 16 | Instant | Open from £1 | On balances higher than £19,999.99 you’ll earn 0.90% Gross/0.90% AER (Variable)
|
| Junior Cash ISA | 3.15% tax-free AER (variable) | Tax-free savings for children under 18 | No withdrawals until the child is 18 | Open from £1. Save up to £9,000 tax-free for tax year 2026/2027 | Use the transfer form to move funds from another Junior ISA to maintain tax-free status
|
Children’s savings account information
Junior Cash ISA tax free information:
- Tax free ISA allowance is £9,000 for 2026/2027
- Interest earned on the child’s ISA does not count towards any Personal Savings Allowance that may apply to the child
- The tax treatment of each account depends on the child’s individual circumstances and may change
Important Information
Since 6 April 2016 you can also earn tax-free interest on money held in savings or current accounts. There's an overall limit to the total amount of tax-free interest you're allowed to earn on all your savings, across all the different providers and accounts you may have.
The Personal Savings Allowance is £1,000 for basic rate tax payers and £500 for higher rate tax payers. Additional rate tax payers do not receive a Personal Savings Allowance.
The Annual Equivalent Rate (AER) shows what the interest would be if the interest was paid and added to the account once each year. It lets you compare savings accounts easily. Gross rate means that credit interest is paid without income tax being deducted. Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
Tax-free means the interest paid will be free from UK Income Tax. The tax advantages depend on your individual circumstances and the tax treatment of your ISA may change in the future.
You need to be 16+ and UK resident to open most of our savings accounts. To open Savings Pots and TSB ISAs you’ll need to be 18 or over. For children under 16 please see specific pages for opening procedures.
