Save for the short term, long term, for you, or your children. Whatever your goals are, compare our savings accounts to find the right one.
Cash ISAs
Earn tax-free interest on your savings
- Up to 3.88% Tax Free/ 3.95% AER fixed (for an 18 Month Fixed Rate Cash ISA)
- Save up to £20,000 each tax year, and earn interest tax-free
Instant access
Dip into your savings whenever you need to
- Up to 6.00% gross/AER fixed for 12 months (for a Monthly Saver)
- Build your savings, and access it if you need to
Fixed rates
Save with a set interest rate for a fixed time
- Up to 4.00% gross/AER fixed (for a 1 Year Fixed Rate Bond)
- Save a lump sum at a fixed interest rate for your chosen amount of time
Save for a child
Put money aside for your child's future
- Up to 3.55% tax free/AER variable (for a Junior Cash ISA)
- Encourage children to start saving from a young age
Savings guides
ISAs in a nutshell
Find out what ISAs are, what makes them tax-efficient, who can open one, plus more.
Types of savings accounts
Do you know your ISAs from your JISAs? Or perhaps you want to know what an instant access account or fixed bond accounts are.
Is your savings rate ending soon?
If you have a Fixed Rate Cash ISA or Fixed Bond savings account that’s coming to an end, then there are a few options that you can pick from.
Supporting access to cash
We partner with LINK and Cash Access UK to ensure our customers can easily access their cash.
Find the best way to withdraw cash
Use LINK's cash locator to find the best way to take cash out in your area.
Need better access in your community?
Find out about LINK and how they can improve access to cash in your community.
Any questions?
The ‘Base Rate’ is set by the Bank of England and is the interest rate that it charges on money lent to banks and building societies. They review it regularly and it can go up or down.
Whether your interest rate could be affected by a change to the Base Rate will depend on what type of savings account you have – fixed rate or variable rate.
Fixed rate accounts won’t be affected – your interest rate won’t change.
Variable rate accounts could be affected – your interest rate might change. That’s because we review the interest rates we offer on variable rate accounts regularly and the Base Rate is one of a number of things that we’ll take into account. So if the Base Rate changes, we could decide to change our savings rates. If we decide to lower your rate, we’ll tell you before this happens.
Please visit our savings rates page.
An ISA (Individual Savings Account) is a tax efficient way to save or invest. Unlike other savings accounts you don’t pay tax on money held in an ISA, regardless of your balance or how much income tax you pay.
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.
Since 6 April 2016, you have a Personal Savings Allowance, which means your interest is paid gross (without taking off tax).
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.
If you earn more interest than the Personal Savings Allowance, you may have to pay additional tax yourself.
If your savings account can be held in joint names, you can add additional parties at your nearest branch. You'll both need to go into a branch so that you can provide proof of identity and address in person.
You can remove a joint account holder from a savings account by visiting us in branch or by booking a video call. Please bring along your account details and proof of identity.
Please visit our helpful information page to find out what you need to open an account.
View our guidance on how to top up an existing TSB Cash ISA.
Please visit our close an account page.
Please visit our Save the Pennies page.
Please visit our inactive accounts page.
Please visit our compare accounts page.
If your savings account can be held in joint names, you can add additional parties at your nearest branch. You'll both need to go into a branch so that you can provide proof of identity and address in person. Visit our branch locator to find your local branch.
Need any help?
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Use the TSB Mobile Banking App to get help with queries 24/7.
Give us a call
Lines open 8am - 8pm Monday to Sunday.
Visit us in branch
It’s easy for you to pop in and manage your finances.
Important Information
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.
You need to be 16+ and UK resident to open most of our savings accounts with the exception of Savings Pots and TSB ISAs. For children under 16 please see specific pages for opening procedures.
