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Sainsbury's Money savings rates
2 accounts listed. The highest rate is 4.35% AER on the Instant Access Saver (Nectar rate) (easy access, including a bonus for 1 year).
FSCS protection: up to £120,000 per person across everything you hold with National Westminster Bank Plc, which also trades as NatWest, Ulster Bank, AA Savings and Saga Savings. Money in those counts towards the same limit.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Instant Access Saver (Nectar rate)Includes bonus | 4.35% | Easy access | £1 |
| Instant Access SaverIncludes bonus | 4.25% | Easy access | £1 |
Compare Sainsbury's Money with every other bank
Who holds the money
- Deposit-taker
- Sainsbury's Money, a trading name of National Westminster Bank Plc
- Incorporated in
- United Kingdom
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 121878)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £22,685m at 31 December 2025 (latest published accounts).
- Website
- money.sainsburys.co.uk. Every "Go to bank" link we show for Sainsbury's Money leads only to this domain.
This page lists every Sainsbury's Money account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.