UK resident for tax purposes aged 18+ with a UK current account in your name. Apply online; manage online or in the GB Bank app. 21-day funding window. Monthly interest option at a lower gross rate (4.52% gross monthly).
Interest paid
When the term ends
Manage by
Online, Mobile app
FSCS licence
GB Bank Limited
Deposit-taker
GB Bank, a trading name of GB Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 850286)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £110m at 30 September 2025, for its group (latest published accounts).
Habib Bank Zurich (UK) HBZ 6 Months Fixed eDepositFixed for 6 months · from £5,000Beats inflationMust nominate a UK bank account in your nameDetails for Habib Bank Zurich (UK) HBZ 6 Months Fixed eDeposit
Access
No withdrawals or closure until the term ends, except in exceptional circumstances such as death.
Maximum
£1,000,000
Conditions
Must nominate a UK bank account in your name. Apply online, then transfer funds within 30 days; no online banking for the eDeposit (confirmation certificate by email).
Interest paid
When the term ends
Manage by
Online
FSCS licence
Habib Bank Zurich Plc
Deposit-taker
Habib Bank Zurich (UK), a trading name of Habib Bank Zurich Plc
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 627671)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £120m at 31 December 2024 (latest published accounts).
No early withdrawals or additional deposits once open.
Maximum
£1,000,000
Conditions
Expected profit rate, not interest. UK resident aged 18+ with a UK bank account; apply online. Rates indicative and subject to availability, as of 23 October 2026.
Interest paid
When the term ends
Manage by
Online
FSCS licence
Bank of London and The Middle East plc
Deposit-taker
Bank of London and The Middle East (BLME), a trading name of Bank of London and The Middle East plc
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 464292)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £224.1m at 31 December 2025 (annual report 2025)
LHV Bank 6 Month Fixed Rate BondFixed for 6 months · from £1,000Beats inflationNeeds the bank's current accountDetails for LHV Bank 6 Month Fixed Rate Bond
Access
No withdrawals during the term.
Maximum
£1,000,000
Conditions
Aged 18+, sole accounts only. Requires an LHV current account; apply in the LHV Bank app.
Interest paid
When the term ends
Manage by
Mobile app
FSCS licence
LHV BANK LIMITED
Deposit-taker
LHV Bank, a trading name of LHV BANK LIMITED
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 993767)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £107m at 31 December 2025 (latest published accounts).
Early closure allowed: interest paid for the time held at the published rate for that period, less 0.5%.
Conditions
Personal accounts; opened in a branch or by post. If you don't hold a PNB current account, a no-fee savings account is opened alongside. Rates from 13 October 2026.
Interest paid
When the term ends
Manage by
Branch, Post
FSCS licence
Punjab National Bank (International) Limited
Deposit-taker
PNB International, a trading name of Punjab National Bank (International) Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 459701)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £163m at 31 March 2025 (latest published accounts).
No early withdrawals or additional deposits once open.
Maximum
£1,000,000
Conditions
Expected profit rate, not interest. UK resident aged 18+ with a UK bank account; apply online. Rates indicative and subject to availability, as of 23 October 2026.
Interest paid
When the term ends
Manage by
Online
FSCS licence
Bank of London and The Middle East plc
Deposit-taker
Bank of London and The Middle East (BLME), a trading name of Bank of London and The Middle East plc
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 464292)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £224.1m at 31 December 2025 (annual report 2025)
Early-withdrawal terms are not stated on the bank's rates page.
Maximum
£100,000
Conditions
Rate applies to any term 6 months to under 1 year; termMonths shows the shortest term in the band. Retail rates apply to deposits up to £100,000 (page: 'applicable for Retail Customers for deposit upto 100000'). Open at a UK branch (London, Birmingham, Leicester, Wembley, Glasgow); no online application shown. Interest payment frequency and early-withdrawal terms not stated on the rates page. Rates w.e.f. 11/09/2026 as printed.
Interest paid
Once a year
Manage by
Branch
FSCS licence
Bank of India
Deposit-taker
Bank of India (UK), a trading name of Bank of India
Incorporated in
India
Principal place of business
United Kingdom (UK branch, 63 Queen Victoria Street, London EC4N 4UA)
Regulated
Yes, by the Prudential Regulation Authority, Financial Conduct Authority and Reserve Bank of India (FRN 204629)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £7.4bn (shareholders' equity of Bank of India, of which the UK operation is a branch) at 31 March 2026 (latest published accounts).
No withdrawals before maturity except with the bank's consent.
Conditions
Apply and operate in branch (London); an online e-application form is offered. Tiered: £2,000-£49,999.99 earns 3.53% AER; £50,000+ earns 3.84% AER. Rates table says 'All rates are for information only'. Interest payment timing not read on the summary box; inferred from AER vs gross.
Interest paid
When the term ends
Manage by
Branch
FSCS licence
The Bank of East Asia, Limited
Deposit-taker
BEA UK, a trading name of The Bank of East Asia, Limited
Incorporated in
Hong Kong
Principal place of business
United Kingdom (London branch)
Regulated
Yes, by the Hong Kong Monetary Authority, Prudential Regulation Authority and Financial Conduct Authority (FRN 204628)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Its parent bank's paid-up capital and reserves were HK$105,335m at 31 December 2025 (latest published accounts).
Membership required: you must work for a listed employer (e.g. British Airways, IAG, the armed forces, MOD, some councils and hospitals), work in a listed sector (aviation and travel, public services, health and care, education, transport and logistics, and more), or belong to a listed organisation (e.g. major trade unions, the AA, RAC, National Trust, English Heritage, RSPB or the Co-op). Membership fee £10 a year. Minimum balance £1,000.
Interest paid
Once a year
Manage by
Online, Phone
FSCS licence
Plane Saver Credit Union Limited
Deposit-taker
Plane Saver, a trading name of Plane Saver Credit Union Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 213609)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Capital and reserves of £5.3m at 30 September 2024 (latest published accounts).
No withdrawals before maturity except with the bank's consent.
Conditions
Apply and operate in branch (London); an online e-application form is offered. Tiered: £2,000-£49,999.99 earns 3.34% AER; £50,000+ earns 3.65% AER. Rates table says 'All rates are for information only'. Interest payment timing not read on the summary box; inferred from AER vs gross.
Interest paid
When the term ends
Manage by
Branch
FSCS licence
The Bank of East Asia, Limited
Deposit-taker
BEA UK, a trading name of The Bank of East Asia, Limited
Incorporated in
Hong Kong
Principal place of business
United Kingdom (London branch)
Regulated
Yes, by the Hong Kong Monetary Authority, Prudential Regulation Authority and Financial Conduct Authority (FRN 204628)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Its parent bank's paid-up capital and reserves were HK$105,335m at 31 December 2025 (latest published accounts).
Withdrawals normally only at maturity; early closure only in exceptional circumstances with the bank's approval.
Conditions
New customers must be resident in Northern Ireland; existing Danske customers must be UK resident. Aged 18+. Must hold a Danske current account or instant access savings account for the full term. Rate shown is for balances £5,000-£249,999.
Interest paid
When the term ends
Manage by
Branch, Phone, Online
FSCS licence
Northern Bank Limited
Deposit-taker
Danske Bank, a trading name of Northern Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 122261)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £969m at 31 December 2025 (latest published accounts).
No withdrawals before maturity except with the bank's consent.
Conditions
Apply and operate in branch (London); an online e-application form is offered. Tiered: £2,000-£49,999.99 earns 3.24% AER; £50,000+ earns 3.55% AER. Rates table says 'All rates are for information only'. Interest payment timing not read on the summary box; inferred from AER vs gross.
Interest paid
When the term ends
Manage by
Branch
FSCS licence
The Bank of East Asia, Limited
Deposit-taker
BEA UK, a trading name of The Bank of East Asia, Limited
Incorporated in
Hong Kong
Principal place of business
United Kingdom (London branch)
Regulated
Yes, by the Hong Kong Monetary Authority, Prudential Regulation Authority and Financial Conduct Authority (FRN 204628)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Its parent bank's paid-up capital and reserves were HK$105,335m at 31 December 2025 (latest published accounts).
No withdrawals during the term; early closure only in limited cases, with loss of interest.
Conditions
UK resident aged 16+ with an existing Bank of China (UK) account. Opened in a UK branch. Rates fixed from 11 September 2026; higher rates for larger deposits.
Interest paid
When the term ends
Manage by
Branch, Online
FSCS licence
Bank of China (UK) Limited
Deposit-taker
Bank of China (UK), a trading name of Bank of China (UK) Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 467410)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £414m at 31 December 2024 (latest published accounts).
Aged 18 or over, permanent UK resident (not Channel Islands or Isle of Man) and tax-resident only in the UK. Must hold a UK current account and a UK mobile number. Sole accounts only. Interest at maturity; monthly interest option pays 3.02% AER.
Interest paid
When the term ends
Manage by
Online
FSCS licence
Conister Bank Limited
Deposit-taker
Conister Bank, a trading name of Conister Bank Limited
Incorporated in
Isle of Man
Principal place of business
Isle of Man (UK branch: Basingstoke)
Regulated
Yes, by the Isle of Man Financial Services Authority, Prudential Regulation Authority and Financial Conduct Authority (FRN 619002)
Protection and disputes
Financial Services Compensation Scheme (deposits held by its UK establishment) and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £49.2m at 31 December 2025 (latest published accounts).
Our group
Part of Manx Financial Group, which also owns Juno Hunt. Ranked by rate alone, exactly like every other bank.
No withdrawals before maturity except with the bank's consent.
Conditions
Apply and operate in branch (London); an online e-application form is offered. Tiered: £2,000-£49,999.99 earns 3.14% AER; £50,000+ earns 3.45% AER. Rates table says 'All rates are for information only'. Interest payment timing not read on the summary box; inferred from AER vs gross.
Interest paid
When the term ends
Manage by
Branch
FSCS licence
The Bank of East Asia, Limited
Deposit-taker
BEA UK, a trading name of The Bank of East Asia, Limited
Incorporated in
Hong Kong
Principal place of business
United Kingdom (London branch)
Regulated
Yes, by the Hong Kong Monetary Authority, Prudential Regulation Authority and Financial Conduct Authority (FRN 204628)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Its parent bank's paid-up capital and reserves were HK$105,335m at 31 December 2025 (latest published accounts).
No withdrawals during the term; early closure only in limited cases, with loss of interest.
Conditions
UK resident aged 16+ with an existing Bank of China (UK) account. Opened in a UK branch. Rates fixed from 11 September 2026; higher rates for larger deposits.
Interest paid
When the term ends
Manage by
Branch, Online
FSCS licence
Bank of China (UK) Limited
Deposit-taker
Bank of China (UK), a trading name of Bank of China (UK) Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 467410)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £414m at 31 December 2024 (latest published accounts).
Early-withdrawal terms are not stated on the bank's rates page.
Maximum
£100,000
Conditions
Rate applies to any term 3 months to under 6 months; termMonths shows the shortest term in the band. Retail rates apply to deposits up to £100,000 (page: 'applicable for Retail Customers for deposit upto 100000'). Open at a UK branch (London, Birmingham, Leicester, Wembley, Glasgow); no online application shown. Interest payment frequency and early-withdrawal terms not stated on the rates page. Rates w.e.f. 11/09/2026 as printed.
Interest paid
Once a year
Manage by
Branch
FSCS licence
Bank of India
Deposit-taker
Bank of India (UK), a trading name of Bank of India
Incorporated in
India
Principal place of business
United Kingdom (UK branch, 63 Queen Victoria Street, London EC4N 4UA)
Regulated
Yes, by the Prudential Regulation Authority, Financial Conduct Authority and Reserve Bank of India (FRN 204629)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £7.4bn (shareholders' equity of Bank of India, of which the UK operation is a branch) at 31 March 2026 (latest published accounts).
Withdrawals normally only at maturity; early closure only in exceptional circumstances with the bank's approval.
Conditions
New customers must be resident in Northern Ireland; existing Danske customers must be UK resident. Aged 18+. Must hold a Danske current account or instant access savings account for the full term. Rate shown is for balances £5,000-£249,999.
Interest paid
When the term ends
Manage by
Branch, Phone, Online
FSCS licence
Northern Bank Limited
Deposit-taker
Danske Bank, a trading name of Northern Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 122261)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £969m at 31 December 2025 (latest published accounts).
Withdrawals normally only at maturity; early closure only in exceptional circumstances with the bank's approval.
Conditions
New customers must be resident in Northern Ireland; existing Danske customers must be UK resident. Aged 18+. Must hold a Danske current account or instant access savings account for the full term. Rate shown is for balances £5,000-£249,999.
Interest paid
When the term ends
Manage by
Branch, Phone, Online
FSCS licence
Northern Bank Limited
Deposit-taker
Danske Bank, a trading name of Northern Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 122261)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £969m at 31 December 2025 (latest published accounts).
Early closure allowed: interest paid for the time held at the published rate for that period, less 0.5%.
Conditions
Personal accounts; opened in a branch or by post. If you don't hold a PNB current account, a no-fee savings account is opened alongside. Rates from 13 October 2026.
Interest paid
When the term ends
Manage by
Branch, Post
FSCS licence
Punjab National Bank (International) Limited
Deposit-taker
PNB International, a trading name of Punjab National Bank (International) Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 459701)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £163m at 31 March 2025 (latest published accounts).
Early-withdrawal terms are not stated on the bank's rates page.
Maximum
£100,000
Conditions
Rate applies to any term 1 month to under 3 months; termMonths shows the shortest term in the band. Retail rates apply to deposits up to £100,000 (page: 'applicable for Retail Customers for deposit upto 100000'). Open at a UK branch (London, Birmingham, Leicester, Wembley, Glasgow); no online application shown. Interest payment frequency and early-withdrawal terms not stated on the rates page. Rates w.e.f. 11/09/2026 as printed.
Interest paid
Once a year
Manage by
Branch
FSCS licence
Bank of India
Deposit-taker
Bank of India (UK), a trading name of Bank of India
Incorporated in
India
Principal place of business
United Kingdom (UK branch, 63 Queen Victoria Street, London EC4N 4UA)
Regulated
Yes, by the Prudential Regulation Authority, Financial Conduct Authority and Reserve Bank of India (FRN 204629)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £7.4bn (shareholders' equity of Bank of India, of which the UK operation is a branch) at 31 March 2026 (latest published accounts).
One lump sum only; no withdrawals or closure after the 14-day cancellation period until the term ends.
Maximum
£2,000,000
Conditions
UK resident aged 16+ (18+ to apply online). Lump sum only, min £500, max £2m. Opened in store or via Metro Bank Online Banking only (new customers must apply in store). Interest at maturity (2.02% AER) or monthly (2.00% AER).
Interest paid
When the term ends
Manage by
Online, Branch
FSCS licence
Metro Bank PLC
Deposit-taker
Metro Bank, a trading name of Metro Bank PLC
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 488982)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £1,484m at 31 December 2025, for its group (latest published accounts).
One lump sum only; no withdrawals or closure after the 14-day cancellation period until the term ends.
Maximum
£2,000,000
Conditions
UK resident aged 16+ (18+ to apply online). Lump sum only, min £500, max £2m. Opened in store or via Metro Bank Online Banking only (new customers must apply in store). Interest at maturity (2.01% AER) or monthly (2.00% AER).
Interest paid
When the term ends
Manage by
Online, Branch
FSCS licence
Metro Bank PLC
Deposit-taker
Metro Bank, a trading name of Metro Bank PLC
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 488982)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £1,484m at 31 December 2025, for its group (latest published accounts).
Early closure allowed: interest paid for the time held at the published rate for that period, less 0.5%.
Conditions
Personal accounts; opened in a branch or by post. If you don't hold a PNB current account, a no-fee savings account is opened alongside. Rates from 13 October 2026.
Interest paid
When the term ends
Manage by
Branch, Post
FSCS licence
Punjab National Bank (International) Limited
Deposit-taker
PNB International, a trading name of Punjab National Bank (International) Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 459701)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £163m at 31 March 2025 (latest published accounts).
Withdrawals normally only at maturity; early closure only in exceptional circumstances with the bank's approval.
Conditions
New customers must be resident in Northern Ireland; existing Danske customers must be UK resident. Aged 18+. Must hold a Danske current account or instant access savings account for the full term. Rate shown is for balances £5,000-£249,999.
Interest paid
When the term ends
Manage by
Branch, Phone, Online
FSCS licence
Northern Bank Limited
Deposit-taker
Danske Bank, a trading name of Northern Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 122261)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £969m at 31 December 2025 (latest published accounts).
Withdrawals normally only at maturity; early closure only in exceptional circumstances with the bank's approval.
Conditions
New customers must be resident in Northern Ireland; existing Danske customers must be UK resident. Aged 18+. Must hold a Danske current account or instant access savings account for the full term. Rate shown is for balances £5,000-£249,999.
Interest paid
When the term ends
Manage by
Branch, Phone, Online
FSCS licence
Northern Bank Limited
Deposit-taker
Danske Bank, a trading name of Northern Bank Limited
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 122261)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £969m at 31 December 2025 (latest published accounts).
UK resident with an established GBP current account at Isbank London branch. Opened in branch only; viewable in internet banking. Tiered by total family balances with the branch: rate shown is for up to £1m; higher tiers from £1m pay more. No minimum deposit beyond maintaining the current account.
Interest paid
When the term ends
Manage by
Branch
FSCS licence
Turkiye Is Bankasi As
Deposit-taker
Isbank UK, a trading name of Turkiye Is Bankasi As
Incorporated in
Turkey
Principal place of business
United Kingdom (London branch)
Regulated
Yes, by the Banking Regulation and Supervision Agency (Turkey), Prudential Regulation Authority and Financial Conduct Authority (FRN 204708)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Its parent bank's paid-up capital and reserves were TL 428,000m at 31 December 2025 (latest published accounts).
UK resident with an established GBP current account at Isbank London branch. Opened in branch only; viewable in internet banking. Tiered by total family balances with the branch: rate shown is for up to £1m; higher tiers from £1m pay more. No minimum deposit beyond maintaining the current account.
Interest paid
When the term ends
Manage by
Branch
FSCS licence
Turkiye Is Bankasi As
Deposit-taker
Isbank UK, a trading name of Turkiye Is Bankasi As
Incorporated in
Turkey
Principal place of business
United Kingdom (London branch)
Regulated
Yes, by the Banking Regulation and Supervision Agency (Turkey), Prudential Regulation Authority and Financial Conduct Authority (FRN 204708)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Its parent bank's paid-up capital and reserves were TL 428,000m at 31 December 2025 (latest published accounts).
UK resident with an established GBP current account at Isbank London branch. Opened in branch only; viewable in internet banking. Tiered by total family balances with the branch: rate shown is for up to £1m; higher tiers from £1m pay more. No minimum deposit beyond maintaining the current account.
Interest paid
When the term ends
Manage by
Branch
FSCS licence
Turkiye Is Bankasi As
Deposit-taker
Isbank UK, a trading name of Turkiye Is Bankasi As
Incorporated in
Turkey
Principal place of business
United Kingdom (London branch)
Regulated
Yes, by the Banking Regulation and Supervision Agency (Turkey), Prudential Regulation Authority and Financial Conduct Authority (FRN 204708)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Its parent bank's paid-up capital and reserves were TL 428,000m at 31 December 2025 (latest published accounts).
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "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, what we don't list and how we're paid.
