Today’s best buys

UK savings & switching

Easy access

4.85% AER

Chase · instant · FSCS

Cash ISA

4.77% AER

Trading 212 · tax-free · FSCS

Best switch bonus

£175

First Direct · closes soon

Easy-access savings

Account	AER	Access	Min	Protection
Chase Saver	4.85%	Instant	£1	FSCS £85k	Open ›
Zopa Smart Saver	4.75%	Instant	£1	FSCS £85k	Open ›
Chip Easy Access	4.68%	Instant	£1	FSCS £85k	Open ›
Monument Easy Access	4.60%	Instant	£25,000	FSCS £85k	Open ›
Snoop Easy Access	4.60%	Instant	£1	FSCS £85k	Open ›
Cynergy Bank Online Easy Access	4.55%	Instant	£1	FSCS £85k	Open ›

Nationwide Flex Instant Saver	4.00%	▼ −0.06 cut
Atom Bank 1 Year Fixed	4.53%	▼ −0.06 cut
Kent Reliance 2 Year Fixed	4.40%	▼ −0.06 cut
First Direct Regular Saver	7.00%	▼ −0.06 cut

Banks paying you to move your current account.

Bank	What you must do	Deadline	Bonus
First Direct 1st Account	Switch via CASS with 2+ direct debits · Pay in £1,000+ within 45 days	Ends in 5 days	£175	Open ›
Nationwide FlexDirect	Switch with 2+ direct debits · Existing members eligible	Ongoing	£175	Open ›
Santander Edge	Switch with 2+ direct debits · £1,500+ pay-in over 3 months	Ends 6 Sep 2026	£160	Open ›
Lloyds Club Lloyds	Switch with 3+ direct debits · Includes a lifestyle benefit	Ongoing	£150	Open ›

Email alerts — a nudge when your rate drops or a new switch bonus lands — arrive in the next release.

SwitchScout is information only and not financial advice. Always check the provider’s own terms before applying.