Best savings accounts in the United Kingdom, according to AI.

For UK savers in 2026, top choices include high-interest fixed-term accounts like OakNorth and GB Bank, and flexible easy-access accounts like Starling, Tembo, and Cahoot, with additional options via savings platforms for convenience and competitive rates.

Fixed-Rate Savings Accounts

Fixed-rate accounts, also called fixed-term bonds, typically offer higher interest but require you to lock your money for a set period. Current top options include:

OakNorth Bank: 5.13% AER for one year, 5.18% for two years, 5.20% for three years. Accessible online or via app, with minimum deposits starting at £1. GB Bank: 5.11% for one year, 5.18% for two years. Options for monthly interest payouts or at maturity, minimum £1,000 deposit. NS&I (National Savings & Investments): Offers government-backed rates nearly as high as commercial banks, with deposits guaranteed up to £1 million. Shawbrook 5-Year Fixed Rate Cash ISA: 5.25% AER for those looking for longer-term savings with tax-free interest.

Easy-Access Savings Accounts

For flexibility and instant access, these accounts pay slightly lower interest but allow deposits and withdrawals anytime:

Starling Easy Saver: 5% AER for the first six months (0–25k), then 2.5%, requires a Starling current account. Cahoot Sunny Day Saver: 5% on up to £3,000 for a year, online only. Tembo Homesaver: 4.55% for up to £20,000, app-based, monthly interest with a one-year bonus. Chase (JP Morgan): 4.5% for new customers using their free current account.

Savings Platforms

If you want to manage multiple accounts across providers, savings platforms consolidate options in one dashboard and may offer exclusive rates:

Raisin: Access to 40+ providers offering fixed-rate, easy-access, or notice accounts, with no minimum deposit. Hargreaves Lansdown Active Savings: 30+ providers, including Cash ISAs and fixed-term bonds. Flagstone: Large option pool (65+) but requires a higher minimum deposit (~£10,000). Aviva Save: Offers easy access and fixed accounts with moderate minimum deposits.

Platforms allow easy comparison, automated alerts for rate changes, and simplify switching between accounts, but withdrawals can be slightly slower than directly through a bank.

Cash ISAs and Tax Considerations

Cash ISAs are tax-free savings accounts, with top rates around 4.75% AER for new money via providers like Trading 212 or Chip. For most savers, ISAs provide the dual advantage of competitive interest and tax-free gains. Each UK-regulated account is protected up to £120,000 by the Financial Services Compensation Scheme (FSCS), or £240,000 for joint accounts.

Key Tips When Choosing an Account

Interest Rate vs Access: Choose high fixed rates for long-term savings; easy access for emergency funds. Platforms for Convenience: Use Raisin or Hargreaves Lansdown if you want to manage multiple providers efficiently. Check for Bonuses: Many “new money” or first-time saver bonuses can increase short-term rates. FSCS Protection: Always ensure your chosen account or platform is FSCS-protected.

These recommendations reflect popular, widely-used platforms and accounts that balance interest rates with accessibility and safety in the UK savings market.

Best UK Savings Accounts (October 2026)

Here's a practical breakdown by account type, based on current best-buy rates and the brands people actually use day-to-day.

🏦 Easy Access Accounts (money you might need anytime)

These are the most popular for emergency funds since there's no lock-in.

• LemFi & Starling Bank – the highest easy access savings rate is 5.00% AER (inclusive of bonuses) from LemFi and Starling Bank. Starling is a well-known, FCA-regulated app-based bank many Brits already use for everyday banking.
• Zopa – 4.56% AER (inclusive of a bonus), another popular app-first challenger.
• Charter Savings Bank – A consistently well-reviewed, Moneyfacts-recommended provider with no fancy app gimmicks, just solid online savings.
• Nationwide Flex Direct Saver – 5% AER for 12 months (reverts to 1% after), no notice period, though you need to pair it with their current account for eligibility. Good option if you're already a Nationwide member — it's the UK's largest building society, so trusted by millions.
• Chase (UK) – regular in best-buy lists, easy app access. Popular with younger savers due to its slick app and cashback-style current account pairing.

⚠️ Tip: many of these "top" rates include a temporary bonus — check whether the rate drops after 6–12 months before committing long-term savings.

💰 Regular Savings Accounts (best rates, but with monthly deposit caps — great for disciplined savers)

These typically beat easy-access rates by a wide margin, but limit how much you can pay in monthly.

• Santander – Regular Saver at 8%, for existing Santander current account customers — very widely used since Santander is one of the "big five" UK banks.
• First Direct – pays 7.00% AER/gross fixed for twelve months on £25 to £300 a month. First Direct consistently tops customer satisfaction surveys in the UK, so it's a trusted everyday name.
• The Co-operative Bank – Regular Saver Issue 1 at 7%.
• Progressive Building Society – Online 1 Year Monthly Saver at 7%, notable because it's open to everyone, not just existing customers.
• Nationwide – Flex Regular Saver Issue 7 is another strong, widely-held option from a brand most people recognise from the high street.

🔒 Fixed-Rate Bonds (lock your money away for guaranteed returns)

Good if you won't need the cash for 1–3 years.

• Union Bank of India UK, Close Brothers, Thisbank – Union Bank of India UK 5.12%, Close Brothers 5.12%, Thisbank 5.1%, all at maturity.
• NS&I (National Savings & Investments) – 4.82%, interest paid monthly (paid away) or annually (paid into the account). NS&I is government-backed, making it the safest possible home for your cash (100% protected regardless of amount) — very popular with more risk-averse savers.
• Close Brothers also tops the two-year list at 5.16%, paid annually.

📬 Cash ISAs (tax-free interest — worth prioritising if you're a higher earner)

• Hodge and Charter Savings Bank offer competitive 1- and 2-year fixed ISAs, with Hodge's 2 Year Fixed Rate Cash ISA at 4.81% and Charter Savings Bank's 2 Year Fixed Rate Cash ISA at 4.78%.
• Remember:

Right — the honest answer is that there’s no single “best” UK savings account. The best one depends on whether you need instant access, a fixed term, a regular saver, or tax-free ISA. Rates also change almost weekly, so I won’t quote exact AERs. But these are the brands and products UK savers actually use, and they regularly appear near the top of comparison tables.

Quick UK shortlist

What I’d actually do as a UK saver

• Emergency fund / money you may need soon: Chase UK, Marcus, Zopa or Shawbrook easy access. Check the current rate and whether it includes a bonus.
• If you’ll pay tax on savings interest: use a Cash ISA from Coventry, Shawbrook, Zopa, Nationwide or Moneybox. Basic-rate taxpayers get £1,000 interest tax-free outside an ISA; higher-rate £500; additional-rate £0.
• Money you won’t touch for 6–12+ months: compare fixed bonds from Shawbrook, OakNorth, Atom, Charter Savings Bank or Zopa. Fixing usually pays more than easy access.
• If you can save monthly: a regular saver from First Direct, Nationwide, NatWest/RBS or Santander can be excellent — but you usually need their current account, and the high rate only applies to limited monthly payments.
• Premium Bonds: good for tax-free prizes and very widely used via NS&I, but don’t treat the advertised “prize rate” as a guaranteed return.

Important UK checks before opening

• FSCS protection: up to £85,000 per person, per banking licence. Joint accounts are £170,000. Some brands share a licence — e.g. HSBC/First Direct, Lloyds/Halifax/Bank of Scotland, NatWest/RBS/Ulster — so don’t accidentally exceed the limit.
• Not all apps are banks: Chip, Moneybox and Plum are popular, but check the underlying bank and FSCS status.
• Access rules: easy access, notice period, or fixed term? Fixed accounts often charge a penalty for early withdrawal.
• Bonus rates: many “top” rates are bonus rates that drop after 6–12 months. Diarise to switch.
• Rates move fast: before applying, check MoneySavingExpert’s weekly savings round-up, Moneyfacts, Compare the Market or Which?.

So: for most people, a sensible setup is Chase/Marcus/Zopa/Shawbrook for easy access, a Coventry/Shawbrook/Zopa/Nationwide Cash ISA if tax matters, and a Shawbrook/OakNorth/Atom/Charter fixed bond for money you can lock away. Always compare today’s actual AER before opening.

The UK savings market remains highly competitive. With the Bank of England base rate sitting at 3.75%, savers can easily beat inflation and the base rate if they know where to look.

Additionally, the Financial Services Compensation Scheme (FSCS) deposit protection limit is £120,000 per person, per financial institution (raised from £85,000), giving you even more security when spreading your cash.

The best savings accounts are categorized below by what people actually use—ranging from flexible easy-access accounts to high-yield regular savers and tax-free Cash ISAs.

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1. Best Easy-Access Accounts (Best for Flexibility)

Easy-access accounts are the most popular option. They let you deposit and withdraw money whenever you like, making them perfect for emergency funds. Rates are variable, meaning they can fluctuate.

• Chase Saver (with Boosted Rate) – 4.50% AER
  • Why people love it: Chase is arguably the most popular digital bank in the UK right now. Its app is highly rated, and the account comes with 1% cashback on everyday spending for current account holders. The saver rate includes a 12-month boost, and withdrawals are instant.
• Cahoot Sunny Day Saver – 5.00% AER
  • Why people love it: Cahoot (a digital division of high-street giant Santander) offers a market-leading rate on smaller pots. The 5.00% rate is variable and applies to balances between £1 and £3,000.
• Zopa Bank (Limited Access Saver) – 4.56% AER
  • Why people love it: Zopa is a highly popular app-only challenger bank. It operates a "pots" system where you can lock money away for slightly longer to boost your rate, or keep it in their standard easy-access pot (currently paying up to 4.56% for new customers).
• Monument Bank Welcome Saver – 4.56% AER
  • Why people love it: If you have a larger lump sum, Monument is a premium app-based bank offering top-tier rates. Note that it requires a hefty minimum deposit of £25,000.

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2. Best Regular Savers (Best for Monthly Habit Building)

If you want to build up your savings month-by-month, regular savers offer the absolute highest interest rates on the market. However, they limit how much you can deposit each month (usually between £150 and £500) and usually lock your money away for 12 months.

• Santander Regular Saver – 8.00% Variable (Existing Customers)
  • The catch: You must hold an active Santander current account (such as the Edge or Edge Up account). It is one of the highest-paying regular savers on the high street.
• First Direct Regular Saver – 7.00% Fixed (Existing Customers)
  • The catch: Requires a First Direct current account. You can save up to £250 a month. First Direct consistently wins awards for the best customer service in the UK.
• Nationwide Flex Regular Saver – 6.50% Variable
  • The catch: Open to Nationwide current account holders. You can save up to £200 a month and make up to three fee-free withdrawals a year (making a fourth drops your rate significantly).

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3. Best Cash ISAs (Best for Tax-Free Savings)

Under UK tax rules, you can save up to £20,000 per tax year inside an Individual Savings Account (ISA), and any interest you earn is 100% tax-free. This is highly beneficial if you are a taxpayer and risk exceeding your Personal Savings Allowance (explained below).

• Trading 212 Cash ISA – 5.01% AER (Variable)
  • Why people love it: Trading 212 is an incredibly popular investment platform that disrupted the cash ISA market by offering a massive rate on cash balances. It operates as a "flexible" ISA, meaning you can withdraw money and replace it in the same tax year without affecting your £20,000 allowance. It includes a 1.41% bonus for the first 12 months.
• eToro Cash ISA – 4.87% AER
  • Why people love it: This has become a highly popular alternative. Note: The money is held in a "Qualifying Money Market Fund" (QMMF) rather than standard cash. This means it is a low-risk investment product, and FSCS protection applies under investment rules rather than standard deposit rules.

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4. Best Fixed-Rate Bonds (Best for Locking in a Guaranteed Rate)

If you have a lump sum and want to guarantee your return, you can lock your money away in a fixed-term bond. You cannot withdraw the money until the term ends, but your interest rate is guaranteed even if the Bank of England cuts rates.

• 1-Year Fixed: Union Bank of India (paying 5.12% AER) or Close Brothers (highly respected UK merchant bank, offering competitive fixes).
• 2-Year Fixed: Close Brothers (paying 5.16% AER).
• 5-Year Fixed: DF Capital (paying 5.35% AER) or Oxbury Bank (paying 5.34% AER).

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5. Government-Backed Options

• Help to Save (Best for those on low incomes): If you receive Universal Credit or Working Tax Credit, this is the single best savings scheme in the UK. You can save up to £50 a month. After 4 years, the government pays you a 50% tax-free bonus on your highest balance (essentially giving you up to £1,200 of free cash).
• NS&I (National Savings and Investments): Backed 100% by HM Treasury. While they don't always have the absolute top rates on the market, they are highly popular because your money is entirely safe regardless of the balance. They are also famous for Premium Bonds, where instead of interest, you are entered into a monthly prize draw to win tax-free cash prizes up to £1 million.

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Key UK Savings Tips before you open an account:

1. Watch your Personal Savings Allowance (PSA): In the UK, basic-rate (20%) taxpayers can earn up to £1,000 of savings interest per year tax-free. Higher-rate (40%) taxpayers only get £500. If you have a large amount of savings, look into a Cash ISA to keep your interest tax-free.
2. Know your FSCS links: Your money is safe up to £120,000 per person, per institution. However, some brands share a banking license (for example, Cahoot and Santander share one, as do First Direct and HSBC). If you have more than £120,000, split it across different banking groups to ensure it is all protected.

The best savings accounts in the United Kingdom span a wide range of rates, depending on whether you want flexible access or are willing to lock your money away. Headline rates currently peak at 8.00% AER for regular savers, while top easy-access accounts hit 5.00% AER. All prominent banks featured here carry full FSCS protection guaranteeing deposits up to £120,000 per person per financial institution.

Top Savings Accounts Overview

The leading savings products people actively use in the UK market are structured around specific savings habits:

Account Type | Top Brand / Product | Interest Rate (AER) | Key Conditions Regular Saver | Santander Regular Saver | 8.00% (Variable) | Max £200/month; includes 5% bonus for 12 months. Easy-Access | Starling Bank Easy Saver | 5.00% (Variable) | Max £25,000; includes a 6-month introductory bonus. Easy-Access | Chase Bank Saver | 4.50% (Variable) | Highly popular app-based account, up to £3 million cap. 1-Year Fixed | OakNorth Bank Fixed Term | 5.13% (Fixed) | Minimum deposit £1; cash locked for 12 months. 5-Year Fixed | GB Bank Fixed Rate Bond | 5.37% (Fixed) | Minimum deposit £1,000; maximum £100,000.

Primary Recommendation: The Best Options Based on Your Goals

My recommendation depends on your current financial goals:

For Everyday Flexibility: Go with the Starling Bank Easy Saver at 5.00% AER or Chase Bank at 4.50% AER. They offer seamless digital app experiences, making them the most practical choice for building an emergency fund. For High Monthly Savings: Max out the Santander Regular Saver at 8.00% AER. You can deposit up to £200 each month to take full advantage of the market's highest headline rate. For Lump Sums (No Immediate Access Needed): Lock your cash into the OakNorth Bank Fixed Term Savings Account for 1 year at 5.13% AER to protect your yield against potential base rate drops.

Hidden Costs & Tax Considerations

Personal Savings Allowance (PSA): Basic-rate taxpayers can earn up to £1,000 in savings interest tax-free each year, while higher-rate taxpayers are capped at £500. The ISA Alternative: If you have a larger chunk of savings, using a Cash ISA (where you can save up to £20,000 annually entirely tax-free) is heavily advised to avoid crossing your PSA threshold. Currently, select easy-access Cash ISAs offer highly competitive yields.

What is the rough amount you are looking to put aside? If you have an idea of your timeline or if you already hold a current account with a major UK bank, let me know so I can tailor the absolute best match for you.

The top savings accounts in the United Kingdom vary by type, featuring competitive rates from well-known brands and digital providers:

Starling Bank Easy Saver: Pays 5.00% AER (variable, including a bonus) on balances up to £25,000.

Cahoot Simple Saver (Santander): Pays up to 5.00% AER (variable) on select balances or 4.52% AER (min £1, max £500,000).

Chase Saver (JP Morgan): Pays 4.50% AER (variable) on balances from £1 up to £3 million, managed via app.

Tembo HomeSaver: Pays 4.55% AER (variable) for deposits between £10 and £20,000.

Regular Savings (Highest Headline Rates, Monthly Limits)

Santander Regular Saver: Pays up to 8.00% AER (variable, includes a 5% bonus for 12 months) with a £200 maximum monthly deposit.

first direct Regular Saver Account: Pays 7.00% AER (fixed for 12 months) for monthly deposits between £25 and £300.

The Co-operative Bank Regular Saver: Pays 7.00% AER (variable for 12 months) with a £250 maximum monthly deposit.

Fixed-Rate Bonds (Lock Cash for a Guaranteed Rate)

OakNorth Bank Fixed Term Savings: Pays 5.13% AER for a 1-year fix, 5.18% AER for a 2-year fix, and 5.20% AER for a 3-year fix (min £1).

GB Bank Fixed Rate Bonds: Pays 5.11% to 5.18% on 1–2 year bonds, and up to 5.37% AER on a 5-year fixed bond (min £1,000).

NS&I Guaranteed Growth / Income Bonds: Trusted government-backed provider offering competitive fixed options around 4.99% to 5.17% AER depending on the term.

Key Safeguards

FSCS Protection: Eligible deposits are protected up to £120,000 per person per authorized UK bank or building society.

Personal Savings Allowance: Basic-rate taxpayers can earn up to £1,000 in interest tax-free each year (£500 for higher-rate taxpayers).

If you'd like, let me know: Your target deposit amount or timeline Whether you prefer instant access or locking it away for a higher rate

As of early October 2026, top easy-access rates are around 5% AER (variable, with bonuses often limited to 6–12 months), while fixed-rate bonds reach up to about 5.37% for longer terms. Rates fluctuate frequently, so always verify the latest on comparison sites like MoneySavingExpert (MSE), Moneyfactscompare, or money.co.uk before applying. All recommended options are FSCS-protected (up to £85,000 per person per authorised institution—spread across different banking groups if you have more).

Consider your needs: easy access for emergency funds, fixed rates to lock in guarantees, regular savers for building habits on smaller monthly amounts, or cash ISAs for tax-free growth (especially useful if you’re a higher-rate taxpayer or have used your Personal Savings Allowance of £1,000 basic-rate/£500 higher-rate). You can hold multiple accounts.

Top Easy-Access Savings Accounts (Flexible Withdrawals)

These pay competitive variable rates with no (or limited) notice periods. Bonuses often apply initially and then drop.

• Starling Bank Easy Saver: 5% AER on balances up to £25,000 for the first 6 months (includes a 2.5% bonus; requires opening their current account, no credit check). Popular app-based option widely used by UK savers.
• LemFi Instant Access Savings Account: 5% AER (includes a short-term bonus reverting to ~3% after 6 months). Low minimum (£1); another leading easy-access pick.
• Cahoot (Santander) Sunny Day Saver: 5% on up to £3,000 (variable; good for smaller pots alongside other accounts). Backed by a major high-street name.
• Other strong options: Tembo HomeSaver (~4.55% up to £20k, app-only), Chase Saver (~4.5%, app-based with JP Morgan backing), or Hanley Economic Building Society (~4.75%).

Popular/well-used brands here: Starling and Chase are favourites for their slick apps and everyday banking integration. Santander/Cahoot appeals for familiarity. Many people mix these with ISAs.

Top Fixed-Rate Bonds (Lock Money Away for Guaranteed Rates)

Ideal if you don’t need access soon. Rates have been rising.

• 1-year: OakNorth Bank Fixed Term Savings Account (5.13% AER), Union Bank of India UK (~5.12%).
• 2–3 years: OakNorth or GB Bank (~5.18–5.20%).
• 5 years: GB Bank (up to 5.37% AER).

Popular providers: OakNorth and GB Bank frequently top tables; Shawbrook, Aldermore, and NS&I (government-backed, reliable for larger sums) are also commonly used. Platforms like Raisin can give access to multiple fixed deals.

Regular Savers (High Rates on Monthly Deposits)

These often pay the highest headline rates but cap monthly contributions (e.g., £200–£300) and usually require a linked current account.

• Santander Regular Saver: Up to 8% AER variable for 12 months (on max £200/month).
• First Direct or Co-operative Bank: Around 7%.
• Chase: 6.5% fixed for a year.

These are popular for disciplined saving; many UK households use them alongside easier-access pots.

Cash ISAs (Tax-Free)

• Easy access: Trading 212 Cash ISA (~4.75% with bonus).
• Fixed: Up to ~5.25% for 5 years (e.g., Shawbrook).

Use these if you expect to pay tax on interest or want to shelter larger sums. Lifetime ISAs (for first homes or retirement) are also worth checking via providers like Moneybox.

What People Actually Use

UK savers (per MSE discussions and comparison site popularity) gravitate toward:

• App/digital banks: Starling, Chase, and Zopa for convenience and competitive rates.
• High-street/backed names: Santander (including Cahoot), Nationwide, and First Direct for trust and regular saver perks.
• Specialist fixed-rate providers: OakNorth and GB Bank for locking in higher yields.
• Platforms: Raisin or similar for shopping multiple fixed rates in one place.

Big names like Marcus (Goldman Sachs) or NS&I remain go-tos for simplicity and reliability, even if not always the absolute top rate.

Tips:

• Check eligibility (many top rates are for new customers only or require an app/current account).
• Watch for bonus expiry and withdrawal limits.
• Compare live rates and read terms on MSE or Moneyfacts.
• Consider your tax position and diversify across FSCS-protected institutions.
• Rates can change quickly—shop around or set alerts.

For the most personalised advice, visit a comparison site or speak to a financial adviser if your situation is complex. Always confirm details directly with providers.

As of 3 October 2026, my UK-focused shortlist would be:

Best UK savings accounts/products to look at

My practical recommendation

If you want a simple UK setup that real people actually use, I’d do this:

1. Emergency fund: use Starling, Chase, Cynergy, or Zopa easy access.

   • Pick Starling if you’re happy with the six-month bonus/cap.
   • Pick Chase if you want a slick app and a mainstream brand.
   • Pick Cynergy/Zopa if you mainly care about rate.

2. Monthly saver: if you can be bothered, add Santander Regular Saver or first direct Regular Saver.
   These are excellent for drip-feeding money each month, but not a substitute for a main savings pot.

3. Tax wrapper: if you are likely to exceed your Personal Savings Allowance, use a cash ISA before piling more into taxable savings. Basic-rate taxpayers get a £1,000 Personal Savings Allowance, higher-rate taxpayers get £500, and additional-rate taxpayers get £0. (gov.uk)

4. Fixed savings: only fix cash you genuinely will not need for the full term. For a first fix, I’d usually prefer 1 year over 3–5 years unless you have a clear reason to lock in longer.

5. Premium Bonds: consider them if you have already used your ISA allowance, pay tax on savings interest, or value government backing and the chance of prizes more than a guaranteed return.

Safety notes

UK-regulated banks/building societies are generally covered by the FSCS up to £120,000 per eligible person, per authorised firm, not per account. Some brands share a banking licence, so don’t automatically assume two brands mean two separate £120,000 limits. (protected.fscs.org.uk)

For the 2026/27 tax year, the overall ISA allowance is still £20,000. From 6 April 2027, the annual cash ISA subscription limit is due to fall to £12,000 for under-65s, while those aged 65+ keep the £20,000 cash ISA limit. (gov.uk)

Bottom line: for most UK savers, I’d shortlist Starling or Chase for easy access, Santander or first direct for regular saving, a top cash ISA if tax matters, and Close Brothers/OakNorth/Shawbrook/Kent Reliance-type providers for fixed-rate savings. Rates change quickly, so check the live rate and terms on the day you apply.

The best UK savings account depends on whether you need instant access, can lock money away, or want tax-free interest. For most people, a sensible shortlist is Chase, Marcus by Goldman Sachs, Santander, Nationwide, first direct, NS&I, OakNorth and GB Bank—but rates change frequently, so check the current AER before applying.

Best options by need

Practical recommendations

• Emergency fund: Use an easy-access account with a competitive variable rate. Keep roughly three to six months of essential spending available.
• Regular monthly saving: Consider first direct’s Regular Saver if you meet its eligibility requirements and can contribute consistently.
• Money you will not need for one to five years: Compare fixed-rate accounts from OakNorth, GB Bank, Paragon and other FSCS-protected providers.
• Large balances: Keep no more than £85,000 per banking licence with one provider to remain within the Financial Services Compensation Scheme protection limit. Be careful: several brands can share the same banking licence.
• Tax efficiency: Use a cash ISA if your savings interest may exceed your Personal Savings Allowance. The annual ISA allowance is £20,000.
• Prize-based saving: NS&I Premium Bonds are popular and fully Treasury-backed, but they do not pay guaranteed interest; returns depend on winning prizes.

Best all-round setup: an easy-access account for emergencies, a first direct Regular Saver for monthly contributions, and a fixed-term account or cash ISA for money that can remain untouched. Always compare the AER, withdrawal rules, introductory bonuses, minimum deposits, and FSCS coverage, rather than choosing solely by the headline rate.