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Latest rates

Important information - Active Savings helps you make your own decisions and is not personal advice. Fixed term products generally only allow access to funds at maturity. Inflation reduces the future spending power of money.

The table below shows all the savings products available today through Active Savings.

You'll find out more about them, and be able to save into them, once you've opened an Active Savings account.

Rates do change regularly so make sure you keep an eye on the 'apply by' date. Products available can be added or withdrawn at any time.

Remember, with fixed term savings, you can't withdraw your money until the term has ended. At present, you can't save in an ISA or SIPP, but we hope to offer this in future.

We'll show in the table if any products currently available are market leading. This data was last checked against Moneyfacts on 18 Sep 2020 at 10:08am.

Please note that two of Hargreaves Lansdown’s Non-Executive Directors hold positions with Paragon Bank and Investec Bank as Non-Executive Chair and Senior Independent Director, respectively.

Stay up to date

We're working hard to bring you greater control in the future, with more banks, a cash ISA and much more.

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Don't settle for an average rate

Average market rates
for instant access0.07%
Average market rates
for a 1 year fix0.44%
Source: Bank of England 31 August 2020

The best rates on Active Savings

Easy access

Up to
0.55% | 0.55%
(AER | Gross)

Up to 3 months

Up to
0.80% | 0.80%
(AER | Gross)

Up to 6 months

Up to
0.95% | 0.95%
(AER | Gross)

Up to 1 year

Up to
1.30% | 1.30%
(AER | Gross)

Up to 3 years

Up to
1.40% | 1.40%
(AER | Gross)

Up to 5 years

Up to
1.60% | 1.60%
(AER | Gross)

Easy access

Up to
0.55% | 0.55%
(AER | Gross)

Up to 3 months

Up to
0.80% | 0.80%
(AER | Gross)

Up to 1 year

Up to
1.30% | 1.30%
(AER | Gross)

Up to 3 years

Up to
1.40% | 1.40%
(AER | Gross)

Please note, products can be added or withdrawn at any time. Minimum deposit requirements apply to individual products.

All our latest rates

I'm looking for
savings products

AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products.

Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change.

AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary.

Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary.

If you are considering adding money to this savings product, please ensure you have opened an Active Savings Account and given us your instructions before the application deadline.

The savings of private individuals held with authorised banks and building societies are covered under FSCS. All of our partner banks are authorised by the Prudential Regulation Authority (PRA) and covered under FSCS.

What do AER and Gross mean?

AER (Annual Equivalent Rate)
Shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products.

Gross
The interest rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change.

Easy access products provide variable rates and fixed term products pay a fixed rate.

*Expected profit rate

Islamic banks offer an expected profit rate, rather than interest on their savings products, in order to comply with Sharia banking principles. They are authorised by the Prudential Regulation Authority, and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Any eligible deposits up to £85,000 are covered under the FSCS. More about Sharia banking.

Are there any charges?

We don’t charge you directly, instead we charge our banking partners. This means the same or similar products offered directly by the banks and building societies may have different interest rates to those available on Active Savings.

Get saving in three easy steps

Step 1

Open an Active Savings account

Or log into your HL account if you're already a client. Make sure you read the important information.

Step 2

Start with just £1

Add money with a debit card, or move across any uninvested cash in your Fund and Share account.

Step 3

Choose your products

Select from the range of great rates available.

AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary.

Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change.


This website is issued by Hargreaves Lansdown Asset Management Limited (company number 1896481), which is authorised and regulated by the Financial Conduct Authority with firm reference 115248.

The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference 901007 for the issuing of electronic money. Hargreaves Lansdown Asset Management Limited and Hargreaves Lansdown Savings Limited are subsidiaries of Hargreaves Lansdown plc (company number 2122142).