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Cash Savings

Better savings rates, hassle free

Manage all your savings in one place with an Active Savings Account. Access consistently competitive rates from multiple banks and building societies.

Get started Log in to your account

Important information - Active Savings provides you with information to help you make informed decisions. Fixed term products generally only allow access to funds at maturity. Inflation reduces the future spending power of money.

Saving made simple with an Active Savings Account

Better rates

Enjoy rates that are often best in market. Choose easy access savings or fix a higher rate from a couple of months to several years.

More choice

Save with a wide range of banks and building societies that HL have partnered with.

One login

Manage all your savings online without the hassle of forms and ID checks once your account is open.

Manage your cash anytime

Add, move and withdraw your cash online in your Active Savings Account. And you can view all your savings on-the-go with our app.

Grow your savings free of charge

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 rates to those available on Active Savings.

How Active Savings works

Protection for added peace of mind

Each of the banking partners you save with has Financial Services Compensation Scheme (FSCS) cover up to £85,000. Find out more about FSCS.

Plan ahead when a fixed rate ends

We’ll email you with plenty of time to choose what happens next.

The banking partner may have a new fixed rate which you can choose to rollover to if you want to. Otherwise your money will return to the cash hub at maturity and you can shop our latest rates for a new product, or withdraw your money. But it won’t earn interest in the cash hub.

Alternatively you can pick a default savings product in advance and we’ll move your money there for you at maturity so it keeps earning interest.

Aldermore Logo
Allica Bank Logo
Arbuthnot Logo
BLME Logo
Charter Savings Logo
Close Brothers Logo
Coventry Building Society Logo
ICICI Logo
Investec Logo
Kent Reliance Logo
Metro Bank Logo
Paragon Logo
Santander International Logo
United Trust Bank Logo
Aldermore Logo
Allica Bank Logo
Arbuthnot Logo
BLME Logo
Charter Savings Logo
Close Brothers Logo
Coventry Building Society Logo
ICICI Logo
Investec Logo
Kent Reliance Logo
Metro Bank Logo
Paragon Logo
Santander International Logo
United Trust Bank Logo
0.31% 1.01% 1.65% 2.04%

The best rates on Active Savings

Pick and mix savings products from a range of banks and building societies, offering competitive rates, all through Active Savings from Hargreaves Lansdown.

Market leading Sharia rate
Market leading interest rate

Easy access

1.10% | 1.09%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

1 year

2.88% | 2.88%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

2 years

3.20% | 3.20%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

3 years

3.20% | 3.20%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

Easy access

1.10% | 1.09%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

1 year

2.88% | 2.88%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

2 years

3.20% | 3.20%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

3 years

3.20% | 3.20%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

6 months

2.03% | 2.02%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

9 months

2.36% | 2.35%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

18 months

3.00% | 2.99%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

5 years

3.30% | 3.30%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

6 months

2.03% | 2.02%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

9 months

2.36% | 2.35%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

18 months

3.00% | 2.99%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

5 years

3.30% | 3.30%
(AER | Gross)

Minimum deposit requirements apply to individual products. With fixed term savings you can’t usually withdraw your money until the term has ended.

Comparisons with average market rates for easy access products are based on instant access products which allow immediate withdrawals. Active Savings offers easy access products and withdrawals usually take one working day. Some of these rates may be offered by Islamic Banks which offer an expected profit rate rather than interest. More on Sharia savings.

Source for market average rates: Bank of England, 30 June 2022. Source for market leading rates: Moneyfacts, 12 Aug 2022 at 8:22am. Please note products can be added or withdrawn at any time. Easy access products pay a variable rate and fixed term products pay a fixed rate.

When your money is in a savings product through Active Savings, it’s held by that bank or building society. If they were to fail, the FSCS will protect eligible deposits up to £85,000 per banking licence.

Find out more about FSCS protection

See all our latest rates

Log in to your Active Savings account

Open an Active Savings account

Discover Active Savings

See all our latest rates

The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 915119). 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.

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.

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.

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.

Bank of London and The Middle East plc operates under Islamic Finance principles and do not offer interest on their products, instead they pay an expected profit rate. Find out more about Sharia banking.

3
steps to start saving

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 competitive rates available.

Keeping you and your cash safe

FSCS

When you add money to a savings product, it’s held by that bank or building society. Eligible deposits are protected up to £85,000 per banking licence. Any deposits over £85,000 with the same provider are not likely to be covered.

Account security

We use 2-factor authentication with automatic timeouts to protect your account alongside your usual log in details and encryption technology to keep you and your money secure. Find out more about how we protect your account.

Safeguarding

Money with Active Savings which isn’t in a savings product is held in the cash hub. Money in the cash hub is kept separate from our own company money in a safeguarded account with Barclays Bank, covered under their banking licence. As we are not a bank, it’s either protected through the FCA’s safeguarding rules if we (Hargreaves Lansdown Savings Ltd) were to fail, or the FSCS, if Barclays were to fail.

FCA

All our banking partners are authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority, and are covered by the Financial Services Compensation Scheme (FSCS).

Cash ISA

You can now open a Cash ISA and manage it alongside other HL accounts.

See our Cash ISA

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Get alerts about new services, banking partners and rates.

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Active Savings has transformed the way I manage my cash.

MR FOX, Bedfordshire

Savings Insights

Savings account basics
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What affects savings rates?
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See our Savings Insights

Help and support

If you have any questions about Active Savings, you can speak to one of our client support experts.

Contact us

Read our FAQs

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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 and regulated by the Financial Conduct Authority (firm reference number 915119). 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).