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Savings rates and products

Savings rates

Compare the best and latest savings products

Open an Active Savings Account Log in to your Account

Important information - The information on this page is to help you make your own decisions and is not personal advice. If your savings rate is lower than the rate of inflation the future spending power of your money will reduce.

Our latest savings rates

These are all the savings products available today through Active Savings and the HL Cash ISA.

Products can be added or withdrawn at any time. Occasionally our banking partners offer savings products available to existing Active Savings clients.

Consider withdrawal restrictions. With an Active Savings account, you can’t normally take your savings out a fixed product until the term ends and with a cash ISA you could be charged if you close or transfer your ISA before the term of any fixed product ends. With limited access products you can withdraw your money when you like but only a certain number of times a year without incurring a charge.

Market leading rates were last checked against Moneyfacts on 19 Jun 2024 at 10:31am.

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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.

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

Gross is the interest rate without any tax removed. Interest/profits are paid gross on products in an Active Savings account. 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.

Tax-free is the interest rate paid free of UK income tax on products in the HL Cash ISA. Tax rules can change and their benefits depend on your circumstances

Once you have opened a fixed term product the rate won’t change but rates on easy and limited access products can vary.

*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.

Great communication with clients and ease of use.

MR CHADWICK, Buckinghamshire

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Help and support

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

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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 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).