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Active Savings

Access great savings rates from multiple banks. All through one online account.

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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 spending power of your money will reduce over time. Fixed term products generally only allow access to your cash at maturity.

Great rates

Pick and mix between consistently competitive easy access and fixed rate savings. See latest rates.

Multiple banks

Choose rates from our wealth of banking partners and spend less time shopping around.

One Account

Manage all your savings in one place through a single login.


Manage your savings with one login

See how much cash you hold at a glance. Add cash, move it between our banking partners, and withdraw it online. All with one login. And you can view your savings on-the-go with our app.

Plan ahead when a fixed rate ends

Get reminders when fixed rates end. And we’ll even give you options to keep earning interest, so you can spend less time shopping around.

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.

Aldermore Logo
Allica Bank Logo
Arbuthnot Logo
BLME Logo
Charter Savings Logo
Close Brothers Logo
Coventry Building Society Logo
Emirates NBD
GB Bank
ICICI Logo
Investec Logo
Kent Reliance Logo
Metro Bank Logo
OakNorth Logo
Paragon Logo
RateSetter
Sainsbury's Bank
Santander International Logo
United Trust Bank Logo
Zopa Bank
Aldermore Logo
Allica Bank Logo
Arbuthnot Logo
BLME Logo
Charter Savings Logo
Close Brothers Logo
Coventry Building Society Logo
Emirates NBD
GB Bank
ICICI Logo
Investec Logo
Kent Reliance Logo
Metro Bank Logo
OakNorth Logo
Paragon Logo
RateSetter
Sainsbury's Bank
Santander International Logo
United Trust Bank Logo
Zopa Bank

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.

2.73% 5.43% 5.49% 5.21%

The latest 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

4.75% | 4.65%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

1 year

5.16% | 5.16%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

6 months

5.11% | 5.05%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

2 years

4.95% | 4.95%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

Easy access

4.75% | 4.65%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

6 Months

5.11% | 5.05%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

1 year

5.16% | 5.16%
(AER | Gross)

Market leading Sharia rate
Market leading interest rate

2 years

4.95% | 4.95%
(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. Easy access products pay a variable rate and fixed term products pay a fixed rate.

Withdrawals from easy access 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 leading rates: Moneyfacts, 28 Feb 2024 at 9:11am. Please note products can be added or withdrawn at any time.

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.

Grow your savings tax-free

Choose a n/a AER/Tax-free Limited Access rate from Coventry Building Society through the HL Cash ISA. Interest is variable and paid monthly.

All interest earned within a Cash ISA is free from UK income tax.

Find out more

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.

Active Savings is part of Hargreaves Lansdown PLC

  • A FTSE-listed company


  • 40 years' experience
  • £123bn in assets under administration
  • Multi-award winning
  • Trusted by 1.8 million clients


  • UK-based helpdesk
  • A FTSE-listed company
  • 40 years' experience
  • £123bn in assets under administration
  • Multi-award winning
  • Trusted by 1.8 million clients
  • UK-based helpdesk

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).

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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.

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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).