Active Savings Account
Access great savings rates from multiple banks.
All through one online account.
Revolutionise the way you save
Through one online account, you can hold savings from multiple banks and building societies.
Take the hassle out of earning interest
Forget the faff of multiple savings accounts and logins. Move cash between banks and savings products in minutes. All through a single login.
Options to keep your cash working
If your fixed rate is maturing, we'll keep you updated on your options to earn more interest. As well as the best rates on the platform.
Some of the best rates on offer
Easy access
Pays a variable interest rate. Withdraw money at any time - it usually takes 1 working day.
Limited access
Pays a variable interest rate. Limited number of money withdrawals without penalty.
Fixed rate
Pays a fixed interest rate for the length of the term. Withdraw money at the end of the term.
Up to
A E RUp to
A E RUp to
A E RUp to
A E RProducts pay interest gross and this rate can differ to the AER. Minimum deposits apply. Frequency of interest payments varies. Please note products can be added or withdrawn at any time.
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.
Log in to your Active Savings account
Open an Active Savings account
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.
Never settle for average
Last month, the best easy access rate through Active Savings was always 4.15% or better – far ahead of the average instant access rate available.
In fact, the best easy access rate has always beaten the instant access market average.
Start earning more interest in minutes. Then easily switch between banks when your needs change.
Rates are variable. Easy access withdrawals usually take one working day.
Fixed rates for every occasion
We give you more fixed rates than any bank.
That means great rates from one month up to five years.
And with FSCS coverage through each banking licence, save knowing your cash is protected.
Boost your money with an
award-winning savings platform
Join 150,000 clients who trust us with over £10bn of their cash savings.
Great rates
Great rates
Pick and mix between consistently competitive easy access and fixed rate savings.
Multiple banks
Multiple banks
Choose rates from our wealth of banking partners and spend less time shopping around.
One place
One place
Manage everything through one login. Spread cash across banks without hassle.
Tax and your Personal Savings Allowance
You could earn up to £1,000 of interest tax free, depending on which income tax band you're in. This is known as your Personal Savings Allowance.
Interest you earn over your allowance could be subject to income tax. Benefits depend on individual circumstances and rules can change.
All interest paid into your Active Savings account is paid without tax deducted, and counts towards your Personal Savings Allowance.
Grow your savings free of charge
We do not charge any set-up, annual, or exit fees for Active Savings Accounts.
Instead, we charge our banking partners who pay us a percentage fee for every product they may have on our platform.
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.
Our banking partners
Protecting your money
FSCS protected
Money held with one of our banking partners is covered by the Financial Services Compensation Scheme (FSCS). The FSCS will protect your deposits up to £85,000 if the banking partner fails. This limit is per banking licence.
Safeguarding
Money not in a savings product is held by Barclays Bank. Your money is protected under Financial Conduct Authority (FCA) safeguarding rules if HL were to fail and under the FSCS if Barclays were to fail.
How it works
- Add your money to the Active Savings Account.
- Choose as many products as you like from our different banking partners.
- Spread your money across the products.
- Withdraw your money or select a new product to save into.
Hear why Nick chose Active Savings
Nick talks about his experience with Active Savings.
Ready to get started?
Open an Active Savings Account. Deposit your cash and watch your savings grow.
Active Savings Account or Cash ISA?
Not sure what's right for you? Read more about our accounts and learn about differences in tax treatments, contribution limits and access to cash.
Insights
Guides and Tools
We've pulled together everything you need to know to make the most from your savings.
Frequently asked questions
If you've got a more detailed question that hasn't been answered in our pages, take a look through our FAQs.
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Be the first to hear when transfers into the HL Cash ISA are available and when we welcome new banking partners.
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.