Best savings rates: Savings platforms to manage your money in one place – with easy-access, fixed-rates and notice accounts and bonus boosters
- We reveal the top deals from savings platform Raisin and Hargreaves Lansdown
- Sometimes you can boost the rate on your savings using a platform
- You can manage your savings cash under one roof and grab a bonus
Products featured in this article are independently selected by This is Money’s specialist journalists. If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence.
A new wave of savings platforms have emerged in recent years which help savers keep track of their accounts more easily and move money into better rates after signing up.
They might not always offer the best rates on the market, but allow you to manage multiple accounts in one place. In some cases they offer exclusive deals that beat the market.
They also sometimes have sign-up bonuses that can help boost rates to make them better than what is on offer elsewhere and also offer Financial Services Compensation Scheme protection.
For example, Hargreaves Lansdown has reintroduced its cash bonus for those who sign-up and save within its savings platform, Active Savings.* The cash bonus is tiered and ranges from £20-£100 depending on how much someone puts in.
For example, anyone depositing between £10,000 and £19,999 will receive £20, while those depositing £80,000 or more will receive a £100 bonus.
Two free to use savings platforms that have consistently offered deals on par with the best buys this year are Raisin UK* and Hargreaves Lansdown’s Active Savings.*
The best deals on these platforms ca be found below.
Rival platforms include Flagstone, AJ Bell’s Cash Savings Hub*, and Aviva Save.
Below we round up the top rates with Raisin and Hargreaves Lansdown and reveal whether they beat the best buys in our independent This is Money savings tables.
| Deal | Rate | Rate with boost and £10k | Does it beat the best buy? |
|---|---|---|---|
| Zopa Bank* | 3.52% | 3.72% | No |
| Allica Bank* | 3.51% | 3.71% | No |
| Coventry Building Society* (1) | 3.44% | 3.64% | No |
| Paragon Bank* | 3.3% | 3.5% | No |
| (1) You can take money out of the product up to 6 times a year without having to pay a charge | |||
Compare the best DIY investing platforms and stocks & shares Isas
Investing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that suits you.
When it comes to choosing a DIY investing platform, stocks & shares Isa or a general investing account, the range of options might seem overwhelming.
Every provider has a slightly different offering, charging more or less for trading or holding shares and giving access to a different range of stocks, funds and investment trusts.
When weighing up the right one for you, it’s important to to look at the service that it offers, along with administration charges and dealing fees, plus any other extra costs.
To help you compare the best investment accounts, we’ve crunched the facts and pulled together a comprehensive guide to choosing the best and cheapest investing account for you.
We highlight the main players in the table below but would advise doing your own research and considering the points in our full guide linked here.
>> This is Money’s full guide to the best investing platforms and Isas
Platforms featured below are independently selected by This is Money’s specialist journalists. If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence.
| Admin charge | Charges notes | Fund dealing | Standard share, trust, ETF dealing | Regular investing | Dividend reinvestment | ||
|---|---|---|---|---|---|---|---|
| AJ Bell* | 0.25% | Max £3.50 per month for shares, trusts, ETFs. | £1.50 | £9.95 | £1.50 | £1.50 per deal | More details |
| Bestinvest* | 0.40% (0.2% for ready made portfolios) | Account fee cut to 0.2% for ready made investments | Free | £4.95 | Free for funds | Free for income funds | More details |
| Charles Stanley Direct | 0.35% | No platform fee on shares if a trade in that month and annual max of £240 | Free | £11.50 | n/a | n/a | More details |
| Fidelity* | 0.35% on funds | £7.50 per month up to £25,000 or 0.35% with regular savings plan. Max £45 per year for shares, trusts, ETFs | Free | £7.50 | Free funds £1.50 shares, trusts ETFs | £1.50 | More details |
| Hargreaves Lansdown* | 0.45% | Capped at £45 for shares, trusts, ETFs | Free | £11.95 | £1.50 | 1% (£1 min, £10 max) | More details |
| Interactive Investor* | £9.99 per month, or £4.99 under £30k holdings, £12.99 for Sipp | £5.99 per month back in free trading credit (does not apply to £4.99 plan) | £5.99 | £5.99 | Free | £0.99 | More details |
| iWeb | £100 one-off | £5 | £5 | n/a | 2%, max £5 | More details | |
| Accounts that have some limits but attractive offers | |||||||
| Etoro* No Isa or Sipp | Free | Investment account offers stocks and ETFs. Beware high risk CFDs in trading account | Not available | Free | n/a | n/a | More details |
| Freetrade* No investment funds | Free for Basic account, £4.99 per month for Standard with Isa £9.99 for Plus | Freetrade Plus with more investments and Sipp is £9.99/month inc. Isa fee | No funds | Free | n/a | n/a | More details |
| Vanguard Only Vanguard’s own products | 0.15% | Only Vanguard funds | Free | Free only Vanguard ETFs | Free | n/a | More details |
| (Source: ThisisMoney.co.uk Mar 2023. Admin % charge may be levied monthly or quarterly | |||||||
