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Find your way to save

Whether you’re looking for instant access for flexibility or a fixed term for a guaranteed rate, our savings accounts let you plan for the future in a way that suits you.

See the range of cash ISAs and savings accounts side by side for easy comparison. Compare our range

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123 World Offer

Regular eSaver

Find out more about Regular eSaver

Online regular savings funded from your Santander current account

  • 3.00% AER/gross (fixed) for 12 months.

  • 5.00% AER/gross (fixed) for 12 months for 1|2|3 World or Santander Select customers.

  • Save up to £200 a month paid by standing order from your Santander current account.

  • Withdraw funds from your Regular eSaver by transferring funds into a Santander current account.

  • Manage your account through Online or Mobile Banking.

  • If you pay in £200pm for the full 12 months and make no withdrawals, you'll get back what you paid in plus up to £38.60 (or up to £64.33 for 1|2|3 World or Select customers) in interest, depending on your standing order date.

123 World Offer

  Find out more


eSaver (Issue 11)

An online savings account with instant, penalty-free access

  • 0.15% AER/gross (variable) for 12 months.

  • 0.25% AER/gross (variable) for 12 months for 1|2|3 World or Santander Select customers.

  • Save from £1 up to £2 million. Unlimited deposits and withdrawals

  • Manage your account through Online and Mobile Banking.

123 World Offer

  Find out more


Everyday Saver

Everyday Saver

A straightforward savings account with instant, flexible access

  • 0.25% AER/gross (variable).

  • Unlimited deposits and withdrawals.

  • Save from £1 up to £2 million.

  • Manage your account through online, mobile, branch or telephone.

  Find out more

Fixed Term Bonds

Fixed Rate Bonds

A guaranteed interest rate for a fixed term

  • 0.50% - 1.00% AER/gross (fixed) depending on the term and if you’re a 1|2|3 World or Santander Select customer.

  • Choose from a range of terms.

  • Save from £500 up to £2 million.

  • No additional deposits, withdrawals or account closures permitted. 

123 World Offer

  Find out more


Depending on your financial goals and plans for the future, if you can afford to put your money away for the medium to long term (usually for five years or more), then you might be interested in investments. They give you the potential to make higher returns over the longer term than saving.


Stocks and Shares ISAs are a tax efficient way to invest giving you the potential for higher returns than savings accounts over the longer term, typically for at least 5 years or more. All investments carry varying degrees of risk to your money. 

The value of investments and any income from them can go down as well as up and you may get back less than the full amount you invest.

Find out more

Guide to ISAs

We've put together a short video to help you understand more about saving and investing into cash ISAs.

Guide to ISAs

Compare all Savings accounts and cash ISAs

See all of our Savings accounts and cash ISAs side by side for easy comparison.


Compare all accounts

Frequently asked questions

  • To find your savings interest rate you can use our Interest Rate Finder


    If you hold a Fast Access, SIPP Fast Access, Special Reserve, Cash ISA (TOISA), Retirement Investment Account (ANRIA), Santander Shareholder Account, Treasurers Instant Saver or Charity Investment Account, details of your interest rates can be found here (pdf) 

  • We're sorry to hear that you are thinking about closing your savings account or cash ISA. Please send a secure message through your online banking, visit your local branch or call 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

  • Your bond maturity date can be found on the bond certificate that was issued to you when you opened the account.

  • The easiest way to change your address and contact details (including your telephone number and email address) is to do it via Online Banking. It will be changed instantly.

    If you have a joint account you can only change your own name and/or address within Online Banking. If both names and/or addresses need to be changed, both account holders must log on to their own Online Banking and change their own details.

    You can also change it by telephone or in branch.

    1. Online Banking (instant):

      Log on and update your details instantly from within the "My Details & Settings" tab.

      • Choose 'Change personal details' from the left hand menu and then click 'Change address'.

      • Enter your new details (including postcode) and follow the onscreen instructions.

      • Please note: You will need to enter a One Time Passcode (OTP) to complete this change, so make sure you have your mobile phone to hand.

    2. By telephone (for current account and savings customers):

      • Call our Telephone Banking line on 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

    3. In branch:

      • Complete a change of details form by

        • Printing off and completing the Change of details form (pdf) *

        • Requesting a copy of the form by calling us on 0800 9 123 123. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

        • Collect a form from your local branch.

      • Take the form to your local branch together with relevant account documentation:

        • Your cash card, passbook or certificate and;

        • Signature bearing identification such as a full UK driving licence or valid EEA passport (this includes UK passport).

    If you would like to discuss our identification requirements please call us on 0800 9 123 123 and we will be happy to help. Lines open 7am to 9pm Monday to Saturday and 8am to 9pm Sundays.

    Important information for customers with alerts: If you have Account alerts set up on your account and you want these to be sent to your updated telephone number and/or email address, then you will need to amend your alerts via the 'Account Services' tab in Online Banking as they are not automatically updated when you change your details.

    * To open these documents you will need to have Adobe Reader. If you don't already have Adobe Reader you can download it for free

  • Can't find what you are looking for? More help can be found at on the Savings FAQs page.

AER explained
AER stands for Annual Equivalent Rate and shows what the interest rate would be if we paid interest and added it to your account each year.

Gross rate explained
The gross rate is the interest rate we pay where no income tax has been deducted.

Interest is calculated daily and paid annually.

A Santander 1|2|3 World customer is someone who holds one of our 1|2|3 current accounts, Select Current Account, 1|2|3 Credit Card (including additional card holders) or the 1|2|3 Mini Account (in Trust). Trustees are not classed as 1|2|3 World customers. All customers must meet the eligibility for each product and 1|2|3 World offer. Find out more about 1|2|3 World. Please note that the 1|2|3 Credit Card is no longer on sale.

To join Santander Select you must have a Select Current Account and meet one of the following criteria: pay your main income of at least £5,000 per month into a Select Current Account (excluding transfers from other Santander accounts), or keep £75,000 in any Santander investment(s), savings or current account.  Find out more about Santander Select.

Stocks and Shares ISA
The Stocks and Shares ISA is provided by Santander ISA Managers Limited. Registered in Scotland SC151605 at 287 St Vincent Street, Glasgow, G2 5NB, United Kingdom. Telephone 0800 328 1328. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 171448.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.