What are Premium Bonds and who are they for? NS&I Premium Bonds are not a savings account in the conventional sense. Instead of paying interest, every pound you hold enters a monthly prize draw. The prize fund rate, set at 3.80% AER equivalent from the July 2026 draw, determines the total pot distributed across millions … Read more
What Raisin UK is — and who should use it Raisin UK is a savings marketplace, not a bank. You open one account with Raisin, hand over your cash once, and from that single dashboard you can spread money across more than 40 partner banks and building societies — all without filling in a new … Read more
What the Plum Easy Access Account is and who it suits Plum is a UK-based fintech that built its reputation as an AI-powered saving and investing app before branching into formal savings products. The Easy Access Account sits inside that same app, letting existing Plum users park cash in an interest-bearing pocket without opening a … Read more
Overview: what Yorkshire Building Society offers and who it suits Yorkshire Building Society (YBS) has been a fixture of British savings since 1864. It is a mutual, meaning it is owned by its members rather than shareholders, and that structure shapes everything from how profits are reinvested to how customer service is staffed. In our … Read more
Overview: what Skipton Building Society offers and who it suits Skipton Building Society has operated since 1853, making it one of the longest-standing mutual financial institutions in the UK. It is the fourth-largest building society in the country and remains member-owned, which shapes how it distributes returns. Unlike a shareholder-driven bank, surpluses can be channelled … Read more
What the Trading 212 Cash ISA is, and who it suits The Trading 212 Cash ISA is a flexible, app-based individual savings account that pays interest on deposits up to the annual ISA allowance of £20,000. Every penny of that interest is sheltered from UK income tax, which is the whole point of the wrapper. … Read more
Overview: what the Moneybox Cash ISA is, and who it suits The Moneybox Cash ISA is an easy-access, app-only individual savings account aimed squarely at UK savers who want a competitive tax-free rate without locking their money away for years. It sits in the cash ISA corner of the market rather than stocks-and-shares, so every … Read more
Overview: what the TSB Business Plus Account offers and who it suits TSB has been part of British banking for nearly two centuries, and the Business Plus Account is its flagship offering for UK-based small businesses and sole traders. The proposition is straightforward: 30 months of free day-to-day banking for new customers, a Mastercard debit … Read more
Overview: who this account is for, and who should skip it Bank of Scotland has been serving Scottish businesses since 1695, and the current Business Bank Account carries that long institutional heritage into a fairly conventional UK business current account. It sits within the Lloyds Banking Group alongside Halifax and Lloyds Bank, which means broad … Read more
Who the Virgin Money Business Account suits (and who it does not) Virgin Money has positioned its business current account squarely at sole traders, freelancers, and early-stage limited companies that want a name they recognise behind their banking without paying a monthly fee on day one. The 25-month free banking period is the headline offer, … Read more