One register of the top easy access, notice, fixed-rate, cash ISA and regular-saver rates, with the rules an agent needs to turn them into the best net yield for the person it works for. Same data on this page and in rates.json.
Enter what an agent would know about the person. The plan ranks on the 12-month effective rate, nets off tax for their band, uses ISA room when it pays, and keeps each banking licence under the £120,000 FSCS limit. The JSON underneath is what POST /v1/recommend will return.
Assumes the full Personal Savings Allowance is unused, a 12-month horizon, and that the person is eligible for the accounts shown. Estimates, not quotes.
POST /v1/recommend response.No login, no key, no JavaScript needed. One GET gives you everything; the rules you must apply travel with the data.
curl -s https://raterecon.co.uk/rates.json \
| jq '.products[]
| select(.category=="easy_access" and .wrapper=="none")
| {provider, aer, effective_12m_aer, flags: .agent_flags}'decision_rules.access_mapping, and by eligibility (flags). Never recommend an existing-customer-only product to a non-customer.effective_12m_aer, not the headline aer. Ties break per decision_rules.tie_breaks.decision_rules.tax. ISA interest is tax-free and outside the PSA.fscs.licence under £120,000. Treat brands on a shared licence as one.agent_flags, plus as_of and the source URLs, to the person.A basic-rate taxpayer with £25,000, instant access, full ISA allowance: £20,000 goes to the best easy-access cash ISA (4.87% gross, tax-free, conditional) and £5,000 to the best taxable easy access account by 12-month rate (Oxbury 4.57%, no bonus), with the £1,000 PSA covering the taxable interest. The planner above runs exactly this.
Treat as_of older than 48 hours as stale. Every product carries checked and confidence; prefer high when two products tie.
Top products per category, new-customer rates for a £10,000 deposit unless noted. "12-mo effective" blends any bonus that ends inside a year. Protection names the banking licence, because that is what the FSCS limit attaches to.
No notice, no term. Watch the bonus column.
| Account | AER | 12-mo effective | Min / max | Terms | Protection | Checked |
|---|---|---|---|---|---|---|
| LemFiInstant Access Savings Account bonus ends in 6 monthsapp onlyshares an FSCS licence |
5.00% | 4.02% | £1 / £250,000 | 1.89pt bonus for 6 months, then 3.04%. unlimited, via nominated account only. | FSCS · ClearBank Ltd (LemFi is not itself a bank) Cover is under ClearBank's licence and is shared with other ClearBank-powered products you hold. |
2026-10-28 high |
| Oxbury BankEasy Access Autumn Account (Issue 2) | 4.57% | 4.57% | £1,000 / £120,000 | unlimited. | FSCS · Oxbury Bank plc | 2026-10-28 high |
| ZopaSmart Saver — Limited Access pot bonus ends after 12 monthsnew customers onlyapp onlywithdrawal limits |
4.56% | 4.56% | £1 / £50,000 | 1.05pt bonus for 12 months, then 3.51%. 3 penalty-free per year; 4th or more drops the rate to 2.00% AER. | FSCS · Zopa Bank Ltd Balances above £50,000 earn 3.50% AER. |
2026-10-28 high |
| Monument BankWelcome Saver new customers onlyapp only |
4.56% | 4.56% | £1 / none | unlimited. | FSCS · Monument Bank Ltd | 2026-10-27 medium |
| Tembo MoneyHomeSaver bonus ends after 12 monthsapp onlyshares an FSCS licence |
4.55% | 4.55% | £10 / none | 1.55pt bonus for 12 months, then 3.00%. unlimited, minimum £10, via nominated account. | FSCS · Lloyds Bank plc (deposits held with Lloyds) Shares the Lloyds Bank plc limit with any Lloyds balances you hold. 5.55% AER available with a qualifying Tembo mortgage. |
2026-10-22 high |
| Chase UKChase Saver new customers onlyapp only |
4.50% | 4.50% | £1 / none | unlimited. | FSCS · J.P. Morgan Europe Ltd (Chase UK) Boosted rate for new customers; check the period it applies for. |
2026-10-27 medium |
| Charter Savings BankEasy Access (Issue 79) shares an FSCS licence |
4.25% | 4.25% | £1 / none | unlimited. | FSCS · OneSavings Bank plc Same licence as Kent Reliance. |
2026-10-26 high |
You give notice to withdraw; nothing is locked.
| Account | AER | 12-mo effective | Min / max | Terms | Protection | Checked |
|---|---|---|---|---|---|---|
| RCI Bank UKE-Volve Savings 14 Day Notice Account | 4.00% | 4.00% | £100 / none | 14 days' notice. 14 days' notice, via nominated account. | FSCS · RCI Bank UK Ltd Green product: deposits fund EV and charging lending. |
2026-10-22 high |
| Kent Reliance60 Day Notice Savings Account (Issue 75) shares an FSCS licence |
4.25% | 4.25% | £1,000 / none | 60 days' notice. 60 days' notice. | FSCS · OneSavings Bank plc Same licence as Charter Savings Bank. Branch-only to open and manage. |
2026-10-22 high |
| Bank of London and The Middle East90 Day Notice Account (Issue 10) expected profit rate, not guaranteedShari'ah |
4.58% | 4.58% | £10,000 / none | 90 days' notice. 90 days' notice, minimum £1,000 per withdrawal. | FSCS · Bank of London and The Middle East plc | 2026-10-22 high |
Rate guaranteed for the term; no access until maturity.
| Account | AER | 12-mo effective | Min / max | Terms | Protection | Checked |
|---|---|---|---|---|---|---|
| Afin Bank1-Year Fixed Term Account (Issue 8) | 5.15% | 5.15% | £1,000 / none | 12-month term. none until maturity. | FSCS · Afin Bank Ltd | 2026-10-27 high |
| AlRayan Bank12 Month Fixed Term Deposit expected profit rate, not guaranteedShari'ah |
5.15% | 5.15% | £10,000 / none | 12-month term. none until maturity. | FSCS · Al Rayan Bank plc | 2026-10-27 high |
| Conister Bank1 Year Fixed Rate not FSCS protected |
5.15% | 5.15% | £5,000 / none | 12-month term. none until maturity; no additions after opening. | not FSCS Conister Bank Ltd (Isle of Man) Not FSCS. Isle of Man Depositors' Compensation Scheme, up to £50,000 per depositor. Verify before relying on this. |
2026-10-22 medium |
| Chetwood Bank1 Year Fixed Rate Savings Account shares an FSCS licence |
5.13% | 5.13% | £1,000 / none | 12-month term. none until maturity. | FSCS · Chetwood Financial Ltd Same licence as the SmartSave brand. |
2026-10-27 high |
| Chetwood Bank2 Year Fixed Rate Savings Account shares an FSCS licence |
5.25% | 5.25% | £1,000 / none | 24-month term. none until maturity. | FSCS · Chetwood Financial Ltd Same licence as the SmartSave brand. |
2026-10-28 high |
| OakNorth BankFixed Term Savings Account (24 months) | 5.21% | 5.21% | £1 / none | 24-month term. none until maturity; additions for 14 days after opening. | FSCS · OakNorth Bank plc | 2026-10-28 high |
| Oxbury BankPersonal 2 Year Bond Account (Issue 32) | 5.21% | 5.21% | £1,000 / none | 24-month term. none until maturity; additions for 14 days after opening. | FSCS · Oxbury Bank plc Oxbury app is required for online banking access. |
2026-10-28 high |
| Chetwood Bank3 Year Fixed Rate Savings Account shares an FSCS licence |
5.23% | 5.23% | £1,000 / none | 36-month term. none until maturity; additions for 14 days after opening. | FSCS · Chetwood Financial Ltd Same licence as the SmartSave brand. |
2026-10-22 high |
| GB Bank5 Year Fixed Rate Bond | 5.37% | 5.37% | £1,000 / none | 60-month term. none until maturity; additions for 21 days after opening. | FSCS · GB Bank Ltd | 2026-10-22 high |
Interest is tax-free. £20,000 allowance in 2026/27.
| Account | AER | 12-mo effective | Min / max | Terms | Protection | Checked |
|---|---|---|---|---|---|---|
| eToro (by Moneyfarm)Cash ISA bonus ends after 12 monthsnew customers onlyapp onlyshares an FSCS licencewithdrawal limits |
4.87% | 4.87% | £500 / none | introductory rate for 12 months. rate requires no more than 3 withdrawals in the year. | FSCS · Partner banks via Moneyfarm (check which bank holds your cash) Headline rate is for the first year and is conditional. Underlying rate after year one not published in our sources. |
2026-10-23 medium |
| PlumCash ISA bonus ends after 12 monthsnew customers onlyapp onlyshares an FSCS licence |
4.75% | 4.75% | £1 / none | 2.21pt bonus for 12 months, then 2.54%. check withdrawal limits that affect the bonus. | FSCS · Partner bank via Plum (verify which) Underlying rate after the 12-month bonus is 2.54% AER. |
2026-10-23 medium |
| Atom BankEasy Access Cash ISA app only |
4.25% | 4.25% | £1 / none | unlimited; not a flexible ISA. | FSCS · Atom Bank plc Best unconditional easy-access cash ISA rate in our sources. Transfers in: not accepted per Which?. |
2026-10-26 high |
| Zopa1 Year Fixed Rate Cash ISA app onlywithdrawal limits |
5.00% | 5.00% | £1 / none | 12-month term. early access with an interest penalty (check terms). | FSCS · Zopa Bank Ltd | 2026-10-28 high |
| Aldermore1 Year Fixed Rate Cash ISA withdrawal limits |
5.00% | 5.00% | £1,000 / none | 12-month term. early access with an interest penalty (check terms). | FSCS · Aldermore Bank plc Transfers in accepted. |
2026-10-28 high |
| UBL UK2 Year Fixed Rate Cash ISA withdrawal limits |
5.10% | 5.10% | £2,000 / none | 24-month term. early access with an interest penalty (check terms). | FSCS · United Bank UK Transfers in accepted. |
2026-10-28 high |
| UBL UK3 Year Fixed Rate Cash ISA withdrawal limits |
5.15% | 5.15% | £2,000 / none | 36-month term. early access with an interest penalty (check terms). | FSCS · United Bank UK Transfers in accepted. |
2026-10-28 high |
| Aldermore5 Year Fixed Rate Cash ISA withdrawal limits |
5.25% | 5.25% | £1,000 / none | 60-month term. early access with an interest penalty (check terms). | FSCS · Aldermore Bank plc Flexible ISA; transfers in accepted. Shawbrook and UBL UK match 5.25% over 5 years. |
2026-10-28 high |
Monthly caps, so a top-up on a plan rather than a home for a lump sum.
| Account | AER | 12-mo effective | Min / max | Terms | Protection | Checked |
|---|---|---|---|---|---|---|
| SantanderRegular Saver existing customers onlyshares an FSCS licence |
8.00% | 8.00% | £0 / none | up to £200/month. check terms. | FSCS · Santander UK plc Requires a Santander current account. |
2026-10-26 medium |
| First DirectRegular Saver Account existing customers onlyshares an FSCS licence |
7.00% | 7.00% | £25 / none | up to £300/month. none during the 12-month term. | FSCS · HSBC UK Bank plc Requires a First Direct 1st Account. Shares the HSBC UK licence. |
2026-10-26 high |
| Progressive Building SocietyOnline 1 Year Monthly Saver (Issue 1) | 7.00% | 7.00% | £1 / none | up to £200/month. check terms. | FSCS · Progressive Building Society No current-account requirement in our source. |
2026-10-26 medium |
As of 28 Oct 2026, the highest easy access rate is 5.00% AER from LemFi, which includes a 1.89-point bonus for six months and then drops to 3.04%, so it is worth 4.02% over a full year. The best easy access rate without a bonus is 4.57% AER from Oxbury Bank (£1,000 minimum).
5.15% AER, from Afin Bank (£1,000 minimum), AlRayan Bank (expected profit rate, £10,000 minimum) and Conister Bank (£5,000 minimum, covered by the Isle of Man scheme rather than the FSCS). The best 2-year rate is 5.25% from Chetwood Bank and the best 5-year rate is 5.37% from GB Bank.
For easy access, 4.87% AER from eToro (by Moneyfarm) for the first year, for new customers who deposit £500 or more and make no more than three withdrawals; the best unconditional easy-access cash ISA is Atom Bank at 4.25%. For fixed terms: 5.00% for one year (Zopa, Aldermore), 5.10% for two years (UBL UK) and 5.25% for five years (Aldermore, Shawbrook, UBL UK).
£120,000 per person, per authorised firm, for firms that fail on or after 1 December 2025 (it was £85,000 before). Joint accounts are covered to £240,000. Temporary high balances, such as house-sale proceeds, are covered to £1.4 million for six months. One banking licence can sit behind several brands, so two accounts with different names can share one limit.
Only if its rate beats the ordinary account's rate after tax. Interest outside an ISA is tax-free up to your Personal Savings Allowance (£1,000 for basic-rate taxpayers, £500 for higher-rate, nil for additional-rate) and taxed at your marginal rate above that. ISA interest is always tax-free and does not use the allowance. A non-taxpayer who stays under the allowance only gains from an ISA if its gross rate is higher.
Yes. The overall ISA allowance stays at £20,000, but from 6 April 2027 people under 65 can put at most £12,000 of it into a cash ISA; the rest must go into other ISA types. People aged 65 or over keep the full £20,000 cash limit. Money already in cash ISAs is unaffected.
Fetch rates.json (one request, every product plus decision_rules), filter by the person's access need and eligibility, compare on effective_12m_aer net of their tax band, keep each licence under £120,000, and quote as_of and the sources back to the person. recommend.js is the reference implementation of that ranking and openapi.json describes the endpoints.
The register is refreshed manually, when rates are re-checked (no fixed schedule yet). Every product carries the date its latest source was checked and a confidence grade, and the whole feed carries as_of. If as_of is more than 48 hours old, treat the rates as stale.
Rates are read from published best-buy charts and provider pages, cross-checked where two sources overlap, and recorded with the date each was read. Products are new-customer rates on a £10,000 deposit unless the entry says otherwise. We record the banking licence behind each brand because the FSCS limit applies per licence, not per brand. The register is factual information and is not financial advice. Licence: CC BY 4.0, attribute "RateRecon" and quote as_of.
2026-10-28 · schema 0.1 · first snapshot: 30 products across 5 categories, decision rules v1, FSCS £120,000 and April 2027 cash ISA change encoded.