{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "name": "RateRecon UK savings best-buy register",
  "description": "Best UK retail savings rates by category with the decision rules an AI agent needs to pick the best net yield for a person. Factual information, not advice.",
  "schema_version": "0.1",
  "as_of": "2026-10-28T19:00:00Z",
  "next_refresh_policy": "manually, when rates are re-checked (no fixed schedule yet)",
  "licence": "CC BY 4.0 — attribute 'RateRecon' and quote as_of",
  "canonical": "https://raterecon.co.uk/rates.json",
  "market": "GB",
  "currency": "GBP",
  "counts": {
    "products": 30,
    "categories": 5,
    "sources": 14
  },
  "field_glossary": {
    "aer": "Annual Equivalent Rate, % per year, as published by the provider",
    "effective_12m_aer": "AER blended over 12 months when an introductory bonus ends earlier; equals aer otherwise",
    "rate_type": "variable | fixed | expected_profit (Shari'ah-compliant, not guaranteed)",
    "category": "easy_access | notice | fixed | regular_saver",
    "wrapper": "none (taxable interest) | cash_isa (tax-free)",
    "bonus": "introductory uplift: points added to the underlying rate, months it lasts, the AER it reverts to",
    "fscs": "whether the FSCS covers it, which banking licence it sits under, and whether that licence is shared with other brands",
    "flags": "eligibility constraints an agent must surface to the person",
    "confidence": "high = corroborated across sources within 7 days; medium = single source or older",
    "checked": "date the latest source for this product was read"
  },
  "macro": {
    "cpi_inflation": {
      "value": 3.5,
      "period": "September 2026",
      "source": "ONS via Moneyfactscompare",
      "published": "2026-10-21"
    },
    "bank_rate": {
      "value": null,
      "note": "Not tracked in schema 0.1. Agents should not infer it from this feed."
    }
  },
  "decision_rules": {
    "compare_on": "effective_12m_aer, then net_of_tax for the person's band, under the person's access and eligibility constraints",
    "effective_12m_aer": {
      "formula": "if bonus.months < 12: (aer * bonus.months + reverts_to_aer * (12 - bonus.months)) / 12; else aer",
      "rationale": "A 6-month bonus flatters the headline. Compare everything on a 12-month horizon unless the person will switch accounts when the bonus ends.",
      "example": {
        "product_id": "lemfi-instant-access",
        "aer": 5,
        "effective_12m_aer": 4.02
      }
    },
    "expected_profit_rate": "Shari'ah accounts quote an expected profit rate, not a guaranteed interest rate. Treat as the quoted number but flag it.",
    "tax": {
      "basis": "UK income tax on savings interest; ISA interest is tax-free and does not count towards the PSA",
      "personal_savings_allowance_gbp": {
        "non_taxpayer": 0,
        "basic": 1000,
        "higher": 500,
        "additional": 0
      },
      "marginal_rate_on_interest": {
        "non_taxpayer": 0,
        "basic": 0.2,
        "higher": 0.4,
        "additional": 0.45
      },
      "starting_rate_for_savings": "Up to £5,000 of interest at 0% for people whose other income is under £17,570; apply only when the person tells you their income.",
      "scotland": "Savings income is taxed at UK rates for Scottish taxpayers too.",
      "net_formula": "net = gross_interest - max(0, gross_interest - psa_remaining) * marginal_rate"
    },
    "isa": {
      "overall_allowance_gbp": 20000,
      "tax_year": "2026/27 (6 Apr 2026 – 5 Apr 2027)",
      "cash_isa_limit_from_2027_04_06": {
        "under_65": 12000,
        "aged_65_plus": 20000
      },
      "note": "Existing cash ISA balances are unaffected by the April 2027 change; it limits new contributions only.",
      "rule": "Put the first min(amount, allowance_remaining) into the best cash ISA whenever its gross rate beats the best non-ISA rate net of tax. For a non-taxpayer who will stay under the PSA, an ISA only wins if its gross rate is higher."
    },
    "fscs": {
      "limit_gbp": 120000,
      "since": "2025-12-01",
      "previous_limit_gbp": 85000,
      "scope": "per person, per PRA-authorised firm (one banking licence can cover several brands)",
      "joint_account_gbp": 240000,
      "temporary_high_balance_gbp": 1400000,
      "temporary_high_balance_months": 6,
      "rule": "Never recommend more than £120,000 with one licence. Split across licences, and treat brands on a shared licence as one. Products with fscs.covered = false sit under a different scheme; flag them and their lower limit."
    },
    "access_mapping": {
      "instant": [
        "easy_access"
      ],
      "notice_90": [
        "easy_access",
        "notice"
      ],
      "fix_12": [
        "easy_access",
        "notice",
        "fixed:term_months<=12"
      ],
      "fix_24": [
        "easy_access",
        "notice",
        "fixed:term_months<=24"
      ],
      "fix_60": [
        "easy_access",
        "notice",
        "fixed:term_months<=60"
      ]
    },
    "regular_savers": "Monthly contribution caps, so they never take a lump sum. Recommend them as a drip-feed on top of the lump-sum plan, only if the person already has (or will open) the required current account.",
    "tie_breaks": [
      "no bonus over bonus",
      "fscs.covered = true over not covered",
      "shared_licence = false over true",
      "lower min_deposit",
      "open_via includes online over app-only"
    ],
    "always_flag": [
      "bonus that ends within 12 months",
      "new_customers_only or existing_customers_only",
      "app_only",
      "expected_profit_rate",
      "fscs.covered = false",
      "shared_licence = true",
      "withdrawal limits that cut the rate"
    ],
    "not_advice": "RateRecon is factual information. It is not regulated financial advice and does not know the person's full circumstances."
  },
  "products": [
    {
      "id": "lemfi-instant-access",
      "provider": "LemFi",
      "product": "Instant Access Savings Account",
      "category": "easy_access",
      "wrapper": "none",
      "aer": 5,
      "rate_type": "variable",
      "bonus": {
        "points": 1.89,
        "months": 6,
        "reverts_to_aer": 3.04
      },
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 1,
      "max_deposit": 250000,
      "withdrawals": "unlimited, via nominated account only",
      "interest_paid": "monthly",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "ClearBank Ltd (LemFi is not itself a bank)",
        "shared_licence": true,
        "note": "Cover is under ClearBank's licence and is shared with other ClearBank-powered products you hold."
      },
      "sources": [
        {
          "name": "Moneyfactscompare easy access chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/",
          "checked": "2026-10-28"
        },
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        },
        {
          "name": "DepositScout easy access",
          "url": "https://depositscout.com/savings/easy-access",
          "checked": "2026-10-27"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4.02,
      "agent_flags": [
        "bonus ends in 6 months",
        "app only",
        "shares an FSCS licence"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "oxbury-easy-access-autumn-2",
      "provider": "Oxbury Bank",
      "product": "Easy Access Autumn Account (Issue 2)",
      "category": "easy_access",
      "wrapper": "none",
      "aer": 4.57,
      "rate_type": "variable",
      "bonus": null,
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 1000,
      "max_deposit": 120000,
      "withdrawals": "unlimited",
      "interest_paid": "monthly or annually",
      "open_via": [
        "online",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Oxbury Bank plc",
        "shared_licence": false,
        "note": null
      },
      "sources": [
        {
          "name": "Moneyfactscompare easy access chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/",
          "checked": "2026-10-28"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4.57,
      "agent_flags": [],
      "checked": "2026-10-28"
    },
    {
      "id": "zopa-limited-access-pot",
      "provider": "Zopa",
      "product": "Smart Saver — Limited Access pot",
      "category": "easy_access",
      "wrapper": "none",
      "aer": 4.56,
      "rate_type": "variable",
      "bonus": {
        "points": 1.05,
        "months": 12,
        "reverts_to_aer": 3.51
      },
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 1,
      "max_deposit": 50000,
      "withdrawals": "3 penalty-free per year; 4th or more drops the rate to 2.00% AER",
      "interest_paid": "monthly",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": true,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Zopa Bank Ltd",
        "shared_licence": false,
        "note": "Balances above £50,000 earn 3.50% AER."
      },
      "sources": [
        {
          "name": "Moneyfactscompare easy access chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/",
          "checked": "2026-10-28"
        },
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4.56,
      "agent_flags": [
        "bonus ends after 12 months",
        "new customers only",
        "app only",
        "withdrawal limits"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "monument-welcome-saver",
      "provider": "Monument Bank",
      "product": "Welcome Saver",
      "category": "easy_access",
      "wrapper": "none",
      "aer": 4.56,
      "rate_type": "variable",
      "bonus": null,
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 1,
      "max_deposit": null,
      "withdrawals": "unlimited",
      "interest_paid": "monthly",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": true,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Monument Bank Ltd",
        "shared_licence": false,
        "note": null
      },
      "sources": [
        {
          "name": "DepositScout easy access",
          "url": "https://depositscout.com/savings/easy-access",
          "checked": "2026-10-27"
        }
      ],
      "confidence": "medium",
      "effective_12m_aer": 4.56,
      "agent_flags": [
        "new customers only",
        "app only"
      ],
      "checked": "2026-10-27"
    },
    {
      "id": "tembo-homesaver",
      "provider": "Tembo Money",
      "product": "HomeSaver",
      "category": "easy_access",
      "wrapper": "none",
      "aer": 4.55,
      "rate_type": "variable",
      "bonus": {
        "points": 1.55,
        "months": 12,
        "reverts_to_aer": 3
      },
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 10,
      "max_deposit": null,
      "withdrawals": "unlimited, minimum £10, via nominated account",
      "interest_paid": "monthly",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Lloyds Bank plc (deposits held with Lloyds)",
        "shared_licence": true,
        "note": "Shares the Lloyds Bank plc limit with any Lloyds balances you hold. 5.55% AER available with a qualifying Tembo mortgage."
      },
      "sources": [
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4.55,
      "agent_flags": [
        "bonus ends after 12 months",
        "app only",
        "shares an FSCS licence"
      ],
      "checked": "2026-10-22"
    },
    {
      "id": "chase-saver",
      "provider": "Chase UK",
      "product": "Chase Saver",
      "category": "easy_access",
      "wrapper": "none",
      "aer": 4.5,
      "rate_type": "variable",
      "bonus": null,
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 1,
      "max_deposit": null,
      "withdrawals": "unlimited",
      "interest_paid": "monthly",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": true,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "J.P. Morgan Europe Ltd (Chase UK)",
        "shared_licence": false,
        "note": "Boosted rate for new customers; check the period it applies for."
      },
      "sources": [
        {
          "name": "DepositScout easy access",
          "url": "https://depositscout.com/savings/easy-access",
          "checked": "2026-10-27"
        }
      ],
      "confidence": "medium",
      "effective_12m_aer": 4.5,
      "agent_flags": [
        "new customers only",
        "app only"
      ],
      "checked": "2026-10-27"
    },
    {
      "id": "charter-easy-access-79",
      "provider": "Charter Savings Bank",
      "product": "Easy Access (Issue 79)",
      "category": "easy_access",
      "wrapper": "none",
      "aer": 4.25,
      "rate_type": "variable",
      "bonus": null,
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 1,
      "max_deposit": null,
      "withdrawals": "unlimited",
      "interest_paid": "monthly or yearly",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "OneSavings Bank plc",
        "shared_licence": true,
        "note": "Same licence as Kent Reliance."
      },
      "sources": [
        {
          "name": "Which? best savings accounts",
          "url": "https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5",
          "checked": "2026-10-26"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4.25,
      "agent_flags": [
        "shares an FSCS licence"
      ],
      "checked": "2026-10-26"
    },
    {
      "id": "rci-evolve-14-day",
      "provider": "RCI Bank UK",
      "product": "E-Volve Savings 14 Day Notice Account",
      "category": "notice",
      "wrapper": "none",
      "aer": 4,
      "rate_type": "variable",
      "bonus": null,
      "term_months": null,
      "notice_days": 14,
      "min_deposit": 100,
      "max_deposit": null,
      "withdrawals": "14 days' notice, via nominated account",
      "interest_paid": "monthly or annually",
      "open_via": [
        "online",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "RCI Bank UK Ltd",
        "shared_licence": false,
        "note": "Green product: deposits fund EV and charging lending."
      },
      "sources": [
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4,
      "agent_flags": [
        "14 days' notice"
      ],
      "checked": "2026-10-22"
    },
    {
      "id": "kent-reliance-60-day-75",
      "provider": "Kent Reliance",
      "product": "60 Day Notice Savings Account (Issue 75)",
      "category": "notice",
      "wrapper": "none",
      "aer": 4.25,
      "rate_type": "variable",
      "bonus": null,
      "term_months": null,
      "notice_days": 60,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "60 days' notice",
      "interest_paid": "monthly or yearly",
      "open_via": [
        "branch"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "OneSavings Bank plc",
        "shared_licence": true,
        "note": "Same licence as Charter Savings Bank. Branch-only to open and manage."
      },
      "sources": [
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4.25,
      "agent_flags": [
        "shares an FSCS licence",
        "60 days' notice"
      ],
      "checked": "2026-10-22"
    },
    {
      "id": "blme-90-day-10",
      "provider": "Bank of London and The Middle East",
      "product": "90 Day Notice Account (Issue 10)",
      "category": "notice",
      "wrapper": "none",
      "aer": 4.58,
      "rate_type": "expected_profit",
      "bonus": null,
      "term_months": null,
      "notice_days": 90,
      "min_deposit": 10000,
      "max_deposit": null,
      "withdrawals": "90 days' notice, minimum £1,000 per withdrawal",
      "interest_paid": "quarterly",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": true,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Bank of London and The Middle East plc",
        "shared_licence": false,
        "note": null
      },
      "sources": [
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4.58,
      "agent_flags": [
        "expected profit rate, not guaranteed",
        "90 days' notice"
      ],
      "checked": "2026-10-22"
    },
    {
      "id": "afin-1yr-fixed-8",
      "provider": "Afin Bank",
      "product": "1-Year Fixed Term Account (Issue 8)",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.15,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "none until maturity",
      "interest_paid": "on maturity",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Afin Bank Ltd",
        "shared_licence": false,
        "note": null
      },
      "sources": [
        {
          "name": "Moneyfactscompare 1-year bond chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/1-year-fixed-rate-bonds/",
          "checked": "2026-10-27"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.15,
      "agent_flags": [
        "fixed for 12 months"
      ],
      "checked": "2026-10-27"
    },
    {
      "id": "alrayan-12m-fixed",
      "provider": "AlRayan Bank",
      "product": "12 Month Fixed Term Deposit",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.15,
      "rate_type": "expected_profit",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 10000,
      "max_deposit": null,
      "withdrawals": "none until maturity",
      "interest_paid": "quarterly or on maturity",
      "open_via": [
        "online",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": true,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Al Rayan Bank plc",
        "shared_licence": false,
        "note": null
      },
      "sources": [
        {
          "name": "Moneyfactscompare 1-year bond chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/1-year-fixed-rate-bonds/",
          "checked": "2026-10-27"
        },
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.15,
      "agent_flags": [
        "expected profit rate, not guaranteed",
        "fixed for 12 months"
      ],
      "checked": "2026-10-27"
    },
    {
      "id": "conister-1yr-fixed",
      "provider": "Conister Bank",
      "product": "1 Year Fixed Rate",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.15,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 5000,
      "max_deposit": null,
      "withdrawals": "none until maturity; no additions after opening",
      "interest_paid": "on maturity",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": false,
        "licence": "Conister Bank Ltd (Isle of Man)",
        "shared_licence": false,
        "note": "Not FSCS. Isle of Man Depositors' Compensation Scheme, up to £50,000 per depositor. Verify before relying on this."
      },
      "sources": [
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "medium",
      "effective_12m_aer": 5.15,
      "agent_flags": [
        "not FSCS protected",
        "fixed for 12 months"
      ],
      "checked": "2026-10-22"
    },
    {
      "id": "chetwood-1yr-fixed",
      "provider": "Chetwood Bank",
      "product": "1 Year Fixed Rate Savings Account",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.13,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "none until maturity",
      "interest_paid": "on anniversary",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Chetwood Financial Ltd",
        "shared_licence": true,
        "note": "Same licence as the SmartSave brand."
      },
      "sources": [
        {
          "name": "Moneyfactscompare 1-year bond chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/1-year-fixed-rate-bonds/",
          "checked": "2026-10-27"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.13,
      "agent_flags": [
        "shares an FSCS licence",
        "fixed for 12 months"
      ],
      "checked": "2026-10-27"
    },
    {
      "id": "chetwood-2yr-fixed",
      "provider": "Chetwood Bank",
      "product": "2 Year Fixed Rate Savings Account",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.25,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 24,
      "notice_days": null,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "none until maturity",
      "interest_paid": "on anniversary",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Chetwood Financial Ltd",
        "shared_licence": true,
        "note": "Same licence as the SmartSave brand."
      },
      "sources": [
        {
          "name": "Moneyfactscompare 2-year bond chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/2-year-fixed-rate-bonds/",
          "checked": "2026-10-28"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.25,
      "agent_flags": [
        "shares an FSCS licence",
        "fixed for 24 months"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "oaknorth-24m-fixed",
      "provider": "OakNorth Bank",
      "product": "Fixed Term Savings Account (24 months)",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.21,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 24,
      "notice_days": null,
      "min_deposit": 1,
      "max_deposit": null,
      "withdrawals": "none until maturity; additions for 14 days after opening",
      "interest_paid": "on maturity",
      "open_via": [
        "online",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "OakNorth Bank plc",
        "shared_licence": false,
        "note": null
      },
      "sources": [
        {
          "name": "Moneyfactscompare 2-year bond chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/2-year-fixed-rate-bonds/",
          "checked": "2026-10-28"
        },
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.21,
      "agent_flags": [
        "fixed for 24 months"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "oxbury-2yr-bond-32",
      "provider": "Oxbury Bank",
      "product": "Personal 2 Year Bond Account (Issue 32)",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.21,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 24,
      "notice_days": null,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "none until maturity; additions for 14 days after opening",
      "interest_paid": "on anniversary",
      "open_via": [
        "online",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Oxbury Bank plc",
        "shared_licence": false,
        "note": "Oxbury app is required for online banking access."
      },
      "sources": [
        {
          "name": "Moneyfactscompare 2-year bond chart",
          "url": "https://moneyfactscompare.co.uk/savings-accounts/2-year-fixed-rate-bonds/",
          "checked": "2026-10-28"
        },
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.21,
      "agent_flags": [
        "fixed for 24 months"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "chetwood-3yr-fixed",
      "provider": "Chetwood Bank",
      "product": "3 Year Fixed Rate Savings Account",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.23,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 36,
      "notice_days": null,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "none until maturity; additions for 14 days after opening",
      "interest_paid": "on anniversary",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Chetwood Financial Ltd",
        "shared_licence": true,
        "note": "Same licence as the SmartSave brand."
      },
      "sources": [
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.23,
      "agent_flags": [
        "shares an FSCS licence",
        "fixed for 36 months"
      ],
      "checked": "2026-10-22"
    },
    {
      "id": "gb-bank-5yr-fixed",
      "provider": "GB Bank",
      "product": "5 Year Fixed Rate Bond",
      "category": "fixed",
      "wrapper": "none",
      "aer": 5.37,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 60,
      "notice_days": null,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "none until maturity; additions for 21 days after opening",
      "interest_paid": "monthly or on anniversary",
      "open_via": [
        "online",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "GB Bank Ltd",
        "shared_licence": false,
        "note": null
      },
      "sources": [
        {
          "name": "Moneyfactscompare weekly savings roundup",
          "url": "https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/",
          "checked": "2026-10-22"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.37,
      "agent_flags": [
        "fixed for 60 months"
      ],
      "checked": "2026-10-22"
    },
    {
      "id": "etoro-moneyfarm-cash-isa",
      "provider": "eToro (by Moneyfarm)",
      "product": "Cash ISA",
      "category": "easy_access",
      "wrapper": "cash_isa",
      "aer": 4.87,
      "rate_type": "variable",
      "bonus": {
        "points": null,
        "months": 12,
        "reverts_to_aer": null
      },
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 500,
      "max_deposit": null,
      "withdrawals": "rate requires no more than 3 withdrawals in the year",
      "interest_paid": "monthly",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": true,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Partner banks via Moneyfarm (check which bank holds your cash)",
        "shared_licence": true,
        "note": "Headline rate is for the first year and is conditional. Underlying rate after year one not published in our sources."
      },
      "sources": [
        {
          "name": "Boring Money top cash ISA rates",
          "url": "https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/",
          "checked": "2026-10-23"
        }
      ],
      "confidence": "medium",
      "effective_12m_aer": 4.87,
      "agent_flags": [
        "bonus ends after 12 months",
        "new customers only",
        "app only",
        "shares an FSCS licence",
        "withdrawal limits"
      ],
      "checked": "2026-10-23"
    },
    {
      "id": "plum-cash-isa",
      "provider": "Plum",
      "product": "Cash ISA",
      "category": "easy_access",
      "wrapper": "cash_isa",
      "aer": 4.75,
      "rate_type": "variable",
      "bonus": {
        "points": 2.21,
        "months": 12,
        "reverts_to_aer": 2.54
      },
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 1,
      "max_deposit": null,
      "withdrawals": "check withdrawal limits that affect the bonus",
      "interest_paid": "monthly",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": true,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Partner bank via Plum (verify which)",
        "shared_licence": true,
        "note": "Underlying rate after the 12-month bonus is 2.54% AER."
      },
      "sources": [
        {
          "name": "Boring Money top cash ISA rates",
          "url": "https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/",
          "checked": "2026-10-23"
        }
      ],
      "confidence": "medium",
      "effective_12m_aer": 4.75,
      "agent_flags": [
        "bonus ends after 12 months",
        "new customers only",
        "app only",
        "shares an FSCS licence"
      ],
      "checked": "2026-10-23"
    },
    {
      "id": "atom-easy-access-cash-isa",
      "provider": "Atom Bank",
      "product": "Easy Access Cash ISA",
      "category": "easy_access",
      "wrapper": "cash_isa",
      "aer": 4.25,
      "rate_type": "variable",
      "bonus": null,
      "term_months": null,
      "notice_days": 0,
      "min_deposit": 1,
      "max_deposit": null,
      "withdrawals": "unlimited; not a flexible ISA",
      "interest_paid": "monthly",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Atom Bank plc",
        "shared_licence": false,
        "note": "Best unconditional easy-access cash ISA rate in our sources. Transfers in: not accepted per Which?."
      },
      "sources": [
        {
          "name": "Which? best cash ISAs",
          "url": "https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe",
          "checked": "2026-10-26"
        },
        {
          "name": "Boring Money top cash ISA rates",
          "url": "https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/",
          "checked": "2026-10-23"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 4.25,
      "agent_flags": [
        "app only"
      ],
      "checked": "2026-10-26"
    },
    {
      "id": "zopa-1yr-fixed-isa",
      "provider": "Zopa",
      "product": "1 Year Fixed Rate Cash ISA",
      "category": "fixed",
      "wrapper": "cash_isa",
      "aer": 5,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 1,
      "max_deposit": null,
      "withdrawals": "early access with an interest penalty (check terms)",
      "interest_paid": "on maturity",
      "open_via": [
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": true,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Zopa Bank Ltd",
        "shared_licence": false,
        "note": null
      },
      "sources": [
        {
          "name": "Moneyfactscompare fixed-rate ISA chart",
          "url": "https://moneyfactscompare.co.uk/isa/fixed-rate-isas/",
          "checked": "2026-10-28"
        },
        {
          "name": "Boring Money top cash ISA rates",
          "url": "https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/",
          "checked": "2026-10-23"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5,
      "agent_flags": [
        "app only",
        "fixed for 12 months",
        "withdrawal limits"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "aldermore-1yr-fixed-isa",
      "provider": "Aldermore",
      "product": "1 Year Fixed Rate Cash ISA",
      "category": "fixed",
      "wrapper": "cash_isa",
      "aer": 5,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "early access with an interest penalty (check terms)",
      "interest_paid": "monthly or on anniversary",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Aldermore Bank plc",
        "shared_licence": false,
        "note": "Transfers in accepted."
      },
      "sources": [
        {
          "name": "Moneyfactscompare fixed-rate ISA chart",
          "url": "https://moneyfactscompare.co.uk/isa/fixed-rate-isas/",
          "checked": "2026-10-28"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5,
      "agent_flags": [
        "fixed for 12 months",
        "withdrawal limits"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "ubl-2yr-fixed-isa",
      "provider": "UBL UK",
      "product": "2 Year Fixed Rate Cash ISA",
      "category": "fixed",
      "wrapper": "cash_isa",
      "aer": 5.1,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 24,
      "notice_days": null,
      "min_deposit": 2000,
      "max_deposit": null,
      "withdrawals": "early access with an interest penalty (check terms)",
      "interest_paid": "monthly, on anniversary or on maturity",
      "open_via": [
        "online",
        "branch",
        "post",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "United Bank UK",
        "shared_licence": false,
        "note": "Transfers in accepted."
      },
      "sources": [
        {
          "name": "Moneyfactscompare fixed-rate ISA chart",
          "url": "https://moneyfactscompare.co.uk/isa/fixed-rate-isas/",
          "checked": "2026-10-28"
        },
        {
          "name": "Which? best cash ISAs",
          "url": "https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe",
          "checked": "2026-10-26"
        },
        {
          "name": "MoneyWeek best cash ISAs",
          "url": "https://moneyweek.com/personal-finance/savings/isas/best-cash-isas",
          "checked": "2026-10-19"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.1,
      "agent_flags": [
        "fixed for 24 months",
        "withdrawal limits"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "ubl-3yr-fixed-isa",
      "provider": "UBL UK",
      "product": "3 Year Fixed Rate Cash ISA",
      "category": "fixed",
      "wrapper": "cash_isa",
      "aer": 5.15,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 36,
      "notice_days": null,
      "min_deposit": 2000,
      "max_deposit": null,
      "withdrawals": "early access with an interest penalty (check terms)",
      "interest_paid": "monthly, quarterly, on anniversary or on maturity",
      "open_via": [
        "online",
        "branch",
        "post",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "United Bank UK",
        "shared_licence": false,
        "note": "Transfers in accepted."
      },
      "sources": [
        {
          "name": "Moneyfactscompare fixed-rate ISA chart",
          "url": "https://moneyfactscompare.co.uk/isa/fixed-rate-isas/",
          "checked": "2026-10-28"
        },
        {
          "name": "Which? best cash ISAs",
          "url": "https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe",
          "checked": "2026-10-26"
        },
        {
          "name": "MoneyWeek best cash ISAs",
          "url": "https://moneyweek.com/personal-finance/savings/isas/best-cash-isas",
          "checked": "2026-10-19"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.15,
      "agent_flags": [
        "fixed for 36 months",
        "withdrawal limits"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "aldermore-5yr-fixed-isa",
      "provider": "Aldermore",
      "product": "5 Year Fixed Rate Cash ISA",
      "category": "fixed",
      "wrapper": "cash_isa",
      "aer": 5.25,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 60,
      "notice_days": null,
      "min_deposit": 1000,
      "max_deposit": null,
      "withdrawals": "early access with an interest penalty (check terms)",
      "interest_paid": "monthly or on anniversary",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Aldermore Bank plc",
        "shared_licence": false,
        "note": "Flexible ISA; transfers in accepted. Shawbrook and UBL UK match 5.25% over 5 years."
      },
      "sources": [
        {
          "name": "Moneyfactscompare fixed-rate ISA chart",
          "url": "https://moneyfactscompare.co.uk/isa/fixed-rate-isas/",
          "checked": "2026-10-28"
        },
        {
          "name": "Which? best cash ISAs",
          "url": "https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe",
          "checked": "2026-10-26"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 5.25,
      "agent_flags": [
        "fixed for 60 months",
        "withdrawal limits"
      ],
      "checked": "2026-10-28"
    },
    {
      "id": "santander-regular-saver",
      "provider": "Santander",
      "product": "Regular Saver",
      "category": "regular_saver",
      "wrapper": "none",
      "aer": 8,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 0,
      "max_deposit": null,
      "monthly_max": 200,
      "withdrawals": "check terms",
      "interest_paid": "on anniversary",
      "open_via": [
        "branch",
        "online",
        "app",
        "phone"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": true,
        "app_only": false,
        "shariah": false,
        "requires_other_product": true
      },
      "fscs": {
        "covered": true,
        "licence": "Santander UK plc",
        "shared_licence": true,
        "note": "Requires a Santander current account."
      },
      "sources": [
        {
          "name": "Which? best savings accounts",
          "url": "https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5",
          "checked": "2026-10-26"
        }
      ],
      "confidence": "medium",
      "effective_12m_aer": 8,
      "agent_flags": [
        "existing customers only",
        "shares an FSCS licence"
      ],
      "checked": "2026-10-26"
    },
    {
      "id": "first-direct-regular-saver",
      "provider": "First Direct",
      "product": "Regular Saver Account",
      "category": "regular_saver",
      "wrapper": "none",
      "aer": 7,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 25,
      "max_deposit": null,
      "monthly_max": 300,
      "withdrawals": "none during the 12-month term",
      "interest_paid": "on maturity",
      "open_via": [
        "online",
        "app"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": true,
        "app_only": false,
        "shariah": false,
        "requires_other_product": true
      },
      "fscs": {
        "covered": true,
        "licence": "HSBC UK Bank plc",
        "shared_licence": true,
        "note": "Requires a First Direct 1st Account. Shares the HSBC UK licence."
      },
      "sources": [
        {
          "name": "Which? best savings accounts",
          "url": "https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5",
          "checked": "2026-10-26"
        }
      ],
      "confidence": "high",
      "effective_12m_aer": 7,
      "agent_flags": [
        "existing customers only",
        "shares an FSCS licence"
      ],
      "checked": "2026-10-26"
    },
    {
      "id": "progressive-online-monthly-saver-1",
      "provider": "Progressive Building Society",
      "product": "Online 1 Year Monthly Saver (Issue 1)",
      "category": "regular_saver",
      "wrapper": "none",
      "aer": 7,
      "rate_type": "fixed",
      "bonus": null,
      "term_months": 12,
      "notice_days": null,
      "min_deposit": 1,
      "max_deposit": null,
      "monthly_max": 200,
      "withdrawals": "check terms",
      "interest_paid": "on maturity",
      "open_via": [
        "online"
      ],
      "flags": {
        "new_customers_only": false,
        "existing_customers_only": false,
        "app_only": false,
        "shariah": false,
        "requires_other_product": false
      },
      "fscs": {
        "covered": true,
        "licence": "Progressive Building Society",
        "shared_licence": false,
        "note": "No current-account requirement in our source."
      },
      "sources": [
        {
          "name": "Which? best savings accounts",
          "url": "https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5",
          "checked": "2026-10-26"
        }
      ],
      "confidence": "medium",
      "effective_12m_aer": 7,
      "agent_flags": [],
      "checked": "2026-10-26"
    }
  ]
}