Best High-Interest Savings Apps in the UK

Choosing the best savings app UK savers can rely on comes down to three things: the rate you actually keep after any bonus drops off, whether your cash is protected, and how easily you can get to it. The app-based savings market has become genuinely competitive, with names like Chip, Chase, Trading 212, Moneybox and Marcus regularly trading places at the top of the easy-access tables. The gap between a leading app and a high-street instant-access account can be the difference between a few pounds and a few hundred pounds of interest a year on a decent balance.

This guide compares the apps worth your time in 2026, explains the difference between a real bank and an app that routes your money to a partner bank, and shows you how to read past the headline rate to the number you will still be earning in thirteen months.

What makes a good savings app

A strong savings app does more than pay a competitive rate. Look for four things:

• A rate that holds up. Many apps lead the tables with a bonus rate fixed for the first 12 months, then quietly revert to a lower standard rate. The headline figure sells the account; the reversion rate is what you live with.
• FSCS protection. Money in an FSCS-protected account is covered up to £120,000 per person, per authorised firm, following the increase from £85,000 on 1 December 2025. Confirm which bank actually holds your cash, because several apps are not banks themselves.
• Genuine easy access. Check whether withdrawals are instant or subject to a same-day cut-off, and whether the top rate limits how many withdrawals you can make.
• A Cash ISA option. If you are likely to breach your Personal Savings Allowance, an app that offers a Cash ISA lets you shelter the interest from tax.

The best high-interest savings apps

Chip

Chip has spent 2026 near the top of the app-based savings tables and is the app to look at first if raw interest is your priority. It pairs a competitive easy-access savings account with a Cash ISA, plus behavioural extras like round-ups, savings goals and automatic saves that study your spending. Rates are variable and new-customer boosts often expire after twelve months, so read the rate breakdown rather than the banner figure. See our Chip app review for the full picture.

Chase

Chase, part of JPMorgan, offers a Saver account that has been one of the most competitive easy-access rates on the market. The catch is that the headline rate includes a fixed bonus that drops off 12 months after opening, and to get the boosted rate you need a Chase current account and have to open the saver within a set window. Because Chase is a fully licensed bank, your deposits sit directly with it under FSCS protection. Compare it against a digital bank in our Chase vs Monzo guide.

Trading 212

Best known for commission-free investing, Trading 212 also runs a flexible easy-access Cash ISA that has repeatedly led the ISA tables, usually with a short promotional boost for the first few months before settling to a standard rate. There are no platform fees and withdrawals are free. Your cash is held with partner banks and is FSCS-protected, so check which institution covers your balance if you also hold savings elsewhere.

Moneybox

Moneybox is the app to choose if you want everything under one roof. It is the only provider here offering the full ISA range, Cash ISA, Stocks and Shares ISA, Lifetime ISA and Junior ISA, alongside a straightforward savings account. Its Cash ISA typically carries a strong first-year rate that steps down afterwards, so diarise the drop. Round-ups and savings goals round out the app for hands-off savers.

Marcus by Goldman Sachs

Marcus is the steady, no-gimmicks option. It has consistently offered a fair easy-access rate, often with a small fixed bonus for the first year, and as a bank it holds your deposits directly under FSCS cover. There is no round-up wizardry here, just a clean online-and-app savings account, which suits savers who want simplicity over features.

Plum and Revolut

Plum is built around automation: its “set asides” move small variable amounts into an interest-paying easy-access pocket, and it offers a Cash ISA once you want to shelter interest. Just note the difference between its protected savings pocket and its non-interest e-money balance. Revolut has pushed hard on savings too, offering competitive easy-access rates through its paid tiers, with your cash held at a partner bank. Both are worth a look, though read the FSCS wording carefully for each pot.

Bank or partner bank? Why it matters

This is the detail most guides skip. Chase and Marcus are licensed banks, so your money sits with them directly. Several app-based savers, including Chip, Trading 212 and Plum, are not banks. They hold your cash with one or more partner banks, and it is that partner bank’s FSCS licence that protects your money.

Why does this matter? FSCS protection is £120,000 per person, per authorised firm. If an app routes your savings to a bank where you already hold money, your combined balance shares a single £120,000 limit. Spreading large sums across apps only helps if they use different underlying banks, so check the small print before assuming you have doubled your cover.

Read past the headline rate

Almost every leading app rate in 2026 includes a bonus. A typical structure is a boosted rate fixed for 12 months, then a lower standard variable rate afterwards. Two habits keep you ahead:

1. Note the reversion rate, not just the headline. An account that leads today can slip to mid-table the moment its bonus ends.
2. Set a reminder for the month the bonus expires and move your cash if the standard rate is no longer competitive. Easy-access accounts make this painless.

Because rates move constantly, always confirm the current figure in the app before you commit. Our Cash ISA vs savings calculator helps you see whether an ISA is worth it for your balance and tax position.

Don’t forget tax

Interest from a savings app counts towards your Personal Savings Allowance like any other. Most basic-rate taxpayers can earn up to £1,000 of savings interest tax-free a year, dropping to £500 for higher-rate taxpayers and nil for additional-rate taxpayers. With rates where they are, a modest balance can now generate enough interest to use up a basic-rate allowance, which is exactly when a Cash ISA earns its keep. Our guide on savings app interest and tax walks through the numbers.

Which savings app should you choose?

• Best headline interest on easy-access cash: Chip or Chase, checking the bonus and reversion rates.
• Best flexible Cash ISA: Trading 212 or Moneybox.
• Best all-in-one savings and ISA range: Moneybox.
• Simplest, no-gimmicks bank: Marcus.
• Best for automated, hands-off saving: Plum.

Pick one, check whether your money lands in an FSCS-protected deposit or an e-money balance, and set a reminder for any bonus expiry. For more on where digital money is safe, see are digital banks safe? and our roundup of the best banking apps in the UK.

Frequently asked questions

Which savings app pays the most interest in the UK? The top easy-access spot moves between apps like Chip, Chase, Trading 212 and Revolut, and the leading rate almost always includes a temporary bonus. Because the numbers change constantly, compare the current rate and, crucially, the standard rate you drop to once any bonus ends before choosing.

Is my money safe in a savings app? Money in an FSCS-protected savings account or Cash ISA is covered up to £120,000 per person, per authorised firm. The key check is which bank actually holds your cash, since some apps route it to a partner bank rather than holding it themselves. Confirm the app and its underlying bank on the FCA register.

What happens when a savings app’s bonus rate ends? Most bonuses are fixed for 12 months, after which the account pays a lower standard variable rate. Set a reminder for the expiry date and move your money to a more competitive easy-access account or ISA if the reversion rate is no longer worth it.

Do I pay tax on savings app interest? Interest counts towards your Personal Savings Allowance, which is £1,000 a year for basic-rate taxpayers and £500 for higher-rate taxpayers. Beyond that you pay tax at your marginal rate, which is why a Cash ISA is useful once your interest starts using up the allowance.

Are app savings accounts as good as high-street banks? On rate, app-based savers usually beat the big high-street instant-access accounts by a clear margin. The trade-off is that some are e-money apps rather than banks, so the safety and access details matter more. Check the FSCS position and withdrawal terms rather than assuming they work exactly like a branch account.

Can I spread savings across several apps for more protection? Only if the apps use different underlying banks. FSCS cover is £120,000 per person, per authorised firm, so if two apps hold your money at the same partner bank, your combined balance shares one limit rather than getting two.