Welcome to Financielle Money Deals – a monthly guide to the best deals in the UK so you can make the most of your money. We keep this guide updated monthly, so click the save button so it’s easy for you to find.

All information correct as at 29 April 2025

During March, the Bank of England held the base rate at 4.50% The next meeting is set for Thursday 8 May 2025.

💳 First Direct –  £175 Bonus

• Open a 1st Account & switch with 2 direct debits/standing orders
• Pay in £1,000 (must stay for 24 hours)
• Use the debit card 5 times + log into the app
• Must be new to First Direct & HSBC (since 2018)
• Bonus paid by the 20th of the following month
  Click here for more info

💳 NatWest –  £150 Bonus

• Open/switch to a Reward Current Account
• Pay in £1,250 (must stay for 24 hours)
• Log into the app
• Bonus paid within 30 days
• Click here for more info

💰 Barclays Rainy Day Saver – 4.87% interest (up to £5,000) → Drops to 4.61% on 6 May 2025. Requires Barclays Blue Rewards (£5 monthly fee). Click here for more info.

💳 Santander Edge Saver – 6% interest (up to £4,000 for 12 months, you must have a Santander Edge Current Account) + 1% cashback on bills, groceries & travel (£3 monthly fee). Click here for more info.

💳 Santander Edge Up –  3.50% interest (up to £25,000) → Drops to 2.50% on 28 April 2025. + 1% cashback on bills, groceries & travel (£5 monthly fee). Click here for more info.

💸 Santander Regular Saver – 5% fixed for 12 months. Save up to £200/month, earn £65.01 interest in a year. Click here for more info.

*The Trading 212 Cash ISA  is a firm favourite amongst the Financielle team and community

 

 

 

When investing your capital is at risk

💳 Nationwide FlexDirect

Flex Regular Saver: 6.50% (up to £200/month)

1 Year Fixed Rate Cash ISA: 4.00%

1 Year Fixed Rate Online Bond: 4.00%

✨ If you have a Nationwide current account, mortgage or savings account (£100+), you might receive a £100 Fairer Share payment (as in 2023 & 2024).

👉 Go to Nationwide

 

💳 Lloyds

Switching bonus is gone, but these classic accounts still offer great interest rates:

Club Lloyds Monthly Saver 6.25%

• Save £25 – £400/month
• Withdrawals allowed, £400/month (no withdrawals) gives £150 interest in a year

Monthly Saver 5.25% interest (fixed for 12 months)

• Save £25 – £250/month, £250/month gives £78.75 interest in a year

💡 Fee Alert: Club Lloyds account fee rises from £3 to £5 (June 2025), waived if you deposit £2,000/month

👉 Go to Lloyds

 

💳 HSBC

• Fixed Rate Cash ISA: 4.10% (up to 13 months, for current account holders)
• Fixed Rate Savings: 4.10% (1 year, no instant access)
• Fixed Rate Savings: 3.90% (2 years, no instant access)

Online Bonus Saver

• Up to £50,000: 4.00% interest
• Over £50,000: 1.50%

👉 Go to HSBC

💳 TSB

• Cash ISA: 4.05% (18 months)
• Instant Access: Up to 6.00% (12 months)
• Fixed Rate Bond: 4.15% (12 months)

👉 Go to TSB

 

💳 Co-op Bank

• 1 Year Fixed Rate Cash ISA: 3.93% (min. £5,000 deposit)
• 2 Year Fixed Rate Cash ISA: 3.75% (min. £5,000 deposit)
• 1 Year Fixed Term Deposit: 3.84% (annual interest) or 3.87% (monthly interest)

👉 Go to Co-op

 

💳 Virgin Money

M Plus Current Account: 1.00% interest (up to £1,000)

• Linked Savings: 2.25% (up to £25,000)
• Defined Access E-Saver: 4.06%
• 1 Year Fixed Rate Cash E-ISA: 4.10% (fixed until April 2026)

👉 Go to Virgin Money

 

💳 Kroo

Current Account Interest Rate: 3.40% (paid monthly)

• No monthly fees
• Interest tracks 1.10% below BoE base rate (currently 4.50%)

👉 Go to Kroo

 

💳 Halifax

Reward Current Account

• Choose between £5 cash/month, a cinema ticket, digital movies or magazines
• Fee: £3/month (waived if you deposit £1,500/month)

Regular Saver 5.50% interest (12 months)

• Save £25 – £250/month, £250/month earns £82.50 interest

👉 Go to Halifax 

 

💳 Chase Bank

Round-Up Account: Linked 5% interest

• 1% Cashback (changed April 2025: only on supermarkets, fuel & transport)

Chase Saver: Now 1.50% below BoE base rate (currently 3.00%)

💳 Bank of Scotland

• Monthly Saver: 5.50% interest
• 1 Year Fixed Cash ISA: 4.00%
• 2 Year Fixed Cash ISA: 3.85%
• Advantage ISA Saver: 3.50%

👉 Go to Bank of Scotland

 

💳 Moneybox

• Stocks & Shares ISA: 3.25% interest (paid monthly)
• Cash ISA: 5.71% (including a 1.51% bonus for 3 months)
• 95 Day Notice Account: 4.55% (monthly interest)

👉 Go to Moneybox 

 

💳 Starling

• Easy Saver (NEW!): 4.00% interest

👉 Go to Starling

 

💳 Raisin

Not a current account, but offers competitive savings rates:

Fixed Rate Bonds (Deposit: £5,000)

• Ziraat Bank: 4.50% (1 year)
• Al Rayan Bank: 4.47% (9 months)

Easy Access (Deposit: £5,000)

• Monument Bank: 4.32%
• LHV: 4.28%

👉 Go to Raisin

 

💳 NS&I

• Premium Bonds Prize Rate: 3.80% (from April 2025)
• Direct Saver: 3.30% (from March 2025)
• Green Savings Bond (3 Years): 2.95%

👉 Go to NS&I 

 

💳 Monzo

• Instant Access: 3.50%
• Instant Access Cash ISA: 3.50%

👉 Go to Monzo

 

💳 Chip

• Easy Access Saver: 3.56% (only 3 free withdrawals)
• Instant Access: 3.50%
• Cash ISA: 4.32%

💡 Some charges apply, so check their terms ⬇️

👉 Go to Chip

 

 💳 Tandem 💰💰

• Instant Access: 4.15% (includes 0.25% bonus for 12 months)
• Fixed Rate Accounts Available

👉 Go to Tandem

Scottish Friendly 💰

• Award winning ‘Best Junior ISA provider’
• Invest from £20 a month
• Pay in £50 lump sum

Go to Scottish Friendly Junior ISA

 

Starling Kite (for 6 to 15 year olds)

• Instant phone notifications when your child spends
• Smart money tools
• Kids version of the App

Go to Starling Kite

 

Go Henry 💰

• Smart features that let kids learn every day
• Gamified money lessons
• Smart parental controls
• Learn to earn (set up tasks app, children can earn extra pocket money)

GoHenry

 

Rooster 💰

• Get £5 free with promo code: ROOSTERS
• Flexible parental controls

Rooster Money
TSB – Junior ISA

• Earn up to 3.55% tax free
• Open with just £1
• Save up to £9,000 each year

TSB Bank – Junior ISA

 

TSB – Young Saver (under 16)

• Earn up to 3.15% AER
• Instant access
• Maintain control of the account until the child turns 16

TSB Bank – Children’s Savings Accounts

 

Financielle Money Deals 💸

May 2025 🤑

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