Savings Platforms

There are now a number of options for cash-rich but time-poor savers who want to earn more interest on their savings than their high street bank will offer, but without the hassle.

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Find the best Cash Savings Platforms

Cash Savings Platforms are challenging the traditional savings market by offering a simpler way to save. With just one login, you can move money between accounts from those available, without having to fill in reams of paperwork every time. And for larger balances, they help make it easier to keep your money protected by the Financial Services Compensation Scheme (FSCS) limits.

Here we tell you more about the providers available, what they offer and which Cash Savings Platform might be best for you.

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Savings Champion Savers Hub

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Our new Savers Hub cash platform offers a large selection of competitive savings accounts all in one place. 

Powered by Insignis Cash, you’ll find a variety of savings accounts from easy access, notice accounts and fixed term bonds to cover a complete cash solution for time-poor savers.

Learn more about the Savers Hub.

Products currently available on the Savers Hub

Availability: Individuals only
Platform minimum: £50,000 | Partner Banks: 45

1.40% AER | Gatehouse Bank | 5 years Fixed Term Deposit

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There is an explicit fee charged to use this platform

Compare Cash Savings Platforms

We’ve looked at a handful of the most popular Cash Savings Platforms on the market - but with more coming to the market, we’ll continue to research and review all of the providers available.

Flagstone

Currently has the highest number of partner banks

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The Flagstone cash platform is the pick and mix variety - offering a range of savings accounts, which you can pick and choose from. 

The minimum deposit is currently £10,000 for Individuals / £250,000 for Businesses and Charities. 

Learn more about Flagstone. 

Products currently available on the Flagstone platform

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Availability: Businesses, Charities & Individuals
Platform minimum: £10,000 for Individuals / £250,000 for Businesses & Charities
Partner banks: 58
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4.95% AER | Monument Bank | Easy Access

1.70% AER | 24 month Fixed Term Deposit

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4.73AER | iFast Global Bank Limited | 24 month Fixed Term Deposit

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1.75AER | 36 month Fixed Term Deposit

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1.90% AER | 60 month Fixed Term Deposit

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There is an explicit fee charged to use this platform.

4.92AER | SmartSave | 12 month Fixed Term Deposit

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Octopus Cash

Splits your cash for you

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Rather than offering a range of individual accounts from different banks to pick and choose from, Octopus Cash automatically splits your cash (if the deposit is greater than £85,000) between its partner providers.

 The return depends on which account types you choose, using the highest paying accounts first. 

Learn more about Octopus Cash.

Products currently available with Octopus Cash

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Availability: Businesses, charities & individuals
Platform minimum: £1,000 | Partner banks: 11

0.88% AER | 12 month Fixed Term Bond

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0.60% AER | 95 day Notice Account

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Rates are based on £200,000 invested in each account type. All rates are calculated based on the amount invested. 

Your free guide to 
Savings Platforms

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Choose the right Savings Platform for you

There are now a number of ways for cash-rich but time-poor savers to earn more interest on their savings than their high street bank will offer, but without the hassle. The evolution of Cash Savings Platforms is exciting and hopefully as they continue to develop, this will reduce the inertia that savers suffer from, as they make it easier for people to switch.

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Active Savings by HL

Regularly offers best buy rates

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Hargreaves Lansdown has one of the UK's largest investment platforms for private investors, so are no stranger to platforms - although Active Savings is their first cash-only platform. 

Active Savings offers a range of products, mostly fixed term bonds, but it also offers some easy access accounts. These products are available from a limited, but growing, list of providers. They often have best buy rates to choose from, so are well worth considering.

Learn more about Active Savings.

Products currently available with Active Savings

More Details

Availability: Individuals only
Platform minimum: £1,000 | Partner banks: 20

4.72% AER | OakNorth Bank | Easy Access

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5.156% AER Allica Bank | 1 Year Fixed Term Deposit

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0.95% AER | Close Brothers Savings | 18 Month Fixed Rate Bond

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4.60% AER | Zopa | 2 Year Fixed Term Deposit

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0.90% AER | Aldermore | 3 Year Fixed Rate Bond

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Your free, expert guide to Cash Savings Platforms

In our guide, we have reviewed the most popular Cash Savings Platforms in more detail and highlighted who these individual platforms might be more suitable for.

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DCMe (Dynamic Cash Management express)

A platform built around regular reviews of your savings

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Dynamic Cash Management express (DCMe) service produces an initial portfolio of the best accounts from the selection available, to suit your needs, along with producing a regular review to suggest better accounts if they are available. 

Think of it like a supermarket which offers a variety of savings accounts to choose from, but with a personal shopper to guide you to the products which match your needs.

Learn more about DCMe.

Products currently available with DCMe

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Availability: Individuals only
Platform minimum: £50,000 | Partner banks: 7

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0.67% AER | 24 month Fixed Term

0.67% AER | 12 month Fixed Term

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0.55% AER | 6 month Fixed Term

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There is an explicit fee charged to use this platform.

Akoni

A platform for various types of saver and organisaitons

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Easily manage your cash via Akoni's award-winning platform. With access to interest-bearing accounts from an array of highly-rated banks, you can earn more interest and reduce risk without the hassle of multiple accounts. Put your savings to work today.

Learn more about Akoni.


Top savings products

Availability: Individuals, Businesses, Charities & Non-Profits, Financial Advisors 
Platform minimum: £1,000 but best value on £100,000 plus | Partner Banks: 19

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4.80% AER | SBI UK Term Deposit - 2 Year

4.45% AER | Santander International Notice Account - 95 days

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4.15% AER | Santander International Easy Access

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There is an explicit fee charged to use this platform

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4.30% AER | BLME Term Deposit - 3 Year

Last updated: 7 February 2024

Raisin UK

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 At the moment, Raisin UK has partnerships with a number of banks and building societies, offering fixed term deposit, easy access and notice accounts. They will continue to increase the number of products and providers available. 

 An additional benefit with Raisin, apart from some competitive rates, is the bonus available for new savers. This can provide a boost to the rates available. 

Learn more about Raisin UK.


Top savings products

Availability: Individuals only
Platform minimum: £1,000 | Account maximum: £85,000 | Partner Banks: 36

Details

4.72% AER | Hoist Savings Easy Access

4.60% AER | Furness Building Society | 2 Years Fixed Term Deposit 

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5.05% AER | Investec | 1 Year Fixed Term Deposit

4.51% AER | UBL | 3 Years Fixed Term Deposit

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1.40% AER | Gatehouse Bank | 5 years Fixed Term Deposit

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