Savings offers that let you earn a little extra on top of interest
Some savings account providers will give you a bonus for signing up which can boost your return well above the rate available elsewhere.
But with all these offers, make sure you check you can’t make more money by putting your savings in an account that pays a higher interest rate. You can see the latest best buys in our guide.
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New customer offers
Hargreaves Lansdown: £20 – £750 reward for new savings accounts
New customers to Hargreaves Lansdown’s Active Savings account can get an extra boost between £20 and £750. To get it, you need to sign up for an account by 30 July and deposit at least £10,000. The amount you get depends on your deposit:
| Amount saved | Cashback |
|---|---|
| £10,000 – £19,999 | £20 |
| £20,000 – £49,999 | £40 |
| £50,000 – £74,999 | £100 |
| £75,000 – £149,999 | £150 |
| £150,000 – £249,999 | £300 |
| £250,000+ | £750 |
You need to register to get the cashback with this online form or by sending a secure message while logged into your account.
The best easy access account pays 3.95% — unlike the Raisin offer, below, there’s no requirement to leave the money saved for a period of time. If you save £10,000 for a year in a 3.95% account, you’ll get an extra £20, which is effectively 4.15% over the year (assuming the rate doesn’t change).
I’ve reviewed the Hargreaves Lansdown savings platform to explain how it works and why you might choose to use it.
Raisin: up to £150 welcome bonus
New Raisin customers can get a welcome bonus of up to £150. To get it, you need to register for a Raisin UK account using the code REWARD, open a fixed rate bond with a term of 1 year or longer and deposit a minimum of £25,000 by 8 June 2026.
The bonus depends on how much you deposit, which will impact your effective APR.
| Deposit amount | Bonus |
| £25,000 | £100 |
| £50,000+ | £150 |
The best paying 1 year account on the Raisin website is 4.60% AER results in a total annual return (combined) of 5.00%.
The offer is only for new customers and terms and conditions apply.
Chase: 4.5% savings account for new customers
New Chase customers can get a 4.5% savings account for 12 months, including a boost of 2% for 12 months.
The new 5% rate is open to new customers that sign up for Chase and open the savings account within 31 days. It’s made up of a 2.25% boost and a variable 2.5% rate (this tracks the base rate so will fall if the Bank of England make cuts).
There’s no minimum balance but there’s a maximum of £3m. If you save £10,000, you’ll earn £500 interest in a year.
How does it compare? Right now, the best easy-access account is also 5% with Cahoot, but only for a maximum of £3,000, so this is a good easy-access option if you’ve got more to save.
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Plus, new Quidco customers get a high paying £18 welcome offer
Cahoot: £25 cashback & 5%
Apply for the 5% paying Sunny Day Saver from Cahoot via TopCashback and you can get a £25 bonus.
Seeing as you can only save a maximum of £3,000 for a year on this account, that works out as an extra 0.83% boost. If you save less, then the effective boost is even higher.
Plus if you’ve never used TopCashback before, don’t forget there’s a £20 welcome bonus via our link. You’ll need to spend £10 at a different retailer to trigger this, but that should be easy to do.
Snoop: 4% savings and £5 Amazon Voucher
Snoop is an app to help you track your spending. It also analyses your bank data to suggest ways you can save money. Right now, it’s offering an easy access savings account for 4% and there’s an offer to get a £5 Amazon voucher.
You must go via the link below for the offer to track.
Once you’ve downloaded the app and signed up you need to connect a bank or credit card account and stay connected until the end of the following month. Do this and the voucher will be sent.
Featured switching deal
Customer rating
4/5
- Switch bonus£180
- Offer endsUnknown
- FSCS Protected? Yes
- Switch bonus requirements Switch using the Current Account Switch Service and close your old account within 60 days of starting the switch
- Deposit requirements Deposit £1,500 in the first 60 days from opening the account
- Direct debits transferred over Set up two Direct Debits before or after the switch from a selected list of household bills
- Existing customers? Can't have held any Santander current account on 1 January 2025
- Restrictions Can't have received a switching bonus from Santander already, offer limited to once per person
- Eligible accounts Open a new or hold an existing Everyday, Edge, Edge Up or Edge Explorer current account
Santander: get £10 Amazon voucher and KidsPass membership (ended)
You can currently get a free £10 Amazon voucher and 12-month Kids Pass membership when you open an eligible Santander savings account.
To get it, you need to open a new account via the links below and deposit at least £100 by 31 December, then leave it there until 31 January 2026.
Our pick is the 6% paying Edge Saver, though this does require a Santander Edge current account. However, if you don’t have this yet, you can switch into it to get a £200 switch bonus and another £25 Amazon voucher.
If you just want a simple account to get the bonus and aren’t worried about the rate, the Easy access saver is probably the best bet.
The offer ends 12pm (noon) on Thursday 18 December 2025.
Here are the accounts you can get the voucher with:
| Account | Rate |
| Easy access saver | 2% AER for 12 months |
| Edge Saver | 6% AER on balances up to £4,000 — includes 2.5% bonus rate for the first 12 months from opening |
| Limited access saver | 2.5% AER (max 2 withdrawals). 1% in months where you make three or more withdrawals |
| Fixed term saver | 1 year fix: 3.6% AER until 1 January 2027 2 year fix: 3.55% AER until 1 January 2028 3 year fix: 3.55% AER until 1 January 2029 |
| Fixed term ISA | 1 year fix: 3.8% until 1 January 2027 2 year fix: 3.65% until 1 January 2028 |
| Easy access ISA | 2% AER variable for 12 months |
Santander Edge Saver: up to £20 cashback (expired)
The Santander Edge Saver currently pays 6% on up to £4,000 – but to get it, you need to have a Santander Edge current account.
If you apply for the Santander Edge account via cashback sites Quidco or TopCashback there’s often an extra you can earn on top, normally between £10 and £20 (the amount varies).
If you’re not already a customer of either site then make sure you sign up for a welcome offer first, worth up to £20 – though this can’t be used in conjunction with the Santander offer so you’ll need to make a purchase elsewhere first.
Hargreaves Lansdown: £25 ISA welcome offer (ended)
New and existing customers of Active Savings account via Hargreaves Lansdown can get a £25 bonus by saving £10,000 in an ISA.
You need to open up a new Cash ISA and add £10,000 via debit card (which means transfers won’t count). You also then need to also open an Active Savings Account by 24 October 2025.
Existing HL customers cannot already have a Cash ISA with the provider.
The terms and conditions don’t state you have to keep the money in the ISA for any length of time, though to be safe it makes sense to keep it there until 24 October.
You can open any type of Cash ISA, whether easy access, notice or fixed. Remember before 6 April 2024 you can only pay new money into one Cash ISA in the financial year. But from 6 April you can open up and pay into more than one.
The offer ends 25 April 2024 and you must keep the account open until 25 October 2024, when the bonus will be added to you cash savings account (not the ISA).
The Raisin offer with GB Bank is no longer working. I get a “Deposit opening order limit reached for the product” message when trying to open the GB Bank account via the Raisin app. Sounds like they’re oversubscribed.
To save anyone checking it out in detail, the current Hargeaves Lansdown offer is pretty poor. A £25 bonus on £10,000 equates to only 0.25%. Currently, their best rate is 4.65% for an ISA with Zopa. Since Zopa are themselves currently offering 5.08% it’s difficult to find any benefit in the Hargreaves Lansdown incentive
There isn’t a £25 bonus for opening a Moneybox ISA of either type depositing £500. Or any amount (18/01/2024, Android App).
Hi Andy,
You refer above to the Chip offer ending three weeks ago, but may be extended. Have they extended it?
The 6-month comparisons above are incorrect as they show the interest earned after 1 year and not 6 months.
With all of Chip’s 6-ninth bonuses, Chip @4.51% plus 6-month bonus would beat Cynergy @ 4.8%, but not the best 6-month fix of 5.52%.