Leading rates help personal savers get more from their money
We’ve announced new rates across our fixed-rate savings range, giving personal savers a choice of terms from six months to five years. These accounts pay a guaranteed rate for a fixed period, with a Cash ISA option for savers who want to earn interest tax free.
- 4.28% AER – 6 Month Online Fixed Saver
- 4.95% AER – 5 Year Online ISA Fixed Saver
- 5.05% AER – 5 Year Online Fixed Saver
For savers who are comfortable leaving their money untouched, our fixed-rate accounts provide certainty because the interest rate will not change during the term.
Our 5-Year Online ISA Fixed Saver currently tops the money.co.uk table, offering 4.95% AER tax-free interest for five years. It’s a simple way for savers to lock in a competitive return while making the most of their annual ISA allowance.
For savers who have already used their ISA allowance, our latest range of Fixed Rate Saver products offer another way to secure a guaranteed return. Our 5-Year Online Fixed Saver offers a highly competitive rate at 5.05% AER and with terms ranging from six months to five years there’s an account to match all types of savings goals.
Importantly, customers don’t have to trade competitive rates for convenience. Our online accounts are straightforward to manage and are supported by our UK-based savings team, making it easier to stay in control of savings without unnecessary complexity.
But you don’t just have to take our word for it. At the Moneycomms Top Performers 2026 Awards, we were named Savings Provider of the Year and Best Fixed Rate Savings Provider for the second-year running.
Ian Jackson, Managing Director of Savings at HTB, said:
Savers are looking for confidence and certainty. Our latest accounts provide highly competitive rates, with the opportunity to lock in a guaranteed return and where needed, make the most of tax-free saving through an ISA. Supported by straightforward online account management and our UK-based savings team.
Alongside competitive rates, eligible deposits are protected by the Financial Services Compensation Scheme (FSCS), providing additional peace of mind for customers.
To find out more about our latest savings accounts, visit our personal savings page.
T&Cs apply. AER means annual equivalent rate. Rate correct at the time of posting. ISA tax-free annual allowance applies per person.
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