Best savings rates: Top deals from savings platforms


Best savings rates: Savings platforms to manage your money in one place – with easy-access, fixed-rates and notice accounts and bonus boosters

  • We reveal the top deals from savings platform Raisin and Aviva Save
  • Could you boost the rate on your savings using a platform? 
  • You can manage your savings cash under one roof and grab a bonus 

A new wave of savings platforms have emerged in recent years which help savers keep track of their accounts more easily and move money into better rates after signing up.

They might not always offer the best rates on the market, but allow you to manage multiple accounts in one place. 

Sometimes, they have sign-up bonuses that can help boost rates to make them better than what is on offer elsewhere and also offer Financial Services Compensation Scheme protection. 

The savings platform, Raisin is one such provider and is currently offering a welcome bonus giving savers the chance to boost their savings by £50 when they open and fund an account on its marketplace with a minimum of £10,000. 

Rivals to Raisin include Hargreaves Lansdown Active Savings, Flagstone, AJ Bell’s Cash Savings Hub, and Aviva Save.

Below we round up the top rates with boosters and reveal whether they beat the best buys in our independent This is Money savings tables if you open with £10,000.

Deal Rate Rate with boost and £10k Does it beat the best buy?
Investec 32 Day 0.8% 1.3% Yes

One other savings platform also offering a special offer – albeit within a limited timeframe and with limited spaces is Aviva Save – which is powered by Raisin.

If you are among the first 1,000 savers to open and deposit £10,000 or more into one fixed term account on the platform by 14 December then Aviva will pay you £75.

Aviva said there are roughly 500 savers who can still bag the £75 welcome bonus, but we would recommend double checking that the offer quota has not been filled before applying. 

Below we take a look at the top rates offered by Aviva Save and reveal whether they beat the best buys in our independent This is Money savings tables if you open with £10,000.

All savings tables

Easy-access | Fixed rates | Cash Isas | Monthly income | Phone/Postal | Junior Isas/children’s | Offshore | National Savings | Premium Bonds

Compare the best DIY investing platforms and stocks & shares Isa

Investing online is simple, cheap and can be done from your computer, tablet or phone at a time and place that suits you.

When it comes to choosing a DIY investing platform, stocks & shares Isa or a general investing account, the range of options might seem overwhelming. 

Every provider has a slightly different offering, charging more or less for trading or holding shares and giving access to a different range of stocks, funds and investment trusts. 

When weighing up the right one for you, it’s important to to look at the service that it offers, along with administration charges and dealing fees, plus any other extra costs.

To help you compare investment accounts, we’ve crunched the facts and pulled together a comprehensive guide to choosing the best and cheapest investing account for you. 

We highlight the main players in the table below but would advise doing your own research and considering the points in our full guide linked here.

>> This is Money’s full guide to the best investing platforms and Isas 

Admin charge Charges notes Fund dealing Standard share, trust, ETF dealing Regular investing Dividend reinvestment
AJ Bell YouInvest 0.25%  Max £3.50 per month for shares, trusts, ETFs.  £1.50 £9.95 £1.50 1% (Min £1.50, max £9.95)  More details
Bestinvest 0.40% Free £7.50 n/a n/a More details
Charles Stanley Direct 0.35%  No platform fee on shares if a trade in that month and annual max of £240 Free £11.50 n/a n/a More details
Fidelity 0.35% on funds £45 fee up to £7,500. Max £45 per year for shares,  trusts,  ETFs Free £10 Free funds £1.50 shares, trusts ETFs £1.50 More details
Hargreaves Lansdown 0.45% Capped at £45 for shares, trusts, ETFs Free £11.95 £1.50 1% (£1 min, £10 max) More details
Interactive Investor  £119.88 as £9.99 per month £7.99 per month back in trading credit £7.99 £7.99 Free £0.99 More details
iWeb £100 one-off £5 £5 n/a 2%, max £5 More details
Freetrade Free for standard account £3 month for Isa  Freetrade Plus with more investments is £9.99/month inc. Isa fee No funds  Free  n/a  n/a  More details 
Vanguard  0.15%   
Only Vanguard funds
Free  Free only Vanguard ETFs  Free  n/a  More details 
(Source: July 2021. Admin charges quoted annually, may be monthly or quarterly)




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