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Effective URL: https://www.hl.co.uk/investment-services/active-savings?utm_campaign=Copy%20of%20EPAFI_Flash%20Offer%20Ends%20Today_2...
Submission: On March 23 via api from CH — Scanned from DE
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We don’t support this browser anymore. This means our website may not look and work as you would expect. Read more about browsers and how to update them here. Skip to main content * Register * My watchlists * Help * Contact us * * Hargreaves Lansdown Hargreaves Lansdown * Our services * Funds * Shares * News HL Insight Newsroom Newsroom articles are published by leading news agencies. Hargreaves Lansdown is not responsible for an article's content and its accuracy. We may not share the views of the author. * Pensions * Learn * Log in * Search Search website * Menu * Log in * Search Search website * Our services * Funds * Shares * News * Pensions * Learn * Log in * Register * Watchlists * Help * Contact us Search website * Home * Our services * Active Savings In this section Active Savings * Latest savings rates * How it works * Easy access savings * Fixed rate savings * Build a savings portfolio * Default savings product * How much cash should you hold? * Savings calculator * Planning your cash * Latest news and research * FAQs * Open an Active Savings Account * Are my savings safe? * Cash ISA * Savings Insights ACTIVE SAVINGS ACCOUNT SWITCH YOUR MONEY ON Top up your Active Savings Account View latest rates Open an Active Savings Account Log in to your Active Savings Account Important information - Active Savings helps you make your own decisions and is not personal advice. Fixed term products generally only allow access to funds at maturity. Inflation reduces the future spending power of money. CASH SAVINGS, REINVENTED Get more choice and flexibility with your cash savings. Pick and mix savings products from a range of banks and building societies, offering competitive rates, all through one online account. Your money’s held by the banking partners you choose, but you’ll manage everything together in one place, alongside your investments. > Active Savings transformed the way I manage my cash. > > MR FOX, Bedfordshire A REVOLUTIONARY WAY TO SAVE Over 1 million people trust us to help them make the most of their money. Switch your money on with Active Savings with access to competitive rates on your hard earned cash. And wave goodbye to the hassle of constantly switching providers. You can pick and mix savings products from a range of banks and building societies, all through one online account. Once you’re set up there’s no more paperwork or hassle when choosing savings products – no more application forms or proving who you are every time. Just a selection of products with great rates all under one roof. 0.11% 0.30% 0.55% 0.89% THE BEST RATES ON ACTIVE SAVINGS Easy access Up to 0.50% | 0.50% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 4.55x the market average rate of 0.11%. 1 year Up to 1.65% | 1.65% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 5.50x the market average rate of 0.3%. 2 years Up to 1.95% | 1.95% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 3.55x the market average rate of 0.55%. 3 years Up to 1.95% | 1.95% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 2.19x the market average rate of 0.89%. Easy access Up to 0.50% | 0.50% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 4.55x the market average rate of 0.11%. 1 year Up to 1.65% | 1.65% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 5.50x the market average rate of 0.3%. 2 years Up to 1.95% | 1.95% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 3.55x the market average rate of 0.55%. 3 years Up to 1.95% | 1.95% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 2.19x the market average rate of 0.89%. 6 months Up to 0.90% | 0.90% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 9 months Up to Not available (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 18 months Up to 1.75% | 1.75% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 5 years Up to 2.20% | 2.20% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 6 months Up to 0.90% | 0.90% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 9 months Up to Not available (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 18 months Up to 1.75% | 1.75% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) 5 years Up to 2.20% | 2.20% (AER AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. | Gross Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. ) Source: Bank of England 31 January 2022. Comparisons with average market rates for easy access products are based on instant access products, which allow immediate withdrawals. Active Savings offers easy access products and withdrawals usually take one working day. Please note, products can be added or withdrawn at any time. Minimum deposit requirements apply to individual products. Easy access products pay a variable rate and fixed term products pay a fixed rate. With fixed term savings you can't usually withdraw your money until the term has ended. When your money is in a savings product through Active Savings, it’s held by that bank or building society. If they were to fail, the FSCS will protect eligible deposits up to £85,000 per banking licence. Find out more about FSCS protection See all our latest rates Log in to your Active Savings account Open an Active Savings account OUR BANKING PARTNERS See more providers COULD A SAVINGS PORTFOLIO BOOST YOUR RETURNS? Savvy savers are getting better returns on their cash with a portfolio of savings products. And it’s easier than you might think. Explore savings portfolios WHY SAVE WITH ACTIVE SAVINGS * Manage everything together See all your cash savings alongside your investments. * A wide choice in one place Save how you want, now and in the future. * One login, multiple products No endless forms, no constant identity checks, no hassle. * UK-based helpdesk You’ll manage your account online but you can speak to our client support experts if you have any questions. How Active Savings works EASIER TO KEEP YOUR MONEY WORKING HARD You’re in the driving seat. You’ve got a range of great products at your fingertips, and we’ll send you alerts when great products and new banking partners are added. So you stay in control. At the end of a fixed term you’ll get clear information and a list of all the options so you can keep your money working as hard as you do. If you’re not sure what to do you can choose a default easy access product until you are ready to decide where you would like your money to go or leave it here. Your money will continue earning interest and you’ll have access to it when you need it. 3 STEPS TO START SAVING STEP 1 Open an Active Savings account Or log into your HL account if you're already a client. Make sure you read the important information. STEP 2 Start with just £1 Add money with a debit card, or move across any uninvested cash in your Fund and Share account. STEP 3 Choose your products Select from the range of great rates available. Open an Active Savings account Log in to your account HOW IS MY MONEY PROTECTED? When you add money to a savings product, it’s held by that bank or building society. Eligible deposits are protected up to £85,000 per banking licence. Any deposits over £85,000 with the same bank are not likely to be covered. All our partner banks are authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority, and are covered by the Financial Services Compensation Scheme (FSCS). Money in the cash hub is covered under Barclay’s licence. Money with Active Savings which isn’t in a savings product is held in the cash hub. As we are not a bank, it’s either protected through the FCA’s safeguarding rules if we (Hargreaves Lansdown Savings Ltd) were to fail, or the FSCS, if Barclays were to fail. More about how your money is protected WE DON'T CHARGE YOU We don’t charge you directly, instead we charge our banking partners. This means the same or similar products offered directly by the banks and building societies may have different rates to those available on Active Savings. How it works What is the cash hub, and how does it work? Have another question? Read our FAQs or contact our Helpdesk. Saving Insights can help you make the most of your cash, from the basics of savings accounts to savvy savings strategies. Be the first to hear Get alerts about new services, banking partners and rates. Sign up now. NEW CASH ISA You can now open a Cash ISA and manage it alongside other HL accounts. See our Cash ISA TRANSFORM YOUR SAVINGS TODAY You can get started with Active Savings online in minutes. Open an Active Savings account > In times of worry and uncertainty I need to know that all savings and > investments are with a provider I can trust. > > MR NEILL, Lanarkshire > Active Savings has transformed the way I manage my cash. > > MR FOX, Bedfordshire SAVINGS INSIGHTS Savings account basics Read Now -------------------------------------------------------------------------------- What affects savings rates? Read Now -------------------------------------------------------------------------------- See our Savings Insights HELP AND SUPPORT If you have any questions about Active Savings, you can speak to one of our client support experts. Contact us Read our FAQs Email us -------------------------------------------------------------------------------- This website is issued by Hargreaves Lansdown Asset Management Limited (company number 1896481), which is authorised and regulated by the Financial Conduct Authority with firm reference 115248. The Active Savings service is provided by Hargreaves Lansdown Savings Limited (company number 8355960). Hargreaves Lansdown Savings Limited is authorised and regulated by the Financial Conduct Authority (firm reference number 915119). Hargreaves Lansdown Savings Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 with firm reference 901007 for the issuing of electronic money. Hargreaves Lansdown Asset Management Limited and Hargreaves Lansdown Savings Limited are subsidiaries of Hargreaves Lansdown plc (company number 2122142). AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. If you are considering adding money to this savings product, please ensure you have opened an Active Savings Account and given us your instructions before the application deadline. The savings of private individuals held with authorised banks and building societies are covered under FSCS. All of our partner banks are authorised by the Prudential Regulation Authority (PRA) and covered under FSCS. AER (Annual Equivalent Rate) shows what the interest rate/expected profit rate would be if it was paid and compounded once each year. It helps you compare the rates on different savings products. Once you have opened a fixed term product the rate won't change, but rates on easy access products can vary. Gross means the rate without any tax removed. Interest/profits are paid gross. You are responsible for paying any tax due on interest/profits that exceed your Personal Savings Allowance to HM Revenue & Customs. Tax treatment can change. Bank of London and The Middle East plc operates under Islamic Finance principles and do not offer interest on their products, instead they pay an expected profit rate. Find out more about Sharia banking. 0.50% | 0.50% 1.65% | 1.65% 0.11% 0.30% Our website offers information about investing and saving, but not personal advice. If you're not sure which investments are right for you, please request advice, for example from our financial advisers. If you decide to invest, read our important investment notes first and remember that investments can go up and down in value, so you could get back less than you put in. 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Registered Office: 1 College Square South, Anchor Road, Bristol, BS1 5HL. Got a question for us? We're here to help. Use our contact us page to find our telephone numbers and email forms. Hargreaves Lansdown Follow us on Facebook Twitter Linkedin THIS WEBSITE USES COOKIES We use cookies to give you the best experience on our website. By using our site, you accept the use of our cookies. Cookie Settings Accept All COOKIE SETTINGS To make sure you get the most from our website, we use cookies. Accept All ESSENTIAL COOKIES These allow our website to work properly and gives us anonymous information about how the website is used. -------------------------------------------------------------------------------- Functional cookies The website will remember you (for example, for faster login) and help us understand how you use the site. -------------------------------------------------------------------------------- Marketing cookies You'll see tailored adverts. 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