Savings

Plum – Plum Cash ISA

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Plum has increased selected rates on its Plum Cash ISA this week. On its £100 tier, it now pays 4.95% AER which boosts its position in the top tables when compared against its peers. It is important to note this rate includes a 1.66% AER bonus rate for 12 months. This may be an enticing option for savers looking to boost their income as interest is paid monthly. The account can be opened with as little as £1 but savers will not receive the market-leading rate at this investment level. Savers should be comfortable with not having unlimited penalty-free access to their cash as four or more withdrawals will result in the rate dropping significantly to 3.29% AER. Overall, this deal earns an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 3.25% gross / 3.29% AER paid from £1, 4.89% gross / 4.95% AER paid from £100, payable monthly (including a 1.64% gross / 1.66% AER bonus for 12 months on the £100 tier only, payable on first anniversary from account opening)
• Notice / term: None
• Minimum opening amount: £1
• Maximum investment amount: ISA allowance
• Access: Permitted, 3.25% gross / 3.29% AER paid if more than three withdrawals are made per year. Minimum withdrawal £1
• Further additions: Permitted, minimum addition £1
• Transfers in: Permitted, accepts Cash ISAs, Stocks & Shares ISAs, Help to Buy ISAs, Lifetime ISAs, Innovative Finance ISAs and Stocks & Shares LISAs. Bonus rate not applicable if opened via transferring an existing ISA
• Transfers out: Permitted
• Opening account: Via its mobile app
• Managing account: Via its mobile app
• Other information: Minimum applicant age 18. Operated by Citibank UK Limited. Bonus rate only applicable if a minimum account balance of £100 is maintained and not opened via transferring in an existing ISA. Investors can choose to split their Cash ISA savings across multiple ISAs within Plum’s range.

GB Bank – 120 Day Notice Account

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“This week GB Bank has launched a new 120 Day Notice Account. The deal grabs the market-leading position for its sector, paying an attractive 4.68% AER on its anniversary. There is also a monthly interest option available. Savers will need to invest at least £1,000 to receive the headline rate. Although withdrawals are permitted, as is the case with many notice accounts, consumers need to give the full 120 days’ notice to access their cash but, in more positive news, further additions are permitted at any time. On assessment, this account earns an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 4.68% gross / 4.68% AER payable on anniversary, monthly interest option of 4.58% gross / 4.68% AER
• Notice / term: 120 days
• Minimum opening amount: £1,000
• Maximum investment amount: £100,000
• Access: Permitted, subject to 120 days’ notice
• Further additions: Permitted
• Opening account: Online
• Managing account: Online and via its mobile app
• Other information: Minimum applicant age 18.

Family Building Society – Online Saver (10)

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Family Building Society has launched a new Online Saver this week. Savers searching for a competitive rate on a flexible savings account may find the 4.55% AER rate enticing. Withdrawals are permitted, but savers must take out at least £100. Further additions are permitted at any time. The deal secures a prominent position in our top tables and earns an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 4.55% gross / 4.55% AER payable yearly
• Notice / term: None
• Minimum opening amount: £100
• Maximum investment amount: £250,000
• Access: Permitted, minimum withdrawal £100
• Further additions: Permitted
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 16. Joint account option available.

Birmingham Bank – 2 Year Fixed Rate Bond - Issue 18

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“This week Birmingham Bank changed the issue number and increased the rate on its 2 Year Fixed Rate Bond. Now paying 4.40% AER, the account continues to place competitively when compared against other fixed bonds with similar terms. Savers must have at least £5,000 and, as is the case with many fixed bonds, earlier access is not permitted so they must plan accordingly. However, further additions are allowed for 14 days via a nominated account which may be a bonus for some. On assessment, the account receives an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 4.40% gross / 4.40% AER payable on anniversary
• Notice / term: Two years
• Minimum opening amount: £5,000
• Maximum investment amount: £250,000
• Access: Not permitted
• Further additions: Permitted for 14 days from account opening via nominated account
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 18.

Virgin Money – 1 Year Fixed Rate Cash E-ISA Issue 668

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Alongside moving the end date and changing the issue number on its 1 Year Fixed Rate Cash E-ISA, Virgin Money has also increased the rate. Now paying 4.27% AER yearly, it takes the market-leading position when compared against its peers. The account can be opened with as little as £1 and savers looking for an income boost may also be pleased to see that a monthly interest option is available. Savers looking to maximise their tax-free savings may find this an enticing deal, but they should be aware that although earlier access is permitted, they will be hit by a 60-day loss of interest penalty. However, further additions can be made into the account for 30 days from opening. Overall, this deal earns an Excellent Moneyfacts product rating.”

Key product details:

• Rate: 4.27% gross / 4.27% AER payable yearly / monthly interest option of 4.19% gross / 4.27% AER also available
• Notice / term: To 24.06.26
• Minimum opening amount: £1
• Maximum investment amount: ISA allowance
• Access: Permitted, subject to a 60-day loss of interest penalty
• Further additions: Permitted for 30 days from account opening
• Transfers in: Permitted. Accepts Cash and Stocks and Shares ISAs
• Transfers out: Permitted, subject to a 60-day loss of interest penalty
• Opening account: Online
• Managing account: Online
• Other information: Minimum applicant age 18.

Mortgages

first direct – Two-year fixed rate mortgage, 60% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“first direct has reduced its entire range of fixed rate offerings by up to 0.44% this week. The two-year deal at 60% loan-to-value has seen a smaller, but still generous, 0.25% cut and is now priced at 3.89%. The deal may appeal to those looking for a low headline rate but also an attractive incentive package which includes a free valuation. There is also a smaller than average £490 product fee. Overall, this product earns an Outstanding Moneyfacts product rating.”

 Key product details:

• Rate: 3.89% fixed rate for two years
• Product fee: £490
• Maximum loan-to-value: 60%
• Available to: House purchase customers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

Santander – Five-year fixed rate mortgage, 75% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“Santander has made several changes to its residential mortgage range including fixed rate reductions. The five-year remortgage deal has seen a 0.09% cut and now sits below the 4% mark at 3.98% until 2 September 2030. The deal is available to remortgage customers, it comes with a standard £999 product fee and an appealing incentive package which includes a free valuation and £250 cashback upon completion or free legal fees. The combination of these features earns this product an Outstanding Moneyfacts product rating.”

 Key product details:

• Rate: 3.98% fixed rate to 2.9.30
• Product fee: £999
• Maximum loan-to-value: 75%
• Available to: Remortgage customers
• Incentives: Free valuation and £250 cashback or free legal fees
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

HSBC – Five-year fixed rate mortgage, 95% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“HSBC has reduced selected fixed rates for borrowers by up to 0.21% this week. The five-year deal at 95% loan-to-value has seen a smaller 0.13% cut and is now priced at a competitive 4.81% until 31 August 2030. Borrowers looking for an attractive deal and low upfront costs may find this deal enticing as it continues to be fee-free and offers a generous incentive package which includes a free valuation and £500 cashback. Overall, this product earns an Outstanding Moneyfacts product rating.”

Key product details:

• Rate: 4.81% fixed rate to 31.8.30
• Product fee: None
• Maximum loan-to-value: 95%
• Available to: House purchase customers
• Incentives: Free valuation and £500 cashback
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

Buy-to-let

HSBC – Two-year fixed rate mortgage, 60% loan-to-value

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“HSBC has reduced most of its fixed rates for landlords by up to 0.25% this week. The two-year deal at 60% loan-to-value has seen a smaller 0.20% cut and is now priced at a competitive 4.29% until 31 August 2027. Alongside having no payable product fee, this deal also comes with a free valuation incentive. This cut is enough to see it take a position at the top of its sector and overall, this product earns an Outstanding Moneyfacts product rating.”

Key product details:

• Rate: 4.29% fixed rate to 31.8.27
• Product fee: None
• Maximum loan-to-value: 60%
• Available to: Second-time buyers
• Incentives: Free valuation
• Flexible features: Allows overpayments
• Lending area: Great Britain and Northern Ireland.

Banking

TSB – Spend & Save

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“For customers looking to switch their current account provider, TSB has introduced a new switching incentive this week for those who switch to either the Spend & Save or Spend & Save Plus account. Customers who switch using the CASS (Current Account Switch Service) will now receive £100 cashback following certain conditions. Customers can also earn up to £15 per month in cashback when making 20 or more debit card transactions. Adding to the account’s appeal, the Spend & Save has no monthly account fee, and customers can also benefit from exclusive offers through the TSB Marketplace. However, it is important to note that there is no credit interest offered on balances, which some may wish to consider. As is the case when switching to any account, customers will need to assess all the benefits and charges to ensure it’s the right choice for them. Overall, the account earns an Outstanding Moneyfacts product rating.”

Key product details:

• Credit interest / reward: None
• Cashback on debit card purchases: Customers can earn up to £15 per month cashback in the first six months when making 20 or more debit card payments each month
• Account fee: None
• Arranged overdraft: 39.90% EAR, plus interest-free for three months on switched current accounts
• Opening account: Online, in branch or via mobile app
• Managing account: Online, in branch, by phone, via mobile app or at the Post Office
• Other information: Minimum applicant age 18. Eligible for linked Savings Pots. £100 free cash offer, using the Current Account Switch Service, customers must have logged into the TSB Mobile Banking App and made at least five debit card payments by 19 July 2025.

Cards

Tesco Bank – Clubcard Credit Card Balance Transfer and Purchases Mastercard

Commenting on the deal, Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, said:

“The latest update from Tesco Bank sees it launch its new Balance Transfer and Purchases credit card. This card offers borrowers 18 months 0% on both their balance transfers and purchases, which makes it an enticing option for those looking to spread out the cost of purchases and transfer existing balances. Compared to other cards on the market, this also offers a lower than usual 2.75% balance transfer fee during the first three months, but borrowers should be aware that it rises to 3.99% after that point. Applicants can also earn Clubcard points when they spend. Overall, the card earns an Excellent Moneyfacts product rating.”

Key product details:

• Introductory rate for purchases: 0% for 18 months
• Introductory rate for balance transfers: 0% for 18 months
• Standard rate for purchases: 24.9% APR
• Balance transfer fee: 2.75% as an introductory charge during the first three months from account opening, rising to 3.99% (no min) thereafter
• Card fee: None
• Opening method: Online and by phone
• Card management: Online, by phone, by post and via its mobile app
• Other information: Minimum age 18. Minimum income £5,000. Rates dependent on credit rating. 1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and an enhanced rate of 1 point for every litre of fuel bought at Tesco petrol filling stations. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards. 1 point = 1p (min 250pts)