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
- Sometimes you can boost the rate on your savings using a platform
- You can manage your savings cash under one roof and grab a bonus
By This Is Money
Published: 08:38 BST, 7 December 2021 | Updated: 11:47 BST, 7 September 2022
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Products featured in this article are independently selected by This is Money’s specialist journalists. If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence.
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 currently offering a £30 welcome bonus to This is Money readers, but they must open a new Raisin Account via this link* or any link originating from our website.
It offers savers the chance to boost their savings by £30 when they open and fund an account on its marketplace with a minimum of £10,000.
It is also offering a £25 refer a friend bonus, which means you’ll also receive £25 for every friend you refer who funds a savings account with £5,000 or more.
If you successfully refer to friends who go on to fund their Raisin account with £5,000, that could mean securing yourself £50.
Each of your friends will also receive £25 when they fund a savings account with a minimum duration of 6 months with £5,000 or more.
Rivals to Raisin include Hargreaves Lansdown, Flagstone, AJ Bell’s Cash Savings Hub*, and Aviva Save.
You can find out the best rates available on Raisin via our savings platform table* and see how you can boost your deposit with the bonus to potentially leapfrog the best rates on the market.
Below we round up the top rates with Raisin and reveal whether they beat the best buys in our independent This is Money savings tables.
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
Platforms featured below are independently selected by This is Money’s specialist journalists. If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence.
DIY INVESTING PLATFORMS AND STOCKS & SHARES 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 | £1.50 per deal | More details |
| Bestinvest* | 0.40% | Account fee cut to 0.2% for ready made investments | Free | £4.95 | 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: ThisisMoney.co.uk June 2022. Admin charges quoted annually, may be monthly or quarterly)
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