Cash savings hub

Get your money making money with our range of cash savings accounts offering fantastic interest rates.

Open a Cash savings hubView our best rates
FSCS Protected

Fantastic rates, free accounts

Supercharge your savings with our range of competitive accounts, available to AJ Bell customers only through our Cash savings hub.  

Setting up a Cash savings hub is simple and sits alongside your investment accounts – letting you check on your savings and investments in the same place.

  • FSCS protected up to £120,000
    Your savings are covered by the Financial Services Compensation Scheme (FSCS) up to £120,000 per bank, with all our partner banks authorised by the Prudential Regulation Authority.

     

  • Competitive rates
    We have some of the best interest rates around, regularly beating those you’ll find elsewhere.

  • Free to open and use
    We’re paid by partner banks, never by you.

     

  • Everything under one roof
    Keep track of all your savings and investments with your AJ Bell account. No additional logins.

Open a Cash savings hub

View our best rates

The best rates in our Cash savings hub

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 The types of Cash savings accounts available

Your savings will be held in a fixed term or notice account and will be available to you dependent on the agreed term or notice period of the account. Remember that inflation may mean your savings won’t go as far in the future.

Fixed term

Your money is ‘locked’ for the duration of the term, so you won’t be able to withdraw it until then. Fixed terms are typically between 3 months and 5 years.

Notice account

You can keep your money in this account for as long as you want, but you’ll need to give ‘notice’ when you want to withdraw it.

How to set up a savings account

Once you’ve opened a Cash savings hub, you’ll get access to the best savings accounts we offer.

Add money

Our secure system will keep your cash safe, ready for you to move to a savings account

Choose a savings account

Decide on a fixed term or notice account and the rate that suits you

See all rates
 

Payments must be made into the Cash savings hub from your nominated bank account with us, and we’ll hold the money in your own personal transaction account.

When you open a savings account, it’ll be automatically funded from this transaction account. Once your term is up, the funds are returned to the same account. 
 

If you’ve opened multiple savings accounts, keep in mind they’ll be funded in the order you’ve opened them, so it’s important that you cancel any unwanted accounts. You can view and cancel any unfunded savings account applications by viewing ‘Pending savings accounts’ within the Cash savings hub.

AJ Bell expert tips on Cash savings accounts

Understanding how to manage a Cash savings account is important for anyone interested in saving.

Laura Suter


Laura Suter 
Director of Personal Finance

  • You can pick from notice accounts or fixed rate accounts with different terms, depending on how long you want your money tied up.
  • Having all your savings accounts in one place can be less hassle and save admin time.
  • You can start from £1,000 of cash savings – but some accounts will have a higher minimum.
  • You’re protected up to £120,000 by the Financial Services Compensation Scheme (FSCS) for each bank you hold an account with.
  • Cash is good for money you need in the short-term or money you don’t want to take any risk with, but otherwise investing might be a better option.
  • As with any cash savings account outside of a tax-free wrapper, you won’t be taxed on your first £1,000 of interest as a standard-rate taxpayer (£500 if you’re a higher-rate taxpayer).

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AJ Bell's most popular Cash savings questions

Having the right information is important when making investment decisions. Here are the most frequently asked questions we get about our Cash savings hub. 

Need more help?

Our customer support team are here to help when you need it. Here’s how to get in touch.
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We're here to help you invest

We’ve been helping our customers put their money to work for over 30 years. And with over 673,000 customers, that’s a lot of people taking control of their financial futures. 

We’re not just one of the UK’s largest and best regarded investment platforms, we’re listed on the FTSE 250, we’re regulated by the Financial Conduct Authority (FCA), oh, and we’re a Which? Recommended provider seven years running, 2019-2025. 

So, when you're ready to feel good, investing, we're here to help.
Which 7 years running