Better savings rates: savings platforms to manage your money in one place – with easy-to-access fixed rate and notice accounts and bonus boosters
- We reveal the best offers from the Raisin savings platform
- Sometimes you can increase the rate of your savings by using a platform
- You can manage your savings under one roof and grab a bonus
The products presented in this article are independently selected by the specialized journalists of This is Money. If you open an account using links that 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 that help savers more easily track their accounts and transfer money to better rates after signing up.
They may 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’s on offer elsewhere and also offer Financial Services Compensation Scheme protection.
The Raisin savings platform* 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 from our website.
It offers savers the chance to increase their savings by £30 when they open and fund an account on its marketplace with a minimum of £10,000.
It also offers a £25 refer-a-friend bonus, meaning you’ll also receive £25 for every friend you refer who funds a savings account with £5,000 or more.
If you successfully refer friends who end up funding their Raisin account with £5,000, that could mean insuring you £50.
Each of your friends will also receive £25 when they fund a savings account with a minimum term of 6 months with £5,000 or more.
Raisin’s rivals include Hargreaves Lansdown, Flagstone, AJ Bell’s Cash Savings Hub* and Aviva Save.
You can discover the best rates available on Raisin via our savings platform table* and see how you can increase your deposit with the bonus to potentially exceed the best rates in the market.
Below, we round up the best rates with Raisin and reveal whether they beat the best buys in our independent This is Money savings tables.
Compare the Best DIY Investment Platforms and Isa Stocks & Stocks
Investing online is simple, inexpensive and can be done from your computer, tablet or phone when and where it’s convenient for you.
When it comes to choosing a DIY investment platform, Isa stocks and shares, or a general investment account, the range of options can seem overwhelming.
Each provider has a slightly different offering, charging more or less for trading or holding stocks and providing access to a different range of stocks, funds and investment trusts.
When choosing the one that’s right for you, it’s important to consider the service it offers, as well as the administration and trading fees, and any other additional costs.
To help you compare investment accounts, we’ve analyzed the facts and put together a comprehensive guide to choosing the best and cheapest investment account for you.
We highlight the major players in the table below, but advise you to do your own research and consider the points in our comprehensive guide linked here.
>> This is Money’s complete guide to the best investment platforms and Isas
The platforms presented below are independently selected by This is Money’s specialist journalists. If you open an account using links that have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence.
|Administration fees||Expense||fund trading||Standard Stock, Trust, ETF Trading||Regular investment||Reinvestment of dividends|
|AJ Bell YouInvest*||0.25%||Max £3.50 per month for stocks, trusts, ETFs.||£1.50||£9.95||£1.50||£1.50 per transaction||More details|
|Bestinvest*||0.40%||Account maintenance fees reduced to 0.2% for ready-to-use investments||Free||£4.95||n / A||n / A||More details|
|Charles Stanley live||0.35%||No stock platform fees if a trade is made that month and an annual maximum of £240||Free||£11.50||n / A||n / A||More details|
|Loyalty*||0.35% on funds||Fees from £45 up to £7,500. Max £45 per year for stocks, trusts, ETFs||Free||£10||Free funds £1.50 stocks, ETF trusts||£1.50||More details|
|Hargreaves Lansdown*||0.45%||Capped at £45 for stocks, trusts and ETFs||Free||£11.95||£1.50||1% (minimum £1, maximum £10)||More details|
|Interactive Investor*||£119.88 or £9.99 per month||£7.99 per month trade credit back||£7.99||£7.99||Free||€0.99||More details|
|iWeb||£100 single||£5||£5||n / A||2%, maximum £5||More details|
|Free exchange*||Free for standard account £3 per month for Isa||Freetrade Plus with more investments is £9.99/month including tax. Isa Fee||no funds||Free||n / A||n / A||More details|
|Avant-garde||0.15%||Only Vanguard funds||Free||Free Vanguard ETFs only||Free||n / A||More details|
|(Source: ThisisMoney.co.uk June 2022. Administration fee shown annually, can be monthly or quarterly)|