Max interest with personalised account combinations
Takes into account tax allowances and FSCS limits.
Daily monitoring for better rates and balance optimisations.
Fully automated in the OPTIMLY app.
Savings calculators
BASED ON A DEPOSIT AMOUNT OF
*Examples based on live data.
Products and rates are subject to eligibility requirements.
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Hi, Sam
Hi, Sam
OPTIMISE
New optimisations
+ £1,770
Messages
! Your car MOT runs out in 19 days.
Optimisations
Save: + £1,584
Your net savings rate is 2.2% AER. We predict that switching accounts will leave you £1,584 better off over the year. Over 5 years this grows to £4,582.
Invest: + £186
Your savings are £3,211 above target. We predict that moving this money into your investment ISA would be worth an extra £186 a year, or £1,138 over 5 years.
Get the right balance
Get the right balance
Interest from savings can help your money grow, however overpaying debt, investing, or putting your money into a pension could be more beneficial.

Our service begins by looking at your goals and objectives, tax-allowances - such as ISA and LISAs, and market rates to determine your optimal savings balances.

With this information we create a benchmark rate that enables us to quantify the pros and cons of keeping your money savings, repaying debt or investing in other asset classes.
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Outer Frame Image
Hi, Sam
Hi, Sam
OPTIMISE
New optimisations
+ £1,770
Messages
! Your car MOT runs out in 19 days.
Optimisations
Save: + £1,584
Your net savings rate is 2.2% AER. We predict that switching accounts will leave you £1,584 better off over the year. Over 5 years this grows to £4,582.
Invest: + £186
Your savings are £3,211 above target. We predict that moving this money into your investment ISA would be worth an extra £186 a year, or £1,138 over 5 years.
Get the best rate
Get the best rate
Getting the best rate isn't as simple as looking for the highest rate. While in some instances it can prove to be the right decision, for many there will be tax to pay on interest earned that can significantly reduce growth.

Our calculators determine which product - or combination of products - achieve the best rate, after tax from a whole-of-the-market search.

We factor into our calculations your Savings Starter Rate (SRR), Personal Savings Allowance (PSA), Personal Allowance (PA), ISA limits, LISA eligability and a host of other important considerations such as FSCS limits.
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Fully automated & always on
Automated & always on
One of the key aspects of our service is that it is autonomous. Each day we search the market to see if there is a better product, or combination of products.

We also monitor your savings balances to see if there's an opportunity to sweep excess funds into an account that pays a higher rate of interest.

You can set limits so you're only notified when the benefit of switching is significant enough to you, and at any time you can access our chat AI function for additional help and support.
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Safe and secure
We use bank-grade security, encryption and monitoring to keep your information safe.
Regulated
All savings accounts on our platform are authorised by the Prudential Regulation Authority, regulated by the Financial Conduct Authority and Prudential Regulation Authority, and covered by the Financial Services Compensation Scheme (FSCS).
Protected
Our algorithms can detect where your money is not covered by the Financial Services Compensation Scheme (FSCS). When we make recommondations we factor in FSCS banking group limits to ensure you stay protected.
Secure
We support face & fingerprint ID and use 256-bit TLS encryption to protect your account. We never collect more data that we need to provide you with our advice service. We only share your data with our partners with your permission.
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Leading rates on our platform
Last refreshed on
Easy access savings

Metro bank

Metro bank
5.22%
Notice accounts

Monument

Momentum: 7 days
5.10%

Harpenden

Harpenden: 60 days
5.15%

Vanquis

Vanquis: 90 days
5.50%

Melton

Melton: 180 days
5.50%
Fixed rate

Habib bank

Habib: 1 year
5.50%

Hanley

Hanley: 3 years
5.35%

UBL

UBL: 5 years
4.81%
LISAs & LISAs

Virgin

Virgin: 1 year fixed ISA
5.25%

Moneybox

Moneybox LISA
4.25%
Find your optimal combination
Use our calculator to maximise your savings interest
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