What is an emergency fund?
Sometimes, life throws unwelcome surprises at us. Your car might break down, or you might need to pay for something sudden like a new boiler, dental treatment or a broken washing machine.
Without savings, these expenses can be stressful. An emergency fund helps you save for unexpected costs, making them easier to cope with.
Emergency fund calculator
Tell us about your outgoings and savings so far. We’ll tell you how you much you should save, just in case.
Savings to suit you
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Easy access
Keep your money somewhere safe, but withdraw whenever you like
- Earn a variable rate of interest on what you save
- Choose from our Online Saver, Instant Saver, Online ISA and Easy Access Cash ISA accounts
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Fixed rate
Saving for the longer term? Earn a fixed rate of interest for a set period of time
- Typically earn higher rates of interest by limiting access to your money
- Choose from our Online Bond, Growth Bond, Online ISA or Fixed Rate Cash ISA
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ISAs
Save tax-free with a fixed or variable rate of interest, or even both
- Save up to £20,000 tax-free in this tax year (2024/25)
- Choose from our Online ISA, Easy Access and Fixed Rate Cash ISAs, plus a Junior ISA
