Welcome to Financielle Money Deals – a monthly guide to the best deals in the UK so you can make the most of your money.
All information correct as at 30 July 2025
In June, the Bank of England base rate was held at 4.25% The next meeting is set for Thursday 07 August 2025.
Current bank switches
💳 First Direct – £175 Bonus
- Open a 1st Account & switch with 2 direct debits/standing orders
- Pay in £1,000 (must stay for 24 hours)
- Use the debit card 5 times + log into the app
- Must be new to First Direct & HSBC (since 2018)
- Bonus paid by the 20th of the following month
Click here for more info
💳 Barclays Bank – £175 Bonus (offer ends 28 August 2025)
- New customers only; must not have had a Barclays account or switch bonus since 15 Aug 2025
- Switch to a Bank Account with Blue Rewards or Premier; £5/month fee applies
- Pay in £1,500 and set up 2 direct debits within 30 days
- Bonus paid within 28 days
Click here for more info
💳 TSB – £100 Bonus (plus up to £90 cashback and extras)
- Open a Spend & Save account and complete a full switch
- Log into the TSB Mobile Banking app
- Make 5+ debit card payments
- £100 paid between 6–12 Oct 2025
Click here for more info
💳 NatWest – £175 Bonus
- Open an eligible account and switch within 60 days
- Pay in £1,250 (must stay in the account for 24hrs)
- Log into the mobile banking app
- Get £125, then open a Digital Regular Saver
- Receive extra £50 within 30 days
- Not eligible if you’ve had a NatWest switch bonus before
Click here for more info
💳 RBS – £125 Bonus
- New customers only
- Pay in £1,250 within 60 days of opening
- Log in to online banking or mobile banking app
- You will receive £125 within 30 days
- Open a digital regular saver (for an additional £50)
- Can’t have received a switching bonus from RBS/NatWest/Ulster bank before
Click here for more info
Where to keep your emergency fund
💰 Barclays Rainy Day Saver – 4.61% interest (up to £5,000) → Requires Barclays Blue Rewards (£5 monthly fee). Click here for more info.
💳 Santander Edge Saver – 6% interest (up to £4,000 for 12 months, you must have a Santander Edge Current Account) + 1% cashback on bills, groceries & travel (£3 monthly fee). Click here for more info.
🛑NB: From 09 September 2025 Santander will be stopping their 1% cashback
💸 Santander Regular Saver – 5% fixed for 12 months. Save up to £200/month, earn £65.01 interest in a year. Click here for more info.
PLUS – the Trading 212 Cash ISA is a firm favourite amongst the Financielle team and community
Best interest rates
Lloyds
These classic accounts still offer great interest rates:
Club Lloyds Monthly Saver 6.25% (up to £400/month, would give £150 interest/yr)
Monthly Saver 5.25% interest (fixed for 12 months, up to £250/month, would give £78.75 interest/yr)
Fee Alert: Club Lloyds account fee rises from £3 to £5 (June 2025), waived if you deposit £2,000/month
HSBC
- Fixed Rate Cash ISA: 4.10% (up to 13 months, for current account holders)
- Regular Savings Account: 5.00% (1 year, no instant access)
- Fixed Rate Savings: 4.00% (1 year, no instant access)
- Online Bonus Saver: up to £50,000: 4.00% interest; over £50,000: 1.50%
Halifax
Choose between £5 cash/month, a cinema ticket, digital movies or magazines. fee: £3/month (waived if you deposit £1,500/month). You then get access to the Regular Saver 5.50% interest (12 months). Save £25 – £250/month, £250/month earns £82.50 interest
🛑NB: From the end of September the monthly reward will no longer be available
Bank of Scotland
- Monthly Saver: 5.50% interest
- 1 Year Fixed Cash ISA: 3.60%
- 2 Year Fixed Cash ISA: 3.50%
- Advantage ISA Saver: 3.25%
Best accounts for children
Scottish Friendly
Award-winning ‘Best Junior ISA provider’, invest from £20 a month, can pay in £50 lump sum
Go to Scottish Friendly Junior ISA
Starling Kite (for 6 to 15 year olds)
Instant phone notifications when your child spends, smart money tools, kids version of the App
Go Henry
Smart features that let kids learn every day, gamified money lessons, parental controls, learn to earn (set up tasks app, children can earn extra pocket money)
Rooster (by NatWest)
Get £5 free with promo code: ROOSTERS, flexible parental controls
TSB – Junior ISA
Earn up to 3.55% tax free, open with just £1
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