Sidekick savings rates — compare every account, plus switch offers and guides

Who they are

Sidekick is a modern wealth manager built for ambitious UK professionals , sitting somewhere between a savings platform and a light-touch investment app. Its savings accounts are provided by UK regulated banks, and it partners with savings platform Bondsmith to deliver access to multiple banks, each of which has a full UK banking licence. The team includes experts from fintech, public equities, venture capital, banking and big tech, and the platform is backed by investors including Octopus Ventures, Seedcamp and Pact. Everything is managed through the Sidekick app, available on iOS and Android.

Savings accounts

Sidekick's flagship easy access product is the High-yield Savings account, currently paying 4.17% AER variable. That rate includes a 0.56% bonus for the first 12 months on top of a 3.61% base rate - so it is worth noting what you will be left with once the bonus period ends. Access is instant. The Multi Shield Savings account offers 3.23% AER variable with next working day access, and spreads savings across multiple UK-regulated banks, with FSCS protection potentially applying up to £120,000 per person, per authorised firm.

On the fixed side, Sidekick offers a 1-year Fixed Term Savings at 4.11% and a 2-year at 4.21%, both with no access until maturity. All accounts can be opened from just £1, which is a low bar. Eligible deposits of up to £120,000 per depositor are covered by the FSCS. Because your money sits with partner banks rather than Sidekick directly, it is worth checking which underlying bank holds your specific account - Sidekick offers savings products from a number of banks via partner Bondsmith, with its latest Easy Access account provided by OakNorth Bank, a fully regulated UK bank.

Is it right for you?

Sidekick suits savers who want a competitive easy access rate and are comfortable with an app-only experience. Interest accrues daily, with bonuses paid monthly into the Sidekick Wallet, giving flexibility to reinvest, save, or withdraw. The bonus on the High-yield account is a genuine attraction in year one, but do set a reminder before month 12 - the base rate without the boost is meaningfully lower. If you want to lock money away, the 2-year fixed rate edges ahead of the 1-year, which may suit those confident they will not need the funds. There are no switch offers currently available through Sidekick. There is a £2.99 monthly fee to use Sidekick , so factor that into your net return calculation, particularly on smaller balances.

Rates change regularly - check the live figures on this page before you decide.