TSB Spend & Save Plus Savings Pot Review

An easy access account from TSB. It ranks 119th of 152 easy access accounts we track.

Variable rate

1.55%AER

Needs a TSB Spend & Save Plus current account, which costs £3 a month

Protection

FSCS£120,000

Min balance

£0

Max balance

£100,000

Access

Instant

Interest paid

Monthly

How It Stacks Up

Ranks 119th of 152

Easy access accounts we track

Well below average
This account 1.55%
UK CPI (Aug 2026)
3.10%
Pays 1.55% less
Average easy access
2.83%
Pays 1.28% less
Best easy access
5.00%
Pays 3.45% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 3.00% more than this TSB account
  • Instant access, open with £10

We may earn a commission if you open this account.

A Good Fit For

  • Pro: Savers who want instant access
  • Pro: Savers who want a monthly income

Worth Weighing Up

  • Con: The rate is variable, so it can go down
  • Con: You need a TSB Spend & Save Plus current account, which costs £3 a month, to open it

Good to Know

Requires a TSB Spend & Save Plus current account (£3 monthly fee).

Please verify all details with the provider – see our Disclaimer

See all TSB accounts

Estimated returns with TSB's Easy Access

What you could earn with TSB's Spend & Save Plus Savings Pot.

Estimated interest

£1,000 saved

£15.50

At 1.55% AER

£5,000 saved

£77.50

At 1.55% AER

£10,000 saved

£155

At 1.55% AER

£100,000 saved

£1,550

At 1.55% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Our Expert Opinion on TSB Spend & Save Plus Savings Pot

Jonny PeaseCo-Founder, DepositScout

The TSB Spend & Save Plus Savings Pot pays 1.55%, which is below the market average for easy access accounts and 3.45% behind the category leader at 5.00%. At 1.55%, the rate is also 1.55% below CPI inflation of 3.1% (Aug 2026), so your money is losing real value. This account suits existing TSB current account holders who want a tidy in-app savings pot alongside their day-to-day banking, but anyone focused on returns should look elsewhere - Tandem Bank's Instant Access Saver pays 3.40% with no such trade-off.

2 alternatives to TSB's Spend & Save Plus Savings Pot

Same type of account, closest on rate.

Common questions about the Spend & Save Plus Savings Pot

D

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

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