Savings rates
Rates reviewed daily · last updated 5 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| 5 Year Fixed Rate ISA | 5.11% | 5 Years | Accepted | £1,000 | |
| 3 Year Fixed Rate ISA | 5.05% | 3 Years | Accepted | £1,000 | |
| 2 Year Fixed Rate ISA | 5.02% | 2 Years | Accepted | £1,000 | |
| 1 Year Fixed Rate ISA | 4.91% | 1 Year | Accepted | £1,000 | |
| Double Access ISA | 4.16% | Limited withdrawals | Accepted | £500 | |
| Easy Access ISA | 3.86% | Instant | Accepted | £500 |
Fixed Rate
| Account | AER | Term | Interest paid | Min Balance | |
|---|---|---|---|---|---|
| 2 Year Fixed Rate Bond | 4.31% | 2 Years | Monthly/Annually | £1,000 | |
| 1 Year Fixed Rate Bond | 4.30% | 1 Year | Monthly/Annually | £1,000 |
Easy Access
| Account | AER | Access | Interest | Min Balance | |
|---|---|---|---|---|---|
| Double Access Saver | 4.16% | Limited withdrawals | Variable | £500 | |
| Easy Access | 3.80% | Instant | Variable | £500 |
Notice Account
| Account | AER | Notice period | Interest | Min Balance | |
|---|---|---|---|---|---|
| 95 Day Notice | 3.95% | 95 Days | Variable | £500 |
Is Vida Savings FSCS protected?
Yes — FSCS protected up to £120,000
Yes. Vida Savings savings are FSCS protected up to £120,000 per person, per banking licence, under Vida Bank Limited.
Banking licence: Vida Bank Limited
Last checked against the FCA register on 5 October 2026.
See every brand that shares a banking licenceSwitch offers
Who they are
Vida Bank has been operating since 2016, with its roots in specialist residential and buy-to-let mortgage lending through the Vida Homeloans brand. In November 2024, it received full authorisation from the Prudential Regulation Authority and the Financial Conduct Authority to become a fully licensed bank - and savings followed shortly after. Since launching Vida Savings, it has attracted over £1 billion in deposits , which is a decent sign that savers have been paying attention. Vida Bank, Vida Savings and Vida Homeloans are all trading names of Vida Bank Limited, registered in England and Wales. It is a challenger rather than a household name, but it operates its own standalone banking licence with no shared FSCS cover to worry about.
Savings accounts
Vida's range covers most bases. On the flexible side, there is a straightforward Easy Access account and a 95 Day Notice account, both with a £500 minimum. If you want a little more return in exchange for giving up a couple of withdrawal slots, the Double Access Saver and Double Access ISA sit in the same family.
The fixed-rate lineup is where Vida has been most active. One-year and two-year fixed bonds are available from £1,000. The Cash ISA range runs from one year all the way to five years, also from £1,000 - useful if you want to shelter interest from tax across different time horizons. Rates on the ISA side have generally sat ahead of the equivalent taxable bonds, so ISA savers in particular may find Vida worth a look. All rates shown on this page are variable or fixed as noted, and current figures are live - check the table above for the latest.
FSCS protection
All Vida Savings accounts are deposits held under Vida Bank Limited's own licence. Your savings are protected up to £120,000 per person by the FSCS. Joint accounts get £240,000 between two holders. Because Vida does not share its licence with any other brand, you do not need to net off balances elsewhere when thinking about your limit.
Is it right for you?
Vida suits savers who are comfortable going online and opening an account with a newer bank in exchange for competitive rates - particularly those with an eye on the Cash ISA market. There is no switching bonus on offer right now, and it is not a current account provider, so this is purely a savings destination. As always, check the live rates on this page before you decide, since savings rates move and what makes sense today may look different in a month.
This overview was generated by DepositScout's AI, Penny on 2 October 2026. It may contain inaccuracies — always confirm rates and terms with Vida Savings directly. Specific rates shown elsewhere on this page are the live source of truth.
