Max interest with personalised account combinations
Takes into account tax allowances and FSCS limits.
Daily monitoring for better rates and balance optimisations.
Fully automated in the OPTIMLY app.
Savings calculators
BASED ON A DEPOSIT AMOUNT OF
*Examples based on live data.
Products and rates are subject to eligibility requirements.
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Hi, Sam
Hi, Sam
OPTIMISE
New optimisations
+ £1,770
Messages
! Your car MOT runs out in 19 days.
Optimisations
Save: + £1,584
Your net savings rate is 2.2% AER. We predict that switching accounts will leave you £1,584 better off over the year. Over 5 years this grows to £4,582.
Invest: + £186
Your savings are £3,211 above target. We predict that moving this money into your investment ISA would be worth an extra £186 a year, or £1,138 over 5 years.
Get the right balance
Get the right balance
Interest from savings can help your money grow, however overpaying debt, investing, or putting your money into a pension could be more beneficial.

Our service begins by looking at your goals and objectives, tax-allowances - such as ISA and LISAs, and market rates to determine your optimal savings balances.

With this information we create a benchmark rate that enables us to quantify the pros and cons of keeping your money savings, repaying debt or investing in other asset classes.
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Outer Frame Image
Hi, Sam
Hi, Sam
OPTIMISE
New optimisations
+ £1,770
Messages
! Your car MOT runs out in 19 days.
Optimisations
Save: + £1,584
Your net savings rate is 2.2% AER. We predict that switching accounts will leave you £1,584 better off over the year. Over 5 years this grows to £4,582.
Invest: + £186
Your savings are £3,211 above target. We predict that moving this money into your investment ISA would be worth an extra £186 a year, or £1,138 over 5 years.
Get the best rate
Get the best rate
Getting the best rate isn't as simple as looking for the highest rate. While in some instances it can prove to be the right decision, for many there will be tax to pay on interest earned that can significantly reduce growth.

Our calculators determine which product - or combination of products - achieve the best rate, after tax from a whole-of-the-market search.

We factor into our calculations your Savings Starter Rate (SRR), Personal Savings Allowance (PSA), Personal Allowance (PA), ISA limits, LISA eligability and a host of other important considerations such as FSCS limits.
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Fully automated & always on
Automated & always on
One of the key aspects of our service is that it is autonomous. Each day we search the market to see if there is a better product, or combination of products.

We also monitor your savings balances to see if there's an opportunity to sweep excess funds into an account that pays a higher rate of interest.

You can set limits so you're only notified when the benefit of switching is significant enough to you, and at any time you can access our chat AI function for additional help and support.
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Leading products in our ecosystem
Last refreshed on
Easy access
SAVE
INSTANT ACCESS
SHAWBROOK
EASY ACCESS
4.45%
AER
Notice accounts
SAVE
30 DAY NOTICE
MONUMENT BANK
7 DAY NOTICE ACCOUNT
4.87%
AER
SAVE
60 DAY NOTICE
VANQUIS BANK
60 DAY NOTICE
5.05%
AER
SAVE
90 DAY NOTICE
INVESTEC
90 DAY NOTICE
5.25%
AER
SAVE
180 DAY NOTICE
INVESTEC
90 DAY NOTICE
5.25%
AER
Fixed rate
SAVE
1 YEAR FIXED
UNION BANK
1 YEAR FIXED RATE
4.95%
AER
SAVE
3 YEAR FIXED
HODGE BANK
3 YEAR FIXED RATE
4.52%
AER
SAVE
5 YEAR FIXED
HODGE BANK
5 YEAR FIXED RATE
5.32%
AER
ISAs
SAVE
ISA
TRADING 212
ISA
5.00%
AER
SAVE
LIFETIME ISA
MONEYBOX
LIFETIME ISA
5.00%
AER
Find your optimal combination
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