Cash savings hub

Save more, stress less. Browse a range of competitive rates, and manage everything easily in one place

Important information: Fixed and notice savings accounts don't allow instant access to your cash. With a fixed term account, you can’t access your savings until the end of your term. With a notice account, you need to give notice that you want to withdraw your cash. Notice account rates can change. Remember that inflation may mean your savings won’t go as far in the future.

Your savings, working harder

The Cash savings hub takes the fuss out of finding better interest rates. Browse competitive accounts, deposit your cash, and take instant action when your term is up – all in one place.

  • Competitive rates – so your savings stretch further

  • Free to use – we’re paid by our partner banks, not by you

  • Simple and straightforward – apply for any account in seconds, with zero paperwork

  • Peace of mind – each account is covered by the Financial Services Compensation Scheme (FSCS) covering up to £85,000 per bank. Learn more

Financial Services Compensation Scheme logo

How it works

Once you open your Cash savings hub, you can apply for any savings account in a few clicks. Then just pay the cash you'd like to deposit into your unique transit account – it will transfer automatically into the savings account you’ve applied for, and transfer back again when your term is up.

Keep in mind that the Cash Savings hub is a standalone service, so you can’t use it for cash you have in other accounts with us.

  • Do I need to have an AJ Bell Youinvest account?

    Yes. Before you can open a Cash savings hub, you'll need to open an AJ Bell Youinvest account if you don't have one already. Browse our accounts

  • What is a transit account?

    Your transit account is the temporary holding area for your cash. Money you pay into your transit account will transfer automatically to the savings account(s) you choose. It will then transfer back (along with any interest earned) when your term is up.

    Your transit account is operated by our partner, Starling Bank, and is unique to you – with your own account number and sort code. As it’s a temporary home for your cash, it doesn’t pay interest.

    You can only pay into your transit account via faster payments from your personal bank account. Check if your bank places a ceiling on one-off faster payment amounts – if so, you may need to pay in your full deposit amount in instalments, rather than one go.

    I have a personal bank account. How much can I send using Faster Payments?

  • What is the difference between a fixed term and notice account?

    For a fixed term account, you can’t withdraw your cash until the term is up. For a notice account, you’ll need to give the length of notice specified by the account before you can get your cash back.

    You may be able to renew a fixed term account – it's up to the bank. Check your options in advance by logging in to your Cash savings hub.

  • What happens when my savings term is up?

    Fixed term accounts – when your term is nearly up, we’ll email you with your options. If you decide not to renew the account, or it isn’t possible to, your cash will automatically return to your transit account once the term finishes.

    Notice accounts – your account will stay open indefinitely until you give notice. You can give notice on your Cash savings hub account. Then, once your notice period has passed, your money will automatically transfer back to your transit account.

    After your fixed term account is up or your notice period has passed, it takes up to four working days for your cash and interest to transfer back to your transit account. Once the money is back in your transit account, you can decide to deposit it in another savings account, or withdraw it.

  • How do I know I'm getting a competitive rate?

    We work hard to ensure our rates are among the best on offer. As our partner banks offer a wide range of savings terms, you can choose how long your savings are locked away.

  • What is a Sharia account?

    To comply with Islamic law, a Sharia account pays an 'expected profit rate' (EPR) rather than interest. Anyone can open a Sharia account, which offers the same FSCS cover as a regular account. Learn more about Sharia savings accounts.


See our Cash savings hub FAQs