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Savings accounts from Beehive Money

You might want to lock your money away or maybe you’d rather have a pot you can dip into now and then, just in case. Perhaps you're saving for your first home or retirement. Whatever your goals and however you’d like to save, there’s an account for almost everyone at Beehive.

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Choose an account

You can open a savings account online or through the Beehive Money app. All of our accounts are just for UK residents; we pay interest annually; and how often (and how much) you can withdraw depends on the account. Bear in mind too that any of our products can be withdrawn at any time.

You should regularly review any savings you have. See our full range of savings accounts below, compare interest rates and find the right product for your goals.

Need help deciding? Choose how much you’re likely to deposit to see the estimated total interest you could earn in 12 months. We’ve calculated it using the AER (Annual Equivalent Rate), assuming you’ll put in the amount you’ve chosen on the day that account launches. This gives you an idea of how much interest you might earn, based on your deposit.

Choose Account Rounded

Use the calculator below to get an idea of how much you could save, and the interest you could earn:

1 year bond issue 12

4.60%
  • - Fixed term until 31/07/2025
  • - UK residents aged 18 or over
  • - Open online with £500
  • - Earn annual interest
  • - Fixed return on your investment
  • - No access to funds until term ends
  • - Manage your account 24/7
Including your interest,
you could save
 

2 year bond issue 11

4.60%
  • - Fixed term until 30/06/2026
  • - UK residents aged 18 or over
  • - Open online with £500
  • - Earn annual interest
  • - Fixed return on your investment
  • - No access to funds until term ends
  • - Manage your account 24/7
Including your interest,
you could save
 

One Year Fixed ISA

4.60%
  • - Fixed term until 30/06/2025
  • - UK residents aged 18 or over
  • - Open online with £500
  • - Earn annual interest
  • - Fixed return on your investment
  • - No access to funds until term ends
  • - Transfers out allowed subject to 90 days’ interest charge
  • - Current & previous years’ transfers in are allowed in full only
Including your interest,
you could save
 

Two Year Fixed ISA

4.60%
  • - Fixed term until 30/06/2026
  • - UK residents aged 18 or over
  • - Open online with £500
  • - Earn annual interest
  • - Fixed return on your investment
  • - No access to funds until term ends
  • - Transfers out allowed subject to 180 days’ interest charge
  • - Current & previous years’ transfers in are allowed in full only
Including your interest,
you could save
 

Three Year Fixed ISA

4.25%
  • - Fixed term until 30/06/2027
  • - UK residents aged 18 or over
  • - Open online with £500
  • - Earn annual interest
  • - Fixed return on your investment
  • - No access to funds until term ends
  • - Transfers out allowed subject to 270 days’ interest charge
  • - Current & previous years’ transfers in are allowed in full only
Including your interest,
you could save
 

Five Year Fixed ISA Issue 2

4.05%
  • - Fixed term until 30/06/2029
  • - UK residents aged 18 or over
  • - Open online with £500
  • - Earn annual interest
  • - Fixed return on your investment
  • - No access to funds until term ends
  • - Transfers out allowed subject to 365 days’ interest charge
  • - Current & previous years’ transfers in are allowed in full only
Including your interest,
you could save
 

Online Lifetime ISA

3.50%
  • - Tax-free p.a./AER*
  • - 25% Government bonus up to £1,000 annually
  • - For ages 18-39
  • - Must be funded before your 40th birthday
  • - Open with £1
  • - Deposit up to £4,000 a year
  • - Save for your first home purchase or retirement
Including your interest,
you could save
  Including 25% government bonus

Easy Access ISA

2.65%
  • - Tax-free p.a./AER*
  • - Open online with £10
  • - Deposit up to £20,000 a year
  • - For ages 18+
  • - Easy access to your savings
  • - Unlimited penalty-free withdrawals
  • - No transfers of ISA savings
Including your interest,
you could save
 

Easy access

Need a savings account that you can dip into anytime, so you can withdraw whenever you like, without penalties? Our easy access accounts could be the one. Read more about it here.

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Limited access

If you won’t need to dip into your savings very often and you’re looking to receive higher rates of interest, a limited access savings account could be the right savings account for you.

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Regular saver

If you'd like to put money away on a monthly basis or are looking to get into the habit of saving a bit more, a Beehive regular savings account could be the savings account you need.

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For ISAs
*We will pay your interest free of UK income tax. Your tax treatment will depend on your individual circumstances and may be subject to change in the future. The tax treatment of ISAs may also change. AER stands for Annual Equivalent Rate. It shows what the interest rate would be if the interest was reinvested in the account each year. Interest rates are variable unless otherwise stated.

For non ISAs
*We will pay your interest without tax taken off. It is your responsibility to declare any interest you earn over your personal savings allowance directly to HMRC. Your tax treatment will depend on your individual circumstances and may be subject to change in the future, for further information please contact HMRC. AER stands for Annual Equivalent Rate. It shows what the interest rate would be if the interest was re-invested in the account each year. Interest rates are variable unless otherwise stated.

Things to know
Your gross rate is the amount of interest you’ll earn each year before tax. AER, or Annual Equivalent Rate, is designed to make savings accounts easier to compare. The AER will show you what your interest rate would be if interest was paid back into your account. For accounts that pay interest annually, the gross rate and the AER should be the same. For accounts that pay interest monthly the AER will be slightly higher than the gross rate. This is because if you leave your monthly interest in the account you’d start to earn interest on the interest.

These are just estimates and they’re for illustrative purposes only. Deposit examples may not reflect actual product deposit limits. We’ve based our calculations on the assumptions that the account is opened the day it’s made available; the interest rate doesn’t change; interest is paid straight into your account; and that you don’t put in any more money or take it out. So, if any of these things change, so will the amount of money you earn on your deposit.

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Ready to get started?

Step 1

Get registered!

To join Beehive Money you can do this one of two ways. You can register on your desktop, or if you'd prefer you can install our app and follow the instructions on your screen.

Step 2

Take your pick of accounts

Once you have access to Beehive, choose the account that's right for you. We have a whole range available, such as fixed rates, easy access accounts, Cash ISAs and the Lifetime ISA.

Step 3

Set goals, achieve milestones

We know that you’re more likely to achieve your dream if you set goals. Our goal tracker and a helpful milestone will help motivate you to save for a brighter future.

Have you heard the buzz?

Our lovely members put it better than we ever could. See what people are saying about us.

More reasons to love Beehive Money

Beehive Money is much more than homebuying experts, we're here to help you with your savings too. We have a range of accounts to help you grow your money and reach your goals sooner, whether that be buying your first home or increasing your rainy-day pot.

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Get saving!

With a range of savings accounts from fixed rates, so you know how much interest you'll get at the end of the term, to something a little more accessible, such as easy access accounts to dip into for those unexpected expenses, there is an account for almost everyone.

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Download our app

Once you've opened your account, download the Beehive Money app where you can manage your money on the go. Then, use our goal tracker so we can help you on your way and let us celebrate together when you achieve your milestones!

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We've got you covered

Across The Nottingham group, including accounts held with Beehive Money, your money is protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), so you can rest easy knowing your money is safe until you need it.

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