Savings - SEO page - Peer to peer

Peer to peer lending– an alternative way to boost your savings

Filled your ISA? Disillusioned with low savings rates? Could peer-to-peer lending be an option for you?

But how exactly does peer-to-peer lending work, and what are the risks involved? Here we explain all you need to know to make the most of your money.

Product information supplied has been provided by each individual brand not moneysupermarket.com

Peer-to-peer savings accounts - Easy Access To Your Money - Ordered by expected AER after fees and bad debt

    • Provider/Product name Monthly Access

      RateSetter

      Monthly Access

    • Expected AER after fees and bad debt 2.50% variable
    • More details

      Headline rate: 2.50% average net return

      Minimum investment amount: £10

      Term: Terms range from just one month up to five years. Choose the term that suits you. [NB:The RateSetter Sellout function allows you to sell your contracts mid-term, provided there is another lender to step in]

      Fee & Restrictions: Minimum age 21. Must be a British citizen

      Provision fund: RateSetter have over £2.5 million in their Provision Fund which covers defaults and no lender has ever lost a penny. This makes RateSetter unique amongst P2P companies

    • Go to site

    Great for
    Simple and low risk lending
    Award winning customer service
    The rate you see is the rate you get (all fees included)
    But be aware that
    Your savings are not protected by the FSCS
    RateSetter is an online service with no branches

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

Peer-to-peer savings accounts - Short Term 6 Months To 3 Years - Ordered by term

    • Provider/Product name Short Term (6 months to 3 years)

      Funding Circle

      Short Term (6 months to 3 years)

    • Expected AER after fees and bad debt 6.10% variable
    • More details

      Headline rate: Investors can earn a 6.10% average return after fees and bad debts

      Minimum investment amount: £20

      Term:  Loans are for periods of 6 months to 3 years, but if you want to access your money before the end of the loan you can sell your loan parts to other investors. There may be some circumstances which prevent loan parts from being sold

      Fee & Restrictions: 1% annual fee on the amount of money you have lent, collected only when you receive a payment. 0.25% fee on the amount outstanding if you sell your loan parts to other investors

      Provision fund: Not applicable, all loan contracts are directly between you and the businesses you've lent to

    • Go to site

    Supporting UK Businesses

    The Government-backed British Business Bank is lending £40 million of its £300m investment through Funding Circle to support UK businesses

    Great for
    You can choose the businesses you would like to lend to
    Simple and easy online access
    Lend from as little as £20
    But be aware that
    You are lending to businesses, so your capital is at risk
    Your savings are not protected by the FSCS
    Past returns are not necessarily a guide to future returns.

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 6 Month Term

      Wellesley & Co

      6 Month Term

    • Expected AER after fees and bad debt 3.79%
    • More details

      Headline rate: 3.79% Expected AER after fees and bad debt

      Minimum investment amount: £10.00

      Term: 6 Months

      Interest: (Maturity – 3.79%) …… (Monthly – n/a)

      Fees and restrictions: We do not charge fees to our lenders and we pay interest even when funds are un-lent therefore our customers know exactly what they are going to earn

      Provision Fund: The Provision Fund has been set up with an initial £100,000 of shareholder money

    • Go to site

    £50 Cashback

    £50 Cashback when you invest £2,500 or more with Wellesley & Co (T&Cs apply)

    Great for
    No fees apply to our lenders (savers)
    Interest is paid out even when funds are un-lent
    Start with as little as £10
    But be aware that
    Your savings are not protected by the FSCS

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 12 Month Term

      Wellesley & Co

      12 Month Term

    • Expected AER after fees and bad debt 4.75%
    • More details

      Headline rate: 4.75% Expected AER after fees and bad debt

      Minimum investment amount: £10.00

      Term: 12 Months

      Interest: (Maturity – 4.75%) …… (Monthly – n/a)

      Fees and restrictions: We do not charge fees to our lenders and we pay interest even when funds are un-lent therefore our customers know exactly what they are going to earn

      Provision Fund: The Provision Fund has been set up with an initial £100,000 of shareholder money

    • Go to site

    £50 Cashback

    £50 Cashback when you invest £2,500 or more with Wellesley & Co (T&Cs apply)

    Great for
    No fees apply to our lenders (savers)
    Interest is paid out even when funds are un-lent
    Start with as little as £10
    But be aware that
    Your savings are not protected by the FSCS

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 12 Months Term

      Lending Works

      12 Months Term

    • Expected AER after fees and bad debt 3.3% AER
    • More details

      Headline rate: 3.3% average net return (after fees and bad debt)

      Minimum investment amount: £10

      Term: One year to five year lending is available, you can choose a term that suits you. You can access your money instantly using Quick Withdraw, provided another lender can be found to replace you. Auto Lend ensures your money remains lent out, therefore maximising your return

      Fee & Restrictions: All fees have been deducted from returns stated and are capped at 1%. Minimum age 21. Must be a UK resident and a UK tax payer.

      Lending Works Shield - Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds. The Shield has insured against borrowers defaulting hence making lending through Lending Works extremely secure.

    • Go to site

    Lending Works Shield

    Threefold protection which includes the Lending Works Shield. The Shield has insurance against borrower defaults, cybercrime and fraud. No other peer-to-peer lender offers this.

    Great for
    Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds
    100% capital returned to every lender
    Instant access to your money using Quick Withdraw
    But be aware that
    Your savings are not protected by the FSCS

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages. Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 1 Year Bond

      RateSetter

      1 Year Bond

    • Expected AER after fees and bad debt 3.90% fixed
    • More details

      Headline rate: 3.90% average net return

      Minimum investment amount: £10

      Term: Terms range from just one month up to five years. Choose the term that suits you. [NB:The RateSetter Sellout function allows you to sell your contracts mid-term, provided there is another lender to step in]

      Fee & Restrictions: Minimum age 21. Must be a British citizen

      Provision fund: RateSetter have over £2.5 million in their Provision Fund which covers defaults and no lender has ever lost a penny. This makes RateSetter unique amongst P2P companies

    • Go to site

    Great for
    Simple & low risk lending
    Award winning customer service
    The rate you see is the rate you get (all fees included)
    But be aware that
    Your savings are not protected by the FSCS
    RateSetter is an online service with no branches

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 18 Month Term

      Wellesley & Co

      18 Month Term

    • Expected AER after fees and bad debt 5.65%
    • More details

      Headline rate: 5.65% Expected AER after fees and bad debt

      Minimum investment mount: £10.00

      Term: 18 Months

      Interest: (Maturity - 5.65%) …… (Monthly – 5.65%)

      Fees and restrictions: We do not charge fees to our lenders and we pay interest even when funds are un-lent therefore our customers know exactly what they are going to earn

      Provision Fund: The Provision Fund has been set up with an initial £100,000 of shareholder money

    • Go to site

    £50 Cashback

    £50 Cashback when you invest £2,500 or more with Wellesley & Co (T&Cs apply)

    Great for
    No fees apply to our lenders (savers)
    Interest is paid out even when funds are un-lent
    Start with as little as £10
    But be aware that
    Your savings are not protected by the FSCS

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 3 Years

      Zopa

      3 Years

    • Expected AER after fees and bad debt 4.00% Rate Promise
    • More details

      Headline rate: 4.00% projected return after fee on lending for up to 3 years

      Minimum investment amount: £10

      Term: You can earn by lending to individuals for up to 3 years, and you get a projected return based on the latest tracker rates. As you receive monthly repayments from your borrowers, you may re-lend the money at the current tracker rates to make sure your money works harder. You can choose the Zopa Rapid Return anytime you need to access your money urgently, provided that there is another lender to take over your loans. There is an additional 1% admin fee to use Rapid Return

      Fee & Restrictions: Minimum age 18. Must be a UK citizen. Zopa charges 1% fee on all money lent. The rate shown reflects your return after fees

      Zopa Safeguard: The Safeguard is a fund designed to step in and give you back all your money, plus interest, in the rare event a borrower cannot repay. Since launch of the Safeguard fund, it has had a 100% successful pay out rate

    • Go to site

    Great for
    Lend money safely to the UK’s safest borrowers
    Zopa Safeguard was created in order for savers to get all their money back, with interest, in case a borrower cannot repay their loan
    But be aware that
    Your savings are not protected by the FSCS
    • Provider/Product name 3 Year Term

      Wellesley & Co

      3 Year Term

    • Expected AER after fees and bad debt 6.13%
    • More details

      Headline rate: 6.13% Expected AER after fees and bad debt

      Minimum investment amount: £10.00

      Term: 36 Months

      Interest: (Maturity – 6.12%) …… (Monthly – 6.13%)

      Fees and restrictions: We do not charge fees to our lenders and we pay interest even when funds are un-lent therefore our customers know exactly what they are going to earn

      Provision Fund: The Provision Fund has been set up with an initial £100,000 of shareholder money

    • Go to site

    £50 Cashback

    £50 Cashback when you invest £2,500 or more with Wellesley & Co (T&Cs apply)

    Great for
    No fees apply to our lenders (savers)
    Interest is paid out even when funds are un-lent
    Start with as little as £10
    But be aware that
    Your savings are not protected by the FSCS

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 3 Year Income

      RateSetter

      3 Year Income

    • Expected AER after fees and bad debt 4.50% fixed
    • More details

      Headline rate: 4.50% average net return

      Minimum investment amount: £10

      Term: Terms range from just one month up to five years. Choose the term that suits you. [NB:The RateSetter Sellout function allows you to sell your contracts mid-term, provided there is another lender to step in]

      Fee & Restrictions: Minimum age 21. Must be a British citizen

      Provision fund: RateSetter have over £2.5 million in their Provision Fund which covers defaults and no lender has ever lost a penny. This makes RateSetter unique amongst P2P companies

    • Go to site

    Great for
    Simple & low risk lending
    Award winning customer service
    The rate you see is the rate you get (all fees included)
    But be aware that
    Your savings are not protected by the FSCS
    RateSetter is an online service with no branches

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 3 Year Term

      Lending Works

      3 Year Term

    • Expected AER after fees and bad debt 4.1% AER
    • More details

      Headline rate: 4.1% average net return (after fees and bad debt)

      Minimum investment amount: £10

      Term: One year to five year lending is available, you can choose a term that suits you. You can access your money instantly using Quick Withdraw, provided another lender can be found to replace you. Auto Lend ensures your money remains lent out, therefore maximising your return

      Fee & Restrictions: All fees have been deducted from returns stated and are capped at 1%. Minimum age 21. Must be a UK resident and a UK tax payer.

      Lending Works Shield - Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds. The Shield has insured against borrowers defaulting hence making lending through Lending Works extremely secure.

    • Go to site

    Lending Works Shield

    Threefold protection which includes the Lending Works Shield. The Shield has insurance against borrower defaults, cybercrime and fraud. No other peer-to-peer lender offers this.

    Great for
    Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds
    100% capital returned to every lender
    Instant access to your money using Quick Withdraw
    But be aware that
    Your savings are not protected by the FSCS

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

Peer-to-peer savings accounts - Long Term 4 Years And Over - Ordered by term

    • Provider/Product name Long Term (3 years to 5 years)

      Funding Circle

      Long Term (3 years to 5 years)

    • Expected AER after fees and bad debt 6.10% variable
    • More details

      Headline rate: Investors can earn a 6.10% average return after fees and bad debts

      Minimum investment amount: £20

      Term:  Loans are for periods of 3 to 5 years, but if you want to access your money before the end of the loan you can sell your loan parts to other investors. There may be some circumstances which prevent loan parts from being sold

      Fee & Restrictions: 1% annual fee on the amount of money you have lent, collected only when you receive a payment. 0.25% fee on the amount outstanding if you sell your loan parts to other investors

      Provision fund: Not applicable, all loan contracts are directly between you and the businesses you've lent to

    • Go to site

    Supporting UK Businesses

    The Government-backed British Business Bank is lending £40 million of its £300m investment through Funding Circle to support UK businesses

    Great for
    You can choose the businesses you would like to lend to
    Simple and easy online access
    Lend from as little as £20
    But be aware that
    You are lending to businesses, so your capital is at risk
    Your savings are not protected by the FSCS
    Past returns are not necessarily a guide to future returns.

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 5 Years

      Zopa

      5 Years

    • Expected AER after fees and bad debt 5.00% Rate Promise
    • More details

      Headline rate: 5.00% projected return after fee on lending for up to 5 years

      Minimum investment amount: £10

      Term: You can earn by lending to individuals for up to 5 years, and you get a projected return based on the latest tracker rates. As you receive monthly repayments from your borrowers, you may re-lend the money at the current tracker rates to make sure your money works harder. You can choose the Zopa Rapid Return anytime you need to access your money urgently, provided that there is another lender to take over your loans. There is an additional 1% admin fee to use Rapid Return

      Fee & Restrictions: Minimum age 18. Must be a UK citizen. Zopa charges 1% fee on all money lent. The rate shown reflects your return after fees

      Zopa Safeguard: The Safeguard is a fund designed to step in and give you back all your money, plus interest, in the rare event a borrower cannot repay. Since launch of the Safeguard fund, it has had a 100% successful pay out rate

    • Go to site

    Great for
    Lend money safely to the UK’s safest borrowers
    Zopa Safeguard was created in order for savers to get all their money back, with interest, in case a borrower cannot repay their loan
    But be aware that
    Your savings are not protected by the FSCS
    • Provider/Product name 5 Year Income

      RateSetter

      5 Year Income

    • Expected AER after fees and bad debt 5.90% fixed
    • More details

      Headline rate: 5.90% average net return

      Minimum investment amount: £10

      Term: Terms range from just one month up to five years. Choose the term that suits you. [NB:The RateSetter Sellout function allows you to sell your contracts mid-term, provided there is another lender to step in]

      Fee & Restrictions: Minimum age 21. Must be a British citizen

      Provision fund: RateSetter have over £2.5 million in their Provision Fund which covers defaults and no lender has ever lost a penny. This makes RateSetter unique amongst P2P companies

    • Go to site

    Great for
    Simple and low risk lending
    Award winning customer service
    The rate you see is the rate you get (all fees included)
    But be aware that
    Your savings are not protected by the FSCS
    RateSetter is an online service with no branches

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages.  Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 5 Year Term

      Lending Works

      5 Year Term

    • Expected AER after fees and bad debt 5.6% AER
    • More details

      Headline rate: 5.6% average net return (after fees and bad debt)

      Minimum investment amount: £10

      Term: One year to five year lending is available, you can choose a term that suits you. You can access your money instantly using Quick Withdraw, provided another lender can be found to replace you. Auto Lend ensures your money remains lent out, therefore maximising your return

      Fee & Restrictions: All fees have been deducted from returns stated and are capped at 1%. Minimum age 21. Must be a UK resident and a UK tax payer.

      Lending Works Shield - Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds. The Shield has insured against borrowers defaulting hence making lending through Lending Works extremely secure.

    • Go to site

    Lending Works Shield

    Threefold protection which includes the Lending Works Shield. The Shield has insurance against borrower defaults, cybercrime and fraud. No other peer-to-peer lender offers this.

    Great for
    Lenders are protected up to a default rate of 10%, over 5 times greater than other reserve funds
    100% capital returned to every lender
    Instant access to your money using Quick Withdraw
    But be aware that
    Your savings are not protected by the FSCS

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages. Please first read our peer-to-peer guide below to see if this product is right for you.

    • Provider/Product name 5 Year Bond

      Wellesley & Co

      5 Year Bond

    • Expected AER after fees and bad debt 6.58%
    • More details

      Headline rate: 6.58% Expected AER after fees and bad debt

      Minimum investment amount: £10.00

      Term: 5 Years

      Interest: (Maturity – 6.58%) …… (Monthly – 6.58%)

      Fees and restrictions: We do not charge fees to our lenders and we pay interest even when funds are un-lent therefore our customers know exactly what they are going to earn

      Provision Fund: The Provision Fund has been set up with an initial £100,000 of shareholder money

    • Go to site

    £50 Cashback

    £50 Cashback when you invest £2,500 or more with Wellesley & Co (T&Cs apply)

    Great for
    No fees apply to our lenders (savers)
    Interest is paid out even when funds are un-lent
    Start with as little as £10
    But be aware that
    Your savings are not protected by the FSCS

    Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders do offer their own compensation packages. Please first read our peer-to-peer guide below to see if this product is right for you.

What is peer-to-peer lending?

Important information about peer-to-peer lending

Investing your savings in a peer to peer lending scheme can potentially be a good way to get better returns than more conventional forms of saving. However, it should only be considered as part of a balanced investment portfolio and is not for everyone. Peer to peer savings are not regulated by the Financial Conduct Authority and your capital will not be protected by The Financial Services Compensation Scheme should things go wrong. It’s important you understand both the advantages and disadvantages before making a decision on whether to invest, please read this guide to help you make a more informed decision.

As the name suggests, peer-to-peer lending involves people using their savings to lend to other individuals, therefore cutting out the need for banks to be involved. The aim is that those who are willing to lend could get higher returns on their savings than they would if they put their money in a conventional savings account, and in turn the individuals they are lending to could get lower cost loans than they would if they borrowed through a bank.

Some peer-to-peer sites lend to small businesses too, which for many has proved invaluable in light of current tight bank lending restrictions.

As a lender, you can choose your rate of return based on the length of time you want to invest your money for and the level of risk you’re prepared to take. For example, if you only want to lend to those with the best credit scores you will earn less than if you are prepared to lend to a higher risk group.

There are charges and fees although these are usually already factored in to the rate you see advertised – this is worth checking though.

Anyone aged 18 or above who is a UK resident, has a UK current account and is not lending in the course of a business can usually become a peer to peer lender.

You don’t need to lend large sums to invest either, most peer-to-peer investments start from as little as £10 or £20.

What are the advantages of using peer-to-peer lending?

In today’s low interest rate environment, peer-to-peer saving is proving increasingly popular, as it offers one of the few ways for savers to potentially generate returns that could beat inflation. Returns can be considerably higher than those offered on most savings accounts, and are fixed for the period of the loan, which can usually be over either three or five years. In order to minimise the risks any money you lend can usually be split over multiple credit-checked borrowers in small chunks. Therefore if one person fails to keep up with their repayments, it doesn’t mean you would lose all your money.

Some peer-to-peer lending companies run their own schemes that guarantee to return every penny to investors through a Provision Fund which borrowers contribute to by way of a credit rate fee charged at between 0.5% and 3% of the loan.

For additional protection, most peer-to-peer schemes hold Consumer Credit Licences from the Office of Fair Trading and use the same processes and fraud prevention systems as banks, but always ask what protection is in place before becoming a lender.

What are the dis-advantages of peer to peer lending?

Saving with peer to peer lending should only be considered as part of a balanced investment portfolio.

Peer to peer saving is not regulated by The Financial Conduct Authority and your money will not be covered by the Financial Services Compensation Scheme as with most standard investment schemes if the lending company goes bust.

Investing your savings within a peer to peer lending scheme is not for everyone. Interest rates vary significantly with higher returns gained through lending to higher risk borrowers. This in turn raises the risk that you may not get some or all of your money back.

If you need to withdraw your funds early, some schemes will charge a fee for doing this and some schemes don’t allow withdrawal of your capital early at all. It is sometimes possible to sell the loan on in order to get your money out early, but there is usually a fee for doing this and could take time, meaning you can’t access your cash in the interim.

If the person you have lent the money to within the scheme defaults on their loan repayments, there is a risk you could lose all or some of your money. Also, if the borrower chooses to repay their loan early, which many people do, it will have a knock on effect on your rate of return.

Compare options for investing in peer-to-peer lending

The number of peer-to-peer lending schemes available has increased dramatically in recent years, so comparing them and finding the right one to suit your needs isn’t always easy. However, you can use MoneySupermarket.com to compare peer to peer investment options without having to trawl around all the different sites yourself.

 

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