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CASH MANAGEMENT
Compare business accounts and savings options that pay interest on your balance, so cash that sits still keeps working.
accounts compared
Standard rates, before tax
4 accounts in United Kingdom
Business savings · Instant access
Instant-access savings with tiered rates
Tide’s Instant Saver offers up to 4% AER (variable) with tiered rates and instant access, provided by ClearBank and protected by the FSCS. Open it with a Tide business account or connect another business bank account.
Rate
Up to 4% AER
Variable, tiered
Access
Instant
No notice period
Provided by
ClearBank
FSCS protected
Business bank · Savings
Business savings without switching banks
Allica Bank offers instant-access, notice and fixed-rate business savings that you can open without moving your main account. Its instant-access rate has been reported at up to about 4% AER variable in 2026, with a minimum deposit; check Allica for today’s rate.
Rate
Up to ~4% AER
Reported 2026
Options
Instant, notice, fixed
Choose by access
Protection
FSCS
Eligible deposits
Business savings · Instant access
Instant-access savings from Capital on Tap
Capital on Tap’s Instant Savings account has been reported at about 3.74% to 3.82% AER variable in 2026, with instant access, no penalties and FSCS protection. Check Capital on Tap for today’s rate.
3.74% standard rateup to 3.82%
Rate
About 3.7–3.8%
AER, reported 2026
Access
Instant
No penalties
Protection
FSCS
Eligible deposits
Specialist bank · Easy access, notice and fixed
Savings options for every access need
Aldermore offers easy-access, notice and fixed-rate business savings with no fees and a £1,000 minimum. Rates reported in 2026: about 2.45% AER easy access, 4.00% on 95-day notice and 4.16% on a 12-month fixed rate. Check Aldermore for today’s rates.
2.45% standard rateup to 4.16%
Easy access
About 2.45%
AER variable, 2026
95-day notice
About 4.00%
AER variable, 2026
12-month fixed
About 4.16%
AER, 2026
Standard big-bank business savings often pay about 0.01%
What you earn now · 0.01%C$25 / yr
Capital on Tap Instant Savings · 3.74%C$9,350 / yr
Aldermore Business Savings · 2.45%C$6,125 / yr
Based on standard rates; tiered and promotional rates vary.
Sources: provider published product information recorded by Treasi. How we rate · Editorial policy · Compare business banking
Compare the ongoing return on your actual balance, alongside access, currencies and protection.
Standard rates apply on an ongoing basis; promotions temporarily boost the rate and may apply only to new deposits.
Check the tier for your actual balance, not just the highest advertised rate.
Keep operating cash accessible and check withdrawal timing and any term-deposit lock-ups.
Compare the rate and account terms separately for each currency you hold.
Check the institution holding your deposits, eligible coverage and limits.
Every rating comes from the provider’s published terms, checked against official sources and dated. Partners and non-partners are rated the same way.
It’s how a business manages the money it holds: keeping enough on hand to pay bills and payroll, and putting cash it doesn’t need right away somewhere it earns interest without losing access.
Many big-bank business savings accounts pay very little on standard balances, often around 0.01%, while several fintech and online accounts pay about 2% to 2.5% on every dollar. Rates change, so compare current rates.
A standard rate applies to your balance on an ongoing basis. A promotional rate is a temporary boost, often on new deposits only and for a set period, after which the standard rate applies.
Tiered accounts pay different rates depending on your balance. Higher balances usually earn more, so check the rate for your actual balance, not just the top tier.
CDIC protects eligible deposits at member institutions up to C$100,000 per insured category. Fintechs often hold funds through partner institutions, so check how each provider holds and protects your money.
A GIC can pay more in exchange for locking money for a set term. Many businesses keep operating cash accessible and put cash they won’t need for months into a term deposit.
