You can often find slightly higher rates by going directly to a bank, as HL typically takes a 0.25% commission from the provider. Typical 2026 Rates: Easy Access: Up to 3.85% AER. 1-Year Fixed: Up to 4.48% AER. 2-Year Fixed: Up to 4.41% AER. User Experience and Service Quality
For many users, the primary draw is the Instead of opening 10 separate accounts with 10 different banks to get better rates, you open one HL account. hargreaves lansdown active savings reviews