Grow your money
Savings Accounts
Market-leading rates, flexible access, and FSCS protection up to £85,000.
Start saving
Our accounts
Choose your savings account
Easy Access Saver
Most popularWithdraw whenever you need with no penalties. Perfect for your emergency fund.
Open accountFixed Rate Bond (1 year)
Lock in a higher rate for 12 months. Ideal for money you won't need right away.
Open accountRegular Saver
Deposit £25–£500 per month and earn our best rate. Designed for consistent savers.
Open accountJunior ISA
Tax-free savings for your child, up to £9,000 per year. Locked until they turn 18.
Open accountAER (Annual Equivalent Rate) correct as of September 2026. Rates subject to change.
Benefits
Why save with Lumina
Market-leading rates updated daily
FSCS protected up to £85,000 per person
Open a new savings account in under 2 minutes
Automatic interest paid monthly directly to your account
No hidden fees or charges — ever
View and manage all savings pots in one place
Put your money to work
Open a savings account today. No fees, no fuss — just competitive interest from day one.
Open a savings account