OPTIML

max yoursavings

Live savings intelligence.
Helping your money work harder.

Max InterestCompare rates
Max Interest Rates checked 27 Oct 2026
Your savings balance£10,000
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OPTIML combination | Accounts: 9Later regular-saver payments are reserved from this balance. No future income is assumed.

Progressive Building Society£200 paid now · 11 later from this balance · £1,405 total
7.00% gross12-month interest ÷ contributions 5.24%
Chase£300 paid now · 4 later from this balance · £1,500 total
6.31% gross12-month interest ÷ contributions 5.26%
Hanley Economic Building Society£300 paid now · 11 later from this balance · £1,675 total
6.30% gross12-month interest ÷ contributions 4.92%
Earl Shilton Building Society£500 paid now · 11 later from this balance · £2,206 total
6.00% gross12-month interest ÷ contributions 5.13%
Earl Shilton Building Society£500 paid now · 11 later from this balance · £2,008 total
6.00% gross12-month interest ÷ contributions 5.24%
Manchester Building Society£250 paid now · 2 later from this balance · £706 total
5.75% gross12-month interest ÷ contributions 5.30%
Vernon Building Society£250 paid now · 1 later from this balance · £500 total
5.75% gross12-month interest ÷ contributions 5.51%
Family Building Society£7,106 feeder reserve · 4 later transfers
4.35% grossEffective gross 0.80%
Charter Savings Bank£594 feeder reserve · 7 later transfers
4.25% grossEffective gross 2.24%

Estimated 12-month gross interest £588.40Before tax. Product terms and eligibility apply.

Providers
116
Savings accounts
1,442
Market updates
Live

Savings intelligence

Optiml combines live savings data with AI-powered analysis to help you discover better opportunities, plan for your goals and make more of your money.

The OPTIML difference

We look beyond the headline rate

Optiml automatically analyses the market to find the best combination of savings accounts for you, optimising returns around your balance, access needs and tax position.

Live data
  1. 016.00%AER
  2. 025.50%AER
  3. 035.37%AER
  4. 045.35%AER
  5. 055.34%AER
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YOUR NEXT MOVE

Make more of what you have.

Put live savings intelligence to work and find a better home for your money.Start optimising

OUR APPROACH

Independent and unbiased.

We assess savings products on their merits, using consistent data and a clear methodology to help you make your own decisions.

Explore our methodology

DISCOVER

Built for every kind of saver

A dachshund sitting in a moving box in a new homeSAVER PROFILEThe first-time buyerBuilding a deposit while keeping enough cash within reach.Plan a first home
SAVER PROFILEThe busy professionalShort on time and looking for a smarter way to stay on top of savings.Explore MaxInterest
SAVER PROFILEThe rate watcherReady to move when a better rate makes the change worthwhile.Set up rate alerts
SAVER PROFILEThe full-time parentBalancing everyday family costs, a safety buffer and future plans.Build a family buffer
SAVER PROFILEThe family plannerPutting something aside now for the milestones still to come.Explore saving for children
SAVER PROFILEThe later-life saverPrioritising dependable access, protection and a competitive return.Compare savings rates

Profile 1 of 6: The first-time buyer

Help & support

Frequently asked questions

Optiml brings savings rates, product research, market context and monitoring together so you can make clearer savings decisions in one place.

MaxInterest™ finds the combination of eligible savings accounts that could earn the most interest for your chosen balance and access needs.

OptimlRate™ looks beyond the headline rate by factoring tax and allowances into your savings decisions, helping you compare what you could keep after tax.

Yes. Providers never pay to come first. Every savings product is assessed using the same data and criteria, so rankings reflect the product—not commercial relationships.

We aim to include every savings provider across the market, from major banks to building societies and specialist savings providers. Coverage continues to expand as products change.

Rates are checked daily so comparisons use current, consistent information. Product terms and availability can still change, so always confirm the details with the provider before applying.

Choose the rate, extra earnings or account change that would make it worth taking action. Optiml monitors the market and emails you when your chosen condition is met.

Find out more about Optiml

Learn more