OPTIML

Smarter savings. More from your money.

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.

Max InterestView rates
Rate6.00% AER
Number of accounts1
FSCS protectedYes
Savings balance£10,000
Live market intelligence
  • Bank RateLoading…Fetching latest reading
  • UK CPILoading…Fetching latest reading
  • Products tracked1,442Retail deposits API
  • Providers tracked116Retail deposits API

How much would you liketo optimise?

Find out more about how Optiml works

A smarter way to save

Every provider, not just a shortlist.

We aim to include every savings provider across the market. Currently, we have over 1,400 products live on our platform.

Compare rates
OPTIMLWhole-of-market rates

Leading rates

View all

Santander

Edge saver Issue 5

Easy accessVariable
6.00%AERvariable

Leeds BS

Shared Ownership Saver

Easy accessVariable
5.50%AERvariable

cahoot

Sunny Day Saver Issue 6

Easy accessVariable
5.00%AERvariable

Stafford Railway BS

Access-One Saver Issue 2

Easy accessVariable
4.60%AERvariable

AER shows what the interest rate would be if interest were paid and compounded once each year.

A smarter way to save

OPTIML brings live savings data, independent research and alerts together, so you can make confident decisions without constantly checking the market.

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Built for every kind of saver

Explore savings accounts for buying a home, building an emergency fund, planning a major purchase and saving for the future.

A parent and child unpacking boxes in their new homeBuying your first homeLISAs and savings for your deposit.A hiker looking across the landscape above the cloudsBuilding an emergency fundAccessible savings for the unexpected.A sailing boat on open waterPlanning a major purchaseMatch your account to your timeframe.A parent and child fishing together by a lakeSaving for your familyAccounts for children and family goals.A man relaxing in a hammock beside the seaPreparing for later lifeCash options for the years ahead.
Saving for a weddingA future saving goal.
Planning a holidayA future saving goal.
Education costsA future saving goal.

Live monitoring

Tell us what is worth moving for

Set the condition once. OPTIML will watch the savings market and email you when it happens.

We will watch easy access5.00% AER

Get an email when an eligible rate reaches your target.

Sign in or create an account to verify your email and manage alerts.

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

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