Our current savings rates:
Whether you are just starting your savings journey or looking for a fixed return, here are our current rates as of April 2026:
Tembo HomeSaver: 5.75% AER (This includes a 3.00% AER variable base rate + a 12-month introductory rate of 1.75% AER + a 1% HomeSaver bonus interest when taking a Tembo Mortgage. T&Cs apply).
1 Year Fixed ISA: 4.40% AER (Fixed for the duration of the term).
Cash Lifetime ISA (LISA): 4.30% AER (Variable).
(Includes a 3.8% base rate + 0.50% bonus rate for the first year).Cash ISA: we've got two different rates to cater to your needs:
New contributions only, no transfers in available:
4.30% AER (variable) (2.8% variable base rate + 1.50% fixed 12-month introductory rate). No transfers in.
Transfers accepted:
4.06% AER (variable) with no introductory bonus. Transfers in available.
Checking your specific rate
While the rates listed above are our standard current offers, the rate applied to your specific account might be different.
Your rate might be different if you benefited from a promotional or introductory rate when you first opened your account. You can always check your current active rate directly within the "Accounts" section of the Tembo app.
Important things to know
Variable rates: "Variable" means the interest rate can go up or down in the future. We will always let you know if there is a change that affects your savings.
AER explained: AER stands for Annual Equivalent Rate. It shows what the interest rate would be if interest was paid and compounded each year, making it easier for you to compare different accounts.
Tax status: The tax treatment of these products depends on your individual circumstances and may change in the future.