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 February 2026:
Tembo HomeSaver: 5.75% AER (This includes a 4.55% base rate + 1.2% HomeSaver bonus interest).
1 Year Fixed ISA: 4.14% AER (Fixed for the duration of the term).
Cash Lifetime ISA (LISA): 4.2% AER (Variable). (Includes a 3.8% base rate + 0.4% bonus rate for the first year).
Cash ISA: 3.8% AER (Variable).
How our rates help you save more
We are committed to providing market-leading* value. For example, our Cash Lifetime ISA rate is currently the best in the market when you exclude short-term introductory offers. By saving with Tembo, you could save hundreds of pounds more over five years compared to our nearest competitors.
Similarly, our Cash ISA offers a significant boost compared to the "Big Four" high-street banks. In fact, you could earn up to 2.7 times more interest over a five-year period by choosing Tembo instead of a traditional bank account.**
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.
We’re here to help
If you have any questions about how interest is calculated or which product is right for your goals, our team is ready to guide you.
For the most secure experience, please message us via the app chat. You can also find us on the live chat in the bottom right corner of the Tembo website or right here in the Help Centre.
*Market-leading is defined as Tembo having the best Lifetime ISA interest rate, excluding introductory offer periods. Rates are accurate as of February 2026 but are subject to change.
**Based on saving £100 at the beginning of each month for 5 years.