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Business savings account

3.74% AER* (variable) Instant Savings account

Boost your financial stability and supercharge your business growth with the Capital on Tap Instant Savings account, powered by ClearBank.

  • 3.74% AER* (variable) interest on every pound
  • Instant access to your funds with no withdrawal penalties
  • FSCS protection up to £85,000 on eligible deposits
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Savings Deposit FSCS Protected
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Zero monthly fees

Zero monthly fees

Deposit as little as £1

Deposit as little as £1

No maximum balance restrictions

No maximum balance

Start earning interest immediately

Interest paid monthly

Already a Capital on Tap cardholder?

Unlock instant access to your new business savings account in minutes. Log in to your Capital on Tap portal and select the ‘Savings’ tab to get started.

Existing customer? Apply for savings now!

Empowering your business growth

At Capital on Tap, we understand the unique financial challenges businesses face. Our Instant Savings account is tailored to support your goals.

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Create a financial safety net

Prepare for the unexpected with a company savings account that gives you instant access to your funds, whenever you need them.

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Plan for future success

Whether you're eyeing expansion, new equipment, or other milestones, our Instant Savings account is the perfect tool to save for your big goals.

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Earn while you save

Enjoy high yield interest on your business savings, with easy access to your funds at any time. No need to sacrifice liquidity for returns.

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Capital On Tap Savings Interest Rate 3.74%

3.74% AER* (variable)

Take advantage of one of the UK’s most competitive business savings rates. Earn 3.74% AER* (variable) on your entire balance, with interest paid monthly.

Open a savings account

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Open your account in 3 easy steps

  • Apply online and get a decision in minutes
  • Connect the bank account you'd like to use for deposits and withdrawals
  • Finish setup and start earning interest today
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Security and protection

Your funds are safeguarded with FSCS protection up to £85,000 on eligible deposits, ensuring peace of mind for your business savings.

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Start saving with as little as £1

Earn 3.74% AER* (variable) on every pound – no upper limit, no tiered rates, no restrictions.

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Easy access savings account

Withdraw funds anytime, with zero fees or penalties. Your money is always at your fingertips.

Dr Maeve Kenningham From Dr K's Clinic

I used to have money sitting in another account earning 1%—if that. When the Capital on Tap Instant Savings account launched, I moved my funds immediately. Now I’m passively earning, but I still have instant access if I need to buy equipment or restock.

Dr Maeve Kenningham
Owner of Dr K’s Clinic
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No maximum balance

Grow your company savings account with no upper limit – save as much as your business needs.

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Zero monthly fees

Maximise your earnings with no monthly fees, allowing you to keep more of the interest you earn.

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Small businesses shouldn’t have to choose between easy access and high returns. Our partnership with ClearBank delivers a secure, high interest, instant access business savings account with no compromises.

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24/7 UK-based support

Escape automated phone systems and long hold times. Connect with a real human in under 10 seconds, day or night, via phone, chat, or email.

Apply now for your business savings account

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Frequently asked questions

A business savings account is a dedicated bank account that allows companies to securely store and earn interest on their surplus cash. Designed to help your business earn interest on money you don't need for day-to-day operations, it offers higher interest rates than typical current accounts. This makes it perfect for building up reserves for future plans, unexpected costs, or exciting growth opportunities. Plus, with no maximum balance restrictions and no monthly fees, it's a no-brainer for savvy business owners looking to boost their bottom line.

Opening a Capital on Tap Instant Savings account is now easier than ever, with no requirement to be an existing customer. Here's how to get started:

  • Check Your Eligibility: Ensure your business meets the account requirements, such as being UK-registered.
  • Gather Necessary Documents: Prepare your business registration details and relevant financial information.
  • Apply Online: Visit our website and complete the simple online application process.
  • Identity Verification: Complete any required identity checks to ensure the security of your account.
  • Receive Account Details: Upon approval, you'll receive your account details and can start saving immediately.

The entire process is designed to be quick and straightforward, allowing you to start earning competitive interest on your business savings as soon as possible.

An instant access account—also called an easy access or flexible account—is a type of business savings account that lets you deposit and withdraw funds whenever you need, without notice, withdrawal limits, or penalty fees. These accounts are designed for flexibility, making them ideal for managing short-term cash reserves, emergency funds, or setting aside money for unexpected expenses while earning interest.