Yield up your savings

Get daily earnings and see your money grow at low risk.

Enjoy the flexibility of withdrawing your funds whenever you need them, without any restrictions or penalties. Your money is readily available to fulfill your financial goals, making saving and managing your finances hassle-free.


Gain interest on your balance every day, allowing you to maximize your earnings. With daily maturity, you have the flexibility to access and manage your funds according to your evolving financial needs.


Rest easy with our savings account protected by FSCS. Your deposits up to £85,000 are fully safeguarded, providing you peace of mind. We prioritize the security of your funds, ensuring your savings are safe and backed by the Financial Services Compensation Scheme.
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Unlock your aspirations with our Goal Set system.

  • Set your own saving targets each month.
  • Get rewarded with AstroPoints, each time you achieve your savings monthly goal.
  • Share your goals with your friends and achieve in AstroPoints.
UPgrade your savings

Experience higher growth AER rates based on your loyalty.

Benefit from personalized growth opportunities that align with your financial goals and preferences, unlocking the full potential of your savings.

Amplify your savings and enjoy the benefits of earning even higher interest.

Save in each purchase

Grow your savings in each purchase with our cards. Enjoy the power of saving with each purchase through our “Save in each purchase” feature. Activate it to effortlessly accumulate up to £1 in your vault, earning yield on your savings along the way.

Make your savings faster and smarter


We’ve partnered with Bondsmith, our trusted savings-account partner. Here’s how it works:

– Your money is held in Santander bank, under your name, managed by AstroPay, ensuring your yield, security, and protection.
– While your funds are in the account, they will earn interest over time.

Rest assured that we prioritize the security and growth of your money, and our partnership with Bondsmith and Santander bank ensures a reliable and rewarding experience for your savings.

Online through the AstroPay app or web only.

Any deposit or withdrawal instructions received before 11 am on a business day will be processed on the same day.
However, any instructions received after 11 am on a business day or a non-business day will be processed on the following business day.

To apply for your own product, you must follow our KYC and AML requirements, be an individual aged 18 or older and a resident of the UK.

It’s easy!
1) You need to be over 18 years old.
2)You must be a United Kingdom (UK) resident.
3)You must be a UK tax resident.

Please meet these requirements before applying for a Savings account with us. If you have any further questions or need assistance, please get in touch with our customer support team.

There´s no minimum amount to start investing your money.
However, there´s a £85,000 maximum limit.
This is to protect you as our customer under the Financial Services Compensation Scheme (FSCS) covered by all banking partners, such as Santander bank.

Your Savings account is in the “Grow” section, which you can select from the home tab.

To deposit funds into your Savings account, follow these steps:

1. Navigate to the ‘Grow’ section in the AstroPay app or web.
2. Look for either the “Deposit” or “Start saving” button and tap on it.
3. Enter the desired amount you wish to add, and the funds will be transferred from your balance to your Savings account.

Following these steps, you can effortlessly fund your Savings account and watch your savings grow.
Rest assured that we’ve designed this process to be convenient and secure, allowing you to take control of your financial future with ease.

Making a withdrawal from your Savings Account is easy and free of charge. To initiate a withdrawal, follow these simple steps:

1. Navigate to the ‘Grow’ section in the AstroPay app or web.
2. Locate and tap the ‘withdraw’ button.
3. Enter the amount you wish to withdraw, and the funds will be transferred to your balance.

We strive to ensure that your funds are transferred to your AstroPay balance almost instantly, allowing you to access and use them immediately.
However, please note that in some cases, withdrawals may take up to one business day to reach your account.
Rest assured, we continuously work to expedite this process and provide you with the best possible service.

To find the interest rate on your Savings account, head to the “Grow” section. In the Savings home, you will find the AER next to your account balance.

You will receive your interest payments daily, automatically credited to your account.

Your money will be held as a deposit and protected by the Financial Services Compensation Scheme (FSCS). This means that if Santander Financial Services were to fail, you would be guaranteed to receive back any eligible deposits you have made through AstroPay up to a maximum of £85,000.

Bondsmith holds your deposits on trust with Santander Financial Services. If the bank fails, your money may take up to three months to be returned.
An FSCS information sheet is available at any time through AstroPay and you can read more about FSCS protection on the FSCS’s website at www.fscs.org.uk or check the step-by-step of our article about this process.

AER (in our product 3.41%) is all about providing a more accurate understanding of your returns, factoring in the effects of compounding when interest is added more frequently than annually.

Gross yield (in our product 3.35%), on the other hand, gives you a straightforward view of the equivalent year rate that you would have, if you had a fixed capital and money was not re-invested every day. Meaning its the rate between your total earnings before any deductions like taxes or fees are applied, and your initial capital (with no re-investment)

When comparing different savings accounts or investment options, please focus on the AER since it provides a fair basis for evaluating and choosing the version that best suits your financial goals.
We want to make sure you have all the information you need to make informed decisions and make the most out of your savings!

You must keep your savings funds for at least an entire day (24hs) to get any reward on your deposit. Remember that AstroPay will consider any deposit for a specific date only if the money allocation was before 11 am (0 GMT).
For cases, where the money is deposited after 11 am, AstroPay will consider executing that deposit on the following day (at 11 am). The interest accrual must mature 24 hours, from the specific deposit period.

AstroPay will not deduct tax from the interest paid into your Savings account.
If you need more information on whether you must pay taxes, please go to this website.

Eventually, our provider can change this rate since the custodian bank, financial product, and other variables could change.
Check more in our Terms & conditions.

There are no fees for opening your account or using this feature.
AstroPay won’t charge any fee.

You can find the Terms and conditions in two places: on the initial screen of the Onboarding process when setting up your new Savings Account, and within the Savings settings once your account has been successfully opened.

A Savings account will help you grow your money.
It’s an account where you can put your money so it can grow in value.

If life’s essentials or bills take precedence, they should be your focus.
But if your budget allows, consider practicing the art of saving.
Start small, stay consistent, and you’ll soon be twirling towards your financial goals.
The best part, savings help you reach your financial goals and plan your future with brighter eyes.

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