As of 13 August 2026, AI can only partly compare UK savings accounts.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Write down the amount you want to save, when you might need it, and whether you need instant access, a fixed term or a notice account.
   2. Open the current product pages for the savings accounts you are considering and copy their rates, access rules, balance limits, eligibility conditions, bonus terms, tax status and any stated expiry information.
   3. Paste those details into the prompt, keeping the provider name and the date or source page beside each set of information.
   4. Ask the chatbot to produce the comparison table, calculations, ranking against your requirements and a list of points marked CHECK.
   5. Compare every rate, condition and date in the answer with the provider's current product page, correcting the table where the source has changed.
   6. Check the tax treatment and whether the account is suitable for your access needs, then apply directly through the provider only after resolving every CHECK item.

   Prompt

   Compare the UK savings accounts in the source information below.
   
   My requirements:
   - Amount to save: [amount in pounds]
   - When I may need the money: [date or timeframe]
   - Need instant access: [yes or no]
   - Comfortable with a fixed term: [yes or no]
   - Comfortable with a notice period: [yes or no]
   - Tax position or relevant allowance information: [only if I know it]
   - Other priorities: [for example, a regular saver, a cash ISA, a joint account or a specific provider]
   
   Source information, copied from the providers' current product pages:
   [Paste the account names, AER or other stated rates, whether the rate is fixed or variable, minimum balance, maximum balance, access rules, withdrawal limits or penalties, notice period, fixed term, eligibility conditions, bonus conditions, tax status, and any stated date or expiry date.]
   
   Create a table comparing each account on the fields above. Calculate no figures unless the necessary inputs are present, and show any calculation clearly. Do not fill gaps from memory or guess whether a rate, condition or tax rule is current. Mark missing, unclear or conflicting information as CHECK. Separate facts copied from the source from your assessment of how well each account fits my requirements.
   
   Rank the options only against my stated requirements. Explain the main trade-offs and list the exact points I must confirm on the provider's current page before applying. Do not tell me that an account is definitely best, and do not give regulated financial advice.

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.