Instant Access Savings Account
Send More Home by Earning More
- Earn interest before your next transfer
- Earn a boosted 5.00% AER on savings for 6 months, and then 3.04% tracker. T&Cs apply.¹
- Deposit & withdraw anytime. No penalties
Grow Your Savings
For rainy days, big plans, and things that matter.
Instant Access Savings Account
Save at your own pace directly from your wallet and earn up to 5.00% AER (4.89% Gross) on your savings.
Deposit as little as £1
Every pound counts. Start building your future with just £1, and enjoy the freedom to save and grow at your own pace.
Withdraw Anytime
Enjoy full access to your savings. Withdraw your money whenever you want with no penalties or fees.
Join 1 million+ satisfied customers already using LemFi and start growing your money on your terms. Save, withdraw anytime, and still earn interest on your balance.
Ready to save?
Here’s how it works!
Rate shown for illustrative purposes only.
Step 1
Open the LemFi App
Find the Savings feature in the Services section of your LemFi app dashboard.
Step 2
Create your Savings Pot
No long forms or waiting periods, just instant access to high-yield savings.
Step 3
Add Money
Fund your savings from your GBP balance or directly from your bank account. Start earning interest from just £1.
Why save with LemFi?
Our savings account offers a highly competitive interest rate with no strings attached – withdraw whenever you need.
Track Your Progress
Create and personalise your LemFi Savings wallet and see how much you’ve saved and earned monthly.
Every Pound counts
Your savings account allows you to save as little as £1 and as much as £250,000. The higher the savings, the greater the interest.
Earn interest daily, get paid monthly
Your interest is calculated daily and paid monthly, so you can watch your savings grow in real time.
All your money needs in one app
Send money home, grow your savings, and manage everything from one secure app. No need to switch between apps
Covered by FSCS
Eligible deposits held in the LemFi Instant Access Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (FSCS) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other products/services with ClearBank, these will be aggregated. To find out more and to check your eligibility please visit fscs.org.uk/about-us/
Got questions?
Some of most frequently asked questions.
What is the LemFi Instant Access Savings Account?
LemFi Instant Access Savings Account is currently available exclusively in the United Kingdom in GBP for personal accounts to all customers, whether new or existing, without any fees for opening or managing these accounts. Please note that LemFi does not offer joint accounts at this time. If you are a new customer, you will need to provide sufficient personal information, including your name, address, date of birth, and a valid identity document.
Getting Started with Saving
Eligibility criteria for opening a LemFi Savings Account
Are there any minimum or maximum deposit amounts?