Flexible savings account


Smart savings, steady earnings

  • Build your savings with LemFi’s Flexible Saver
  • Earn up to 3.92% AER on your savings
  • Withdraw your money at any time. No penalties

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LemFi mobile app home page, send money page and visa card

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fscs

Fscs Protected: Rest easy! Your money with LemFi is covered up to £85,000 by the UK's Financial Services Compensation Scheme (FSCS)

See how you’re protected

Grow Your Savings.

For rainy days, big plans, and things that matter.

  • Flexible High-Yield Savings

    Save at your own pace directly from your wallet and earn up to 3.92% AER.Flexible High-Yield Savings
  • Withdraw Anytime

    Enjoy full access to your savings. Withdraw your money whenever you want with no penalties or fees. It's your savings for a reason.Withdraw Anytime
  • Trusted and Secured

    Your savings are held with ClearBank, a UK-regulated bank, and protected by the FSCS, meaning your money is covered up to £85,000. We only work with trusted institutions to keep your funds safe.Trusted and Secured

Join 1 million+ satisfied customers and start growing your money on your terms. Save, withdraw anytime, and still earn interest.

Ready to save?

Here’s how it works!

savings phone mockup

Step 1

Open the LemFi App

Find the Savings feature in the Services section of your LemFi app dashboard.

Step 2

Name Your Goal

Keep it personal, and name your savings after your dream, milestone, or anything else that keeps you motivated.

Step 3

Add Money

Fund your savings account with any amount directly from your GBP wallet.

Earn interest daily, get paid monthly

Quick note: This is a general example, assuming you don’t add or take out any money throughout the year and there are no changes to the interest rate during the 12 months.

3.92% AER (Tracker Rate)

If you deposit

You could earn

+£0.00

interest coin

Why save with LemFi?

Our savings account offers a highly competitive interest rate with no strings attached – withdraw whenever you need.

Track Your Progress

Track Your Progress

Create and personalize your LemFi Savings wallet and see how much you’ve saved and earned monthly.

No cap on your savings.

No cap on your savings.

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

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

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

Vous avez des questions ?

Questions fréquemment posées.

What is the LemFi Flexible Savings account (Powered by ClearBank)

The LemFi Flexible Savings account is an instant-access savings account available exclusively in the United Kingdom with no fees, paying 3.92% AER (tracker rate)* on deposits. Your eligible deposits are protected by the FSCS up to a total of £85,000 across all ClearBank-powered accounts you hold, even through other services. Read more “Read more FSCS protection information.

Getting Started with Savings

Eligibility criteria for opening a LemFi Savings Account

Are there any minimum or maximum deposit amounts?

What is a tracker rate?

How does a tracker rate work?

Tracker rate vs Variable rate - what's the difference?

Why choose a tracker rate? With a tracker rate, you benefit from: