Your introductory rate
To mark the launch of STASH, we're offering Grateful users a promotional introductory savings rate of 3.40% AER (variable) on your Grateful Easy Access Saver Account.
To put that in context*:
3.40% AER is better than Monzo's paid tier
Around 4x better than the rate offered by Lloyds and Halifax on easy access savings
Significantly higher than most major UK high street banks, many of which pay well under 1.50% AER on easy access savings accounts
This is a promotional rate - it's available to you as a Grateful user and designed to give your savings a strong start.
How the rate works
The interest rate on your STASH account is variable and tracks the Bank of England base rate. Here's what that means in practice:
Your current rate is 3.40% AER, equal to the Bank of England base rate minus 0.40%
If the base rate changes, your new rate will apply within 24 hours
AER stands for Annual Equivalent Rate - it shows what you could earn over a full year, making it easy to compare savings accounts
If the promotional rate is ever reduced, Grateful will give you at least 14 days' notice before the change takes effect. Following any change, the rate will be equal to the base rate minus up to 1.15%.
Easy access - your money, when you need it
STASH is an easy access savings account. You're not locking your money away - you can access it when you need it, while still earning interest on what you've saved.
How to get started
Open the Grateful app
Go to the STASH section
Set up your account in minutes
Your savings will start earning interest automatically
That's it. No manual transfers, no extra steps - STASH handles the saving for you straight from your tips.
Important information
The current interest rate on this account is 3.40% AER and is variable. AER stands for Annual Equivalent Rate and allows you to see what you could earn over the full course of a year. The interest rate on your account is based on the Bank of England base rate. You receive a promotional variable rate currently equivalent to 3.40% AER, which is equal to the Bank of England base rate (gross) minus 0.40%. This promotional rate may be varied by Sync in line with the account terms and conditions. We will provide at least 14 days' notice before reducing the promotional interest rate. Following any such change, the interest rate will be equal to the base rate (gross) minus up to 1.15%. The rate on your Grateful Easy Access Saver Account is variable and tracks the Bank of England base rate. If the base rate changes, the new interest rate on your account will apply within 24 hours.
* As of 26/02/2026, (Monzo Plus': 3.25%AER (variable) , Lloyds' Easy Saver: 0.75% AER on balances less than £25,000 and up to 1.00% AER Halifax' Everyday Save: 0.75% AER on balances less than £25,000 and up to 1.00% AER).