Up to 3.82% AER* (variable) Instant Savings account
Boost your financial stability and supercharge your business growth with the Capital on Tap Instant Savings account, powered by ClearBank.
Earn up to 3.82% AER* (variable) on your savings account
Instant access to your funds with no withdrawal penalties
Pay your credit balance with your savings
FSCS protection up to £120,000 on eligible deposits
Zero monthly fees
Deposit as little as £1
No maximum balance
Interest paid monthly
Capital on Tap and Sage have partnered to help UK businesses access fast funding, and make running their businesses easier and more rewarding.
Empowering your business growth
At Capital on Tap, we understand the unique financial challenges business face. Our Instant Savings account is tailored to support your goals.
Prepare for the unexpected with a company savings account that gives you instant access to your funds, whenever you need them.
Whether you're eyeing expansion, new equipment, or other milestones, our Instant Savings account is the perfect tool to save for your big goals.
Up to 3.82% AER* (variable)
Take advantage of one of the UK's most competitive business savings rates. Earn up to 3.82% AER* (variable), with interest paid monthly.
Open your account in 3 easy stps
Security and protection
Your funds are safeguarded with FSCS protection up to £120,000 on eligible deposits, ensuring peace of mind for your business savings.
Start saving with as little as £1
Open an account with as little as £1 and earn up to 3.82% AER* (variable). There's no upper limit on how much you can deposit, so your money can growth with you.
Easy access savings accout
Withdraw funds anytime, with zero fees or penalties. Your money is always at your fingertips.
Savings-to-Credit transfers
Streamline your financial operations and manage your money more effectively with direct transfers from your savings to your Capital on Business Credit Card. Pay down your credit balance in real-time to lower interest payments and enjoy the flexibility of smoother cash flow.
Zero monthly fees
Maximise your earnings with no monthly fees, allowing you to keep more of the interest you earn.
24/7 UK-based support
Escape automated phone systems and long hold times. Connect with a real human in under 10 seconds, day or night, via phone, chat, or email.
Apply now for your business savings account
*Earn up to 3.82% AER (variable). New customer Interest rates are tiered, with the top rate for balances up to £1,000,000. Each tiered rate applies to the portion within that range. New Capital on Tap customers get these promotional rates for 60 days after successful opening of account. For more information, go to our Summary Box. Based on today’s Bank of England base rate. Changes to the Bank of England base rate could mean that the rate offered when you apply is different. The Annual Equivalent Rate (AER) demonstrates what you would earn in compounded interest on savings over 12 months, as a percentage.
**Subject to eligibility.
© Copyright 2026. New Wave Capital Limited (trading as Capital on Tap) is a private limited company incorporated in England and Wales under registered number 07959823 which has its registered office at 27 Old Gloucester Street, London, England, WC1N 3AX. Capital on Tap is authorised and regulated by the Financial Conduct Authority (firm reference number 625592 in respect of consumer credit activities) and is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011, firm reference 900922, for the issuing of electronic money. Capital On Tap is a registered trade mark of New Wave Capital Limited with the United Kingdom Intellectual Property Office. All rights reserved 2025. New Wave Capital Limited (trading as Capital on Tap) is not a bank. The Capital on Tap Instant Savings Account is powered by ClearBank; customers with an Instant Savings Account are introduced to ClearBank, with their deposits held by them as a ClearBank customer. Capital on Tap does not possess the customer's savings at any time, and customers can only view and manage their savings via Capital on Tap services. ClearBank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (No. 754568).
*Earn up to 3.82% AER (variable). New customer Interest rates are tiered, with the top rate for balances up to £1,000,000. Each tiered rate applies to the portion within that range. New Capital on Tap customers get these promotional rates for 60 days after successful opening of account. For more information, go to our Summary Box. Based on today’s Bank of England base rate. Changes to the Bank of England base rate could mean that the rate offered when you apply is different. The Annual Equivalent Rate (AER) demonstrates what you would earn in compounded interest on savings over 12 months, as a percentage.
**Subject to eligibility.
