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
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.
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.
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.
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!
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
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 personalize your LemFi Savings wallet and see how much you’ve saved and earned monthly.
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
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
Got questions?
Some of most frequently asked questions.
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:
See for yourself how easy it is to be in control of your financial life with LemFi.
