Keep track of the rate on every account
UK savings rates move constantly, and the account paying well when you opened it is often not the one paying well a year later. Oinkly keeps the rate on each of your accounts alongside its balance, so a quiet cut or an expiring bonus does not go unnoticed.
How rate tracking works
You record the rate when you add an account, and update it whenever your provider writes to tell you it has changed. Oinkly keeps the history, so you can see what an account has paid over time rather than only what it pays today. Introductory bonus rates can be recorded with the date they fall away, and fixed-rate bonds with their maturity date.
Because Oinkly holds balances too, a rate change is shown in money rather than percentage points — the difference between 4.5% and 3.8% on a particular balance, over a year, in pounds. That is usually the number that decides whether moving the money is worth the paperwork.
Alerts that arrive in time to be useful
Oinkly's Smart Pig alerts flag the situations that actually cost UK savers money: a bonus period ending, a fixed term maturing into a low follow-on rate, or a balance sitting in an account paying noticeably less than the rest of your money. Maturity and review dates also appear in the Oinkly calendar so they are visible weeks ahead, not on the day.
Oinkly is a tracker, not a broker. It does not move money, does not take commission from providers, and does not tell you which account to open — it tells you where your own money is losing ground so you can decide.
Frequently asked questions
Does Oinkly show live rates from every UK bank?
No. Oinkly monitors the rates on the accounts you hold, using the figures you record plus reference data on providers and banking licences. Always confirm current rates with the provider before opening or switching an account.
Will Oinkly tell me to switch accounts?
It will highlight that a rate has fallen, a bonus has ended or a bond is maturing, and show what that is worth in pounds. It does not give financial advice or recommend specific products.
What happens when a fixed-rate bond matures?
The maturity date is stored with the account, so it appears in your calendar and triggers a reminder ahead of time — which is when you still have a chance to move the money rather than let it roll over.
Related
- Account Management — Record savings accounts, current accounts, cash ISAs, fixed-rate bonds, Premium Bonds and pensions in one UK tracker, with rates, maturity dates and balance history.
- Portfolio Analytics — See how your UK savings are split across providers, tax wrappers and account types, with interest projections, net-worth history and reports you can export.
- FSCS protection monitoring
- Help: calendar and alerts
- All Oinkly features
- Try the savings interest calculator
- Back to Oinkly