From cash savings to long-term investment portfolios, MG Capital offers straightforward, competitive options designed to help your money work harder.
Keep your cash working with competitive rates and easy access to your money whenever you need it.
If you have a lump sum you don't need immediate access to, a fixed-rate bond can give you a higher rate of interest than easy access accounts. You agree to leave your money for a set period in exchange for a guaranteed return.
MG Capital offers fixed-rate bonds from 1 to 3 years, all protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).
| Term | Interest Rate (AER) | Min. Deposit |
|---|---|---|
| 1 Year | 4.65% | £1,000 |
| 2 Years | 4.85% | £1,000 |
| 3 Years | 5.10% | £1,000 |
Rates correct as of July 2026. Subject to change. FSCS protected.
Life is unpredictable. Our Easy Access Savings Account gives you the freedom to deposit and withdraw money whenever you need it, without penalties — while still earning a competitive variable interest rate.
Many people use easy access savings for their emergency fund (typically 3–6 months of expenses), alongside longer-term savings and investments.
Current rate: 3.85% AER (variable)
For those who want to put their money to work over the longer term, our investment accounts offer access to a broad range of funds and asset classes.
Cash savings are an essential safety net, but historically, investing in the stock market has delivered significantly higher returns over the long term. While investments can fall as well as rise, a diversified portfolio managed by experienced professionals gives you a strong foundation for growing real wealth.
Even modest monthly contributions, invested consistently over time, can grow substantially through the power of compounding. The sooner you start, the more time your money has to grow.
Explore our fund rangeHistorically outperforms cash over 10+ year periods.
Keep your wealth's purchasing power over time.
Spread risk across geographies, sectors and asset classes.
Returns on returns — the engine of long-term wealth building.
A common approach is to keep 3–6 months of essential expenses in easy access savings as an emergency fund, then invest anything beyond that for the long term. The right balance depends on your job security, financial obligations, and appetite for risk.
Cash savings held with MG Capital are protected up to £85,000 per person by the Financial Services Compensation Scheme (FSCS). Investment products are not FSCS-guaranteed as their value can go down as well as up, but we are authorised and regulated by the Financial Conduct Authority.
Absolutely. Our range includes ready-made portfolios managed by our investment team — you choose your risk level and we do the rest. If you'd prefer a more hands-on approach, our SIPP and general investment account give you access to the full fund range with guidance from our advisers.
You can start investing with MG Capital from as little as £25 per month, or a lump sum of £500. There's no upper limit on how much you can invest in a General Investment Account (though ISA and pension limits apply).
Open an ISA today and start growing your money free from tax.
For illustrative purposes only. Not financial advice.