Tembo - Savings and mortgages 4+

Tembo - the award-winning money saving app designed to help you hit your goals, faster. As seen in The Guardian, Sky News, BBC & more.
Why Tembo?

Award-winning savings app trusted by thousands.
Save for your first home with our market-leading Lifetime ISA. Over 5 years, you’ll earn over £500 more in interest vs nearest competitor.
Save for a rainy day or the long term with our Cash ISA. Earn 2.7x more interest vs UK’s four biggest banks!
Save your way with an app built with you in mind. Top up or pay in monthly, track your progress, plus expert tips!
Expert mortgage advice - fee-free through our award-winning mortgage service. That’s a saving of up to £749!
Safe and secure. Your savings are FSCS-protected (Financial Services Compensation Scheme) up to £85,000. We’re also backed by investment from leading businesses including Aviva & Nationwide.
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Choose from our range of ISA savings accounts:

Cash ISA
Cash Lifetime ISA
Stocks & Shares Lifetime ISA

CASH ISA
Save up to £20,000 each tax year for whatever you want
Earn 2.7x interest vs saving with the Big 4 banks - that’s over £450 more in interest!
Withdraw funds whenever you need. No fees, no penalties.
Simple terms with no nasty surprises. Your rate won’t drop after 12 months, when you make multiple withdrawals or when your balance falls too low (unlike other providers)

LIFETIME ISAS

Boost your house deposit with a 25% government bonus of up to £1,000 each tax year. This could add up to a max bonus of £32,000.

Our market-leading Cash Lifetime ISA:

Earn the market-leading 4.60% AER (variable) interest rate on your savings
No gimmicks and no introductory rates
Earn over £500 more over 5 years vs closest competitor
See how much interest you’re earning daily, paid monthly

Our ethical Stocks and Shares Lifetime ISA:

Invest in a high-growth ESG fund, delivering 12% return over last year
Chosen for its ethical characteristics, it’s good for the planet too.
No monthly fee (unlike other providers). Instead, only pay our 0.35% platform fee and 0.17% fund provider fee.

Our ultimate mortgage package:

Fee-free mortgage advice for Tembo customers from the UK’s Best Mortgage Broker
Your own dedicated mortgage team by your side, on hand from the first call to getting your keys.
Tools to get you mortgage ready: Compare rates, get a free Mortgage in Principle & more


Ready to save smarter? Download the Tembo app today

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Rates accurate Feb 2025, subject to change.

Your home may be repossessed if you do not keep up with your mortgage payments.

Tembo Cash ISA: Based on saving £100 monthly for 5 years. Calculations show at month 61. Tembo customers saving at 4.55% would have £483.35 more vs saving with Barclays, HSBC, NatWest or Lloyds.

Tembo LISA: 25% bonus & tax-free benefits of these accounts depend on government policy & tax rules, which can change at any time. Ineligible withdrawals may return less than paid in. Market-leading defined as having the best LISA rate, excluding intro offer periods.

Tembo Stocks & Shares LISA: Capital at risk. Past performance is not a guide to future returns. You could get back less than you put in. Based on performance of Blackrock MyMap 5 Select ESG Fund, which delivered 13% return in 2021, -13.3% in 2022 and 12.3% in 2023. High growth defined as above 10%, average stock market return as measured by the S&P 500 index

Tembo, Tembo Cash ISA, Tembo Lifetime ISA, Tembo LISA are trading names of Tembo Savings Limited, which is authorised & regulated by the Financial Conduct Authority (FRN: 928010) and registered as an account information services provider (FRN: 913654). We are a private limited company registered at 18 Crucifix Lane, London, SE1 3JW, with registration number 12008146. Tembo is a registered trade mark of Tembo Savings Limited (12008146) (TM Reg No UK00003263387).