The best UK savings rates this week

Last updated: 18 September 2025 at 16:00

Leading savings rates continue to offer inflation-beating returns.

Although many of the top savings rates stayed the same this week, there were a few changes as providers amended their product range. For example, the leading one-year fixed rate dropped to 4.45% AER after an account withdrawal while the leading 60- and 90-day notice savings rates edged higher thanks to changes from Oxbury Bank.

There are still plenty of opportunities for savers to secure an interest rate on their money that can beat inflation, with 696 savings accounts (excluding ISAs) now paying above the current inflation rate of 3.8%.

“Savers can still choose from hundreds of inflation and base rate-beating deals, but they would be wise to act quickly as this number could fluctuate because of dropping rates and unpredictable inflation,” Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk, warned.

Below is a list of accounts that currently offer the best easy access, fixed and notice savings rates. These products are all available to new customers with a £10,000 deposit. Note that higher rates may be available to existing customers or those who are willing to save more than £10,000.

You can also visit our charts to compare rates from across the whole of the savings market.

Easy access accounts

The leading easy access savings rates remained the same this week, with Chip still offering the highest rate on its Chip Instant Access Account. However, although it pays an attractive 4.80% AER monthly, this includes a sizeable 2.06% AER bonus for three months. This app-only account sets a minimum deposit requirement of just £1 and allows further deposits and withdrawals without any restrictions. Note that savers will need an open banking connection to their current account for this savings account.

Meanwhile, Chase continues to pay 4.75% AER monthly on its Chase Saver With Boosted Rate but, again, this includes a hefty bonus of 2.25% AER for the first 12 months. Savers can open and manage this account via mobile app and can add to and withdraw from their savings as often as they choose. However, while there’s no minimum deposit requirement, there is a £25,000 daily limit on withdrawals from the account to another provider.

Alternatively, savers could consider the Sidekick Multi Shield which pays 4.48% AER monthly (including a 1.00% bonus for six months). This account, which is also only available via mobile app, requires a minimum opening deposit of £10,000 and can protect up to £255,000 under the Financial Services Compensation Scheme (FSCS). This is because Sidekick keeps the money deposited in this account across a network of regulated banks, which can each offer protection on up to £85,000. However, the headline rate of 4.48% AER only applies on balances up to £85,000; a lower 3.48% AER is paid on balances above this sum. Furthermore, while there are no restrictions or penalties on deposits or withdrawals, savers will only receive any money they withdraw on the next working day.

Fixed rate bonds

After Afin Bank withdrew its market-leading account, the leading one-year fixed savings rate dipped to 4.45% AER this week. Four accounts offer this rate, including the Shari’ah-compliant Prosper – 1 Year Fixed Term Deposit from AlRayan Bank which pays this as an expected rate on maturity. Available on mobile app via the Prosper savings platform, this account requires a £1,000 minimum opening deposit and doesn’t allow any further deposits after this point.

The 1 Year Fixed Rate Savings Account from Chetwood Bank also pays 4.45% AER on maturity on a minimum opening deposit of £1,000. However, unlike the previous account, savers can continue to add to this account (which is only available online) for 14 days after opening.

Savers with a smaller deposit could consider OakNorth Bank’s Fixed Term Savings Account or Tandem Bank’s 1 Year Fixed Saver which require a minimum opening deposit of just £1. Savers can then add to these accounts for 14 days after opening. The account from OakNorth Bank pays interest on maturity and is available online or via mobile app, with savers needing to make any deposits via a nominated account. Meanwhile, savers can open the 1 Year Fixed Saver from Tandem Bank online or via mobile app, but can subsequently only manage it via app. It’s also worth noting that Tandem Bank is a ‘green’ provider that uses savings deposits to support eco-friendly initiatives.

For a longer fix, the leading two-, three- and five-year fixed rates remain unchanged and continue to come from Birmingham Bank. Its 2 Year Fixed Rate Bond - Issue 25 pays 4.44% AER while its 3 Year Fixed Rate Bond - Issue 32 offers a slightly higher 4.46% AER. Or, if savers are willing to lock away their money for five years, the provider’s 5 Year Fixed Rate Bond - Issue 27 pays an even higher 4.53% AER. All these accounts from Birmingham Bank pay interest on anniversary on a minimum deposit of £5,000. Savers can open and manage these accounts online and have the option to add to their savings (via a nominated account) for 14 days after opening.

As is the case with most fixed bonds, none of these accounts allow savers to access their money before the end of the term.

Notice accounts

The RCI Bank E-Volve Savings 14 Day Notice Account continues to offer the leading rate on accounts with a notice period of up to 30 days. RCI Bank UK pays 4.15% AER monthly or on anniversary on this account, which requires savers to wait 14 days before receiving any money they withdraw. Savers can open the account online by depositing £100 or more and can subsequently manage it online or via mobile app. Note that further deposits and withdrawals require savers to use a nominated account. As a ‘green’ product, RCI Bank UK will use any funds deposited in this account to finance a range of environmentally friendly projects.

Oxbury Bank launched a new Personal 60 Day Notice Tracker Premium 1 last week, which now leads our up to 60-day notice chart with 4.46% AER. The same provider also offers the top rate on accounts with a notice period of up to 90 days, with its Personal 90 Day Notice Tracker Premium 2 paying 4.51% AER after it raised rates. These accounts pay interest monthly on a sizeable minimum opening deposit of £10,000 and allow further deposits via a nominated account. However, as earlier access isn’t permitted, savers will need to wait 60 or 90 days before receiving any withdrawals (which must also be made via a nominated account). Savers can open these accounts online and manage them online or on the mobile app, but should note the app is required to access online banking.