Best savings rates this week

Last updated: 9 October 2025 at 15:10

This week sees little movement in the top rates, meaning there’s still time to secure inflation-beating deals.

Savers are being urged to shop around for market-leading returns, despite falling rates on many fixed bonds between September and October.

This encouragement comes as a recent survey carried out by Moneyfacts uncovered one in four people are losing out on additional cash by neglecting to ever switch their savings accounts.

“Inflation remains a significant burden which makes it harder for savings to generate real returns. It’s crucial that savers are proactively searching for the most competitive deals, especially if they pay below 3.8%,” explained Caitlyn Eastell, Spokesperson at Moneyfactscompare.co.uk.

With the future of interest rates remaining uncertain under the pressure of growing inflation, savers concerned about rates decreasing further (and who can forgo immediate access to their funds) might still want to consider locking in the security of their rate with a fixed bond.

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

Two accounts now top our easy access savings chart after the previous week’s market-leading rate was reduced.

The Chase Saver With Boosted Rate continues to pay 4.50% AER monthly in its new position, inclusive of a 1.94% 12-month bonus. There is no minimum deposit needed to open this app-only account and, while withdrawals are permitted, there’s a £25,000 daily external transfer limit.

Joining Chase in first place is Ulster Bank’s Limited Edition Saver Account – Issue 1, also paying 4.50% AER monthly. This includes a 2.72% bonus for 12-months and, while the account can be opened on any amount, savers must maintain a balance of £5,000 to access this headline rate. On amounts below this the rate drops to a much lower 1.06% AER. It can be opened online or by mobile app, with the additional option to manage in-branch or over the phone. Additionally, withdrawals are restriction-free, meaning savers can dip into their pot when needed. However, it should be noted that this account reverts into an Easy Access Savings account after 12 months.

Offering the second-best rate on our chart is the Sidekick Multi Shield, paying 4.48% AER monthly including a 1.00% six-month bonus. Savers can open and manage this account via mobile app with a minimum deposit of £10,000 but the headline rate only applies to balances of up to £85,000. On balances above this, the rate dips to 3.48% AER. This account may appeal to those wanting to put away larger sums because, as Sidekick spreads your money across its regulated partner banks, it protects amounts up to £255,000 under the Financial Compensation Scheme (FSCS). While savers are permitted to withdraw from their pot, these funds will only be available on the next working day.

Alternatively, for those looking for an account not reinforced by a bonus rate, Snoop offers 4.35% AER daily on its Snoop Easy Access Savings Account (Issue 2). Available by mobile app only, it can be opened with a minimum deposit of £1. Furthermore, unrestricted access to your funds is allowed but all transactions must be made via a nominated account.

Fixed rate bonds

This week three accounts share pole position on our one-year fixed bond chart.

FirstBank UK’s Flagstone – 1 Year Fixed Term Deposit pays 4.45% AER on maturity and can be opened and managed online via the Flagstone savings platform. This requires a sizeable deposit of £10,000 which savers won’t be able to add to after opening. As is typical for fixed bonds, it doesn’t allow for early access.

Meanwhile, FirstSave continues to pay 4.45% AER on maturity or monthly on its First Save 1 Year Fixed Rate Bond. Savers can open this account online, with the extra option to manage via post or over the phone. A smaller £1,000 minimum deposit is asked for with no option for further payments.

Alternatively, after increasing its rate this week, LHV Bank also pays 4.45% AER on maturity on its 1 Year Fixed Rate Bond. This app-only account requires an opening deposit of £1,000 or higher and, like the other accounts, doesn’t allow additions beyond this.

JN Bank retains the leading spot on our two-year chart this week with its Fixed Term Savings Account paying 4.43% AER on anniversary. The account can be opened online with the additional choice to manage over the phone. A £100 minimum deposit is needed, and it allows 11 additional payments for 14 days after opening.

At the top of our three- and five-year charts is DF Capital. Its 3 Year Fixed Rate Deposit (Issue 11) pays 4.47% AER, while its 5 Year Fixed Rate Deposit (Issue 4) pays 4.54% AER, both on maturity or anniversary. They can be opened online with a minimum deposit of £1,000 and also managed over the phone. DF Capital also allows further additions for 14 days.

Notice accounts

The RCI Bank E-Volve Savings 14 Day Notice Account continues to offer the best rate for an up to 30 Day notice account this week, paying 4.15% AER on anniversary or monthly on minimum deposits of £100. This account from RCI Bank UK can be opened and managed online with the further option to manage via mobile app. It also allows savers to make further contributions to their opening amount via a nominated account without restriction. With earlier access not permitted, savers must wait 14-days when making a withdrawal. Those who are eco-conscious may appreciate that funds deposited into this account will be used to finance electric vehicles, charging points and future green transportation projects.

The highest-paying account with a notice period of up to 60 days continues to be provided by Oxbury Bank with its Personal 60 Day Notice Tracker Premium 1 offering 4.46% AER monthly. Available online, with a further option to manage via mobile app, Oxbury Bank requests a minimum deposit of £10,000 or more. It should be noted that the Oxbury app is required to access online banking. All deposits and withdrawals need to be made via a nominated account but, as early access isn’t allowed, the 60-day notice period must be served when accessing your cash.

GB Bank continues to top our up to 90-day notice chart with its Prosper – 65 Day Notice Account 2 paying an increased rate of 4.70% AER this week. This app-only account is available via the Prosper savings platform and pays interest daily on minimum opening deposits of £10,000. As with the other accounts leading our charts, earlier access isn’t allowed before the end of the notice period, so savers need to wait the full 65 days to receive their funds.