This week's top savings deals explained

Last updated: 19 March 2026 at 13:30

Savers are warned about leaving cash in low-rate accounts – and, as the top easy access and fixed bond rates rose this week, now could be the time to switch.

A surprising eight million UK savers are earning 1% in interest or less on their savings – seeing them miss out on valuable returns, recent analysis from LHV Bank has revealed.

The top easy access savings accounts and leading fixed bond rates all currently sit well above 4.00%. What’s more, the leading easy access account – Tembo Money’s HomeSaver – has increased to pay an attractive 4.75% AER this week, while the top fixed bonds have benefited from increases across the board.

“Just a small, but significant, difference in rates can create a large gap over time because interest compounds each year. For many households that could mean hundreds or even thousands of pounds lost,” Kris Brewster, Interim CEO of LHV Bank, commented.

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

Maintaining its market-leading position on our easy access chart this week is Tembo Money’s HomeSaver. However, following a substantial increase, it now pays 4.75% AER monthly inclusive of a 1.75% bonus for 12 months. It can be opened via mobile app with a minimum deposit of £10, after which savers will have unlimited, penalty-free access to their money (although it should be noted that further additions must be made via a nominated account). Savers can access a higher rate of 5.75% AER on this account, but only if they open a qualifying mortgage with Tembo Money. See our chart to find out more.

Chase remains in second place, still paying 4.50% AER monthly (including a 2.23% 12-month bonus) on its Chase Saver With Boosted Rate. However, this headline rate is only available in the first 31 days of becoming a new Chase current account customer. This app-only account doesn’t specify a minimum opening deposit and, while savers can make further additions without restriction, a daily external transfer limit of £25,000 applies on withdrawals.

For another consecutive week, Dudley BS is among the providers offering the third-best easy access rate on our chart. Its 1 Access Bonus Saver offers a flat rate of 4.25% AER on anniversary and is available in branch or by post with a minimum £1,000 opening deposit. It allows savers to add to their pots without restriction, however, bear in mind that a lower rate of 3.35% AER applies from the second withdrawal per year.

Also still featuring among the providers offering 4.25% AER (including a 1.00% bonus for 12 months) this week is Mansfield BS. It pays interest on its Triple Access Bonus Saver (1^st Issue) yearly and to open in branch or by post savers will need to make a deposit of £1 or more – but it should be noted that savers can only make up to three withdrawals per year, which includes account closure.

Following a rate increase, DF Capital’s Easy Access Account (Issue 7) joins Dudley BS and Mansfield BS in third place, also offering a flat rate of 4.25% AER monthly. Available online with a minimum opening deposit of £1,000, savers can subsequently manage the account online or by phone. Any further contributions must be made via a nominated account.

Fixed rate bonds

There’s been an increase at the top of our one-year bond chart after MBNA raised the rate on its Fixed Saver 1 Year to pay 4.36% AER. This account can be opened online with a minimum deposit of £1,000, and must be managed over the phone after this. Savers have an extra 14 days from account opening to make further additions via a nominated account, but early access isn’t allowed – as is typical for fixed bonds.

The leading two-year bond rate has also seen an uptick this week, and now comes from two providers. One of these is OakNorth Bank, offering an increased 4.33% on its two-year Fixed Term Savings Account. Interest is paid on maturity and the account requires a minimum deposit of £1 to open online or via mobile app – after which further contributions can be made for 14 days via a nominated account.

Tandem Bank also recently made an increase to pay 4.33% AER on anniversary on its 2 Year Fixed Saver. This app-only bond can be opened on a £1 deposit or more and additionally allows savers 14 more days to add to their accounts. It may appeal in particular to eco-conscious savers as by opening an account, you are supporting Tandem Bank’s green lending initiatives.

Following an increase, RCI Bank leads our three-year bond chart offering 4.35% AER on its Raisin UK – 3 Year Fixed Term Deposit. Interest is paid on maturity and to open this account online or by mobile app via the Raisin UK savings platform, savers will need to deposit a minimum of £1,000. Further additions aren’t allowed.

RCI Bank UK also offers a direct account at 4.35% AER, joining its Raisin UK counterpart in first place. Its 3 Year Fixed Term Savings Account can be opened online with a minimum deposit of £1,000, and accepts further additions for 14 more days from opening. Interest is paid monthly or on anniversary.

Leading our five-year bond chart after an increase is Chetwood Bank’s 5 Year Fixed Rate Savings Account, paying 4.40% AER on anniversary. Available online with an opening deposit of £1,000 or more, savers can add to their pots for 14 extra days.

Notice accounts

The UTB 30 Day Notice from United Trust Bank continues to top our up to 30-day notice chart this week, sharing the position with one other provider. This account offers 3.90% AER yearly on a minimum – however, to achieve this rate savers must upkeep a balance of £10,000 or more (despite being able to open the account on a minimum deposit of £5,000). If the balance strays below £10,000, a considerably smaller 3.85% AER applies. Note that any further additions must be made via a nominated account and, as savers can’t access their money early, they will need to wait 30 days before accessing the withdrawn funds (also via a nominated account).

RCI Bank UK’s RCI Bank E-Volve Savings 14 Day Notice Account also continues to pay 3.90% AER monthly or on anniversary. It can be opened online with a lower £100 minimum deposit, after which it can additionally be managed via mobile app. If savers want to make further contributions this must be done via a nominated account, as must withdrawals. To withdraw their money savers will have to serve the 14-day notice period before doing so. Those who are eco-conscious may be interested to know that all funds deposited will be exclusively used for the purpose of financing electric vehicles, charging points and future green transportation projects.

At the top of our up to 60-day notice chart is Aldermore’s 45 Day Notice Account (Issue 7), still offering 4.05% AER monthly or on anniversary. It requires a minimum deposit of £1,000 to open online and, to get access to their cash, savers must wait 45 days.

Remaining in first place on our up to 90-day notice chart for another week is Bank of London and The Middle East’s 90 Day Notice Account (Issue 10), paying an expected profit rate of 4.11% AER quarterly. A sizeable £10,000 minimum deposit is needed to open this online-only account, with any further additions to be made via a nominated account. There is a 90-day wait for savers before they can get their hands on their withdrawn money.