The best UK savings rates this week

Easy access accounts

Chase stays at the top of our easy access savings chart with its Chase Saver With Boosted Rate paying 5.00% AER monthly, but it’s worth noting that this includes a hefty 2.25% AER bonus for 12 months. This account, which is only available on mobile app to new customers, doesn’t ask for a minimum opening deposit and allows savers to make further deposits without restriction. While there are no limits on the number of withdrawals savers can make from the account, the maximum external transfer limit is £25,000 per day.

After lowering its rate, Atom Bank’s Instant Saver Reward now pays a lower 4.60% AER monthly to sit alongside Snoop on our charts. While savers can add to their account as often as they choose, they should think carefully before making any withdrawals as a lower rate of 2.50% AER applies in any month a withdrawal is made. Also available via mobile app, this account doesn’t set a minimum deposit requirement. Note that all deposits and withdrawals must be made via a nominated account.

Another app-only account, the Snoop Easy Access Savings Account (Issue 1), pays 4.60% AER daily. Snoop asks for a minimum deposit of just £1 to open this account and allows savers to make further deposits and withdrawals without restriction or penalty. Because this account is operated by Vanquis Bank, it’s worth checking your savings would still qualify for protection under the Financial Services Compensation Scheme (FSCS) should you open this account.

Elsewhere, three providers offer the next best rate of 4.55% AER. The cahoot Simple Saver (Issue 10) pays this rate monthly or on anniversary on deposits between £1 and £500,000. Savers can open this account, which allows further deposits and withdrawals without restriction, online and manage it online or via phone. Note that this account reverts to a cahoot Savings Account after 12 months.

Principality BS also pays 4.55% AER on its Online Bonus Triple Access (Issue 7), but this includes a 1.80% AER bonus for the first 12 months. This online-only account pays interest yearly on a minimum deposit of £1 and allows savers to add to their savings as often as they choose. However, savers can only make up to three withdrawals (including account closure) in a single calendar year. All deposits and withdrawals must be made via a nominated account.

Finally, the Four Access Saver (Issue 3) from West Brom BS pays 4.55% AER monthly or yearly on a minimum of £1. Savers can open and manage this account online and make further deposits without restriction, but a lower rate of 1.90% AER applies if more than four withdrawals are made per year. This account matures into a Direct Limited Access Saver account on 30 September 2026.

Fixed rate bonds

Castle Community Bank’s online-only Fixed Rate Savings continues to pay 4.59% AER on maturity to lead our one-year fixed rate bond chart. Savers need to be a member of Castle Community Bank Credit Union and deposit a minimum of £1,000 to open this account. Note that savers can’t continue to add to their savings after making their initial opening deposit.

After launching a range of fixed savings accounts this week, DF Capital now pays the market-leading rate on two- and three-year bonds, with its 2 Year Fixed Rate Deposit (Issue 15) paying 4.44% AER and its 3 Year Fixed Rate Deposit (Issue 10) paying 4.43% AER. Its 5 Year Fixed Rate Deposit (Issue 3) also pays the joint market-leading rate on five-year bonds at 4.47% AER alongside Birmingham Bank. Savers can open these DF Capital accounts online by depositing £1,000 or more, and they can choose to make any additional deposits for 14 further days after opening (via a nominated account). Once open, savers can manage their account online or via phone. Note that interest on all these accounts is paid on maturity.

Sharing the top of our five-year bonds chart is Birmingham Bank’s 5 Year Fixed Rate Bond - Issue 22, which continues to pay 4.47% AER on anniversary. Available online, this account requires a larger minimum deposit of £5,000 and allows savers to make any further deposits for 14 days after opening (via a nominated account).

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

There’s no change in the top notice savings accounts this week. RCI Bank UK continues to offer the leading rate on accounts with notice periods up to 30 days, with its RCI Bank E-Volve Savings 14 Day Notice Account paying 4.30% AER monthly or on anniversary. Savers can open this account online by depositing a minimum of £100 and subsequently manage it online or via mobile app. Further deposits are allowed without restriction but, because earlier access isn’t permitted, savers will need to wait 14 days before receiving their withdrawals. These transactions must be made via a nominated account. As an additional point of interest, this account is a “green” product which means your deposits will be used to finance electric vehicles, charging points and green transport projects.

Oxbury Bank still offers higher rates for savers who are willing to wait 60 or 90 days before receiving their money. Its 60 Day Notice Base Rate Tracker (Issue 1) pays 4.51% AER monthly to top our up to 60 days’ notice chart, while its 90 Day Notice Base Rate Tracker (Issue 8) pays a higher 4.55% AER monthly. These accounts ask for a minimum deposit of £1,000 and are available online. Once open, savers can also manage their account via mobile app, but bear in mind the Oxbury App is also required to use online banking. These accounts allow savers to make further deposits without restriction, but don’t permit access before the end of the specified notice period. All deposits and withdrawals must be made via a nominated account.