This week's top savings deals explained

Last updated: 2 July 2026 at 15:35

Latest savings news: Top easy access and one-year fixed savings rates dip this week as two-, three- and five-year bond rates hold steady.

It’s a mixed bag in the savings market today, as the leading easy access account rate and the top one-year bond rate dipped marginally to pay a respective 5.00% AER and 4.90% AER following cuts. Elsewhere, the best returns on a two-, three-, and five-year fixed bond held steady after rising in recent weeks.

Interest rates have been on the incline of late, with many attractive rates available. Currently, the leading one- and five-year bonds pay the best return on a fixed bond of 4.90% AER, with the top two- and three-year bonds not far behind, offering 4.86% AER and 4.85% AER respectively.

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

Following cuts, LemFi’s Instant Access Savings Account (operated by ClearBank) jointly tops our easy access saving chart this week, continuing to pay 5.00% AER monthly (inclusive of a 1.96% AER six-month bonus). To open the account via mobile app savers must deposit a minimum of £1 and, while they can add to their pots without restriction, limits may apply on withdrawals (which must be made via a nominated account).

Also paying 5.00% AER daily on its Instant Access Savings – Standard is Revolut (for new customers only). This headline rate includes a 2.02% bonus paid until 4 December 2026 on balances between £1 and £25,000. However, balances exceeding £25,000 will incur a lower 2.90% AER. Available via mobile app to new customers who have or open an e-money or payment account, it allows unlimited, penalty free access to savers cash. Revolut also offers other easy access accounts at 5.00% AER to new customers (Plus, Premium, Metal and Ultra), however, unlike the Standard option they all charge a monthly fee. To find out more, see our chart.

Alternatively, Tembo Money’s HomeSaver still offers an attractive 4.55% AER monthly (inclusive of a 1.55% bonus for 12 months). It’s also available via app with a slightly higher minimum opening deposit of £10, after which all further access must be through a nominated account. Note that a higher rate is available on this account if savers take out a qualifying mortgage with Tembo Money, however Ts&Cs apply.

The Chase Saver With Boosted Rate occupies third place on our chart this week, paying 4.50% AER (inclusive of a 2.23% 12-month bonus available in the first 31 days of being a new Chase current account customer). Another app-only account, it doesn’t specify a minimum opening deposit. While savers can continue to add to their pots after initial funding without restriction, a daily external transfer limit of £25,000 applies on withdrawals.

Fixed rate bonds

The leading one-year fixed bond has seen a marginal drop to 4.90% AER this week, offered on the 1 Year Fixed Rate Saver from Marcus by Goldman Sachs®. Interest is paid on maturity, and to open online or via mobile app, savers must deposit a minimum of £1 into the account. Once funded, there’s the additional option to manage it over the phone. Further additions can be made for 14 days from opening via a nominated account and if savers need early access to their cash, this is on closure only subject to a 90 day loss of interest penalty if the account is closed after 90 days. However, if it’s closed within the first 90 days, the fee equals the interest accrued.

Continuing to offer the top return on a two-year fixed bond is Market Harborough BS. The building society’s Fixed Term Bond 23 (30.11.28) and Fixed Term Bond 24 (30.11.28) offer 4.86% AER (paying interest yearly and monthly respectively until 30 November 2028). Accessible online or in branch with a minimum opening deposit of £5,000, these accounts accept further contributions for 10 days from opening. As is typical for fixed bonds, early access isn’t permitted.

Also remaining in first place on our three- and five-year fixed bond charts are Afin Bank’s 3-Year Fixed Term Account (Issue 2) and 5-Year Fixed Term Account (Issue 10). Paying 4.85% AER and 4.90% AER on anniversary respectively, they’re available via mobile app with an opening deposit of £1,000 – an amount savers can add to for 14 more days via a nominated account. After initial funding, they can also be managed over the phone.

Notice accounts

There remains no change to the top returns offered on our notice savings charts this week.

RCI Bank UK maintains the top position on our up to 30-day notice chart, paying 4.00% AER monthly or on anniversary on its RCI Bank E-Volve Savings 14 Day Notice Account. Savers can open this account online with an initial deposit of £100 or more and can add to their pots afterwards without restriction. Note that withdrawals must be made via a nominated account. As early access isn’t allowed, savers will face a 14-day wait before getting their hands on the withdrawn money. This account may particularly appeal to eco-conscious savers, as all deposits will be exclusively used for financing electric vehicles, charging points and future green transportation projects.

For those willing to wait a little longer, United Trust Bank offers 4.20% AER yearly on its UTB 60 Day Notice Issue 1 to lead the up to 60-day notice sector. Accessible online with a minimum opening deposit of £5,000, savers can make further additions without restriction, but they must be via a nominated account. Any withdrawals, for which savers will need to serve the 60 day notice period before getting access to their funds, must also be made via a nominated account. Once funded, there’s the extra option of management over the phone or by post.

Alternatively, for a 90-day wait, Bank of London and The Middle East pays the leading expected profit rate of 4.37% AER quarterly on an up to 90-day notice account. Its 90 Day Notice Account (Issue 10) requires a sizeable minimum deposit of £10,000 to open online and any further contributions must be made via a nominated account.