This week's top savings deals explained

Last updated: 26 March 2026 at 11:55

Fixed bond rates soar – but savers warned this relief could be “short-lived” and not to settle for average rates.

The top one-, two-, three- and five-year bonds have all seen a sizeable uptick this week as the market responds to ongoing volatility.

However, Caitlyn Eastell, Personal Finance Analyst at Moneyfactsompare.co.uk, cautioned that we might not see the benefits of these increases for long – dubbing the continued market volatility a “double-edged sword”.

“Stubborn inflation could slam the brakes on rate cuts, or even prompt hikes which could deliver short-term boosts to savings returns. This relief is short-lived, if inflation stays elevated, it will quickly erode ‘real’ returns and chip away at the true value of savers’ cash,” Eastell commented.

“Settling for average won’t cut it, savers should be hunting down the most competitive rates,” she continued.

Currently, the top easy access account – Tembo Money’s HomeSaver – offers 4.75% AER (inclusive of a 1.75% 12-month bonus). And with the top fixed bonds increasing across the board this week, (and many other competitive hikes just below these) savers have plenty of options when it comes to securing an attractive deal.

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

While the leading easy access rates held steady this week, savers now have more choice.

Tembo Money’s HomeSaver continues to top the sector paying 4.75% AER monthly, inclusive of a 1.75% bonus for 12 months. To open via mobile app savers should deposit a minimum of £10, after which they will have unlimited penalty-free access to their money, although further contributions and withdrawals need to be made via a nominated account. Note that a higher rate is available on this account if a qualifying mortgage is taken out with Tembo Money, however, this is subject to conditions. To find out more, view our chart.

Following closely behind is Chase’s Chase Saver With Boosted Rate, still offering 4.50% AER monthly (inclusive of a 2.23% 12-month bonus) – however, this is only accessible in the first 31 days of becoming a Chase current account customer. Available via mobile app, Chase doesn’t state a minimum opening deposit. Once funded, savers can add to their pots without restriction, but a daily external transfer limit of £25,000 applies on withdrawals.

Continuing to feature as one of the providers paying 4.25% AER is Dudley BS, placing third on our easy access chart this week. Its 1 Access Bonus Saver pays an attractive flat rate of 4.25% AER on anniversary. It can be opened in branch or by post with a minimum deposit of £1,000, and allows further additions without restriction but a lower rate of 3.35% AER applies if more than one withdrawal is made a year.

Also paying 4.25% AER yearly, inclusive of a 1.00% 12-month bonus, is Mansfield BS on its Triple Access Bonus Saver (1^st Issue). Available in branch or by post with a minimum deposit of £1, savers should bear in mind that they can only make up to three withdrawals per year (including account closure).

DF Capital also continues to pay 4.25% AER monthly on its Easy Access Account (Issue 7). It can be opened online with a deposit of £1,000 or more, after which it can be additionally managed over the phone. Any further additions must be made via a nominated account.

After an increase, LHV Bank joins Dudley BS, Mansfield BS and DF Capital in paying 4.25% AER monthly. Its Easy Access doesn’t state a minimum deposit to open via mobile app – but note that all access to the account must be via an LHV Current Account.

Fixed rate bonds

This week has seen a wave of sizeable increases at the top of our fixed bond charts, with Chetwood Bank now one provider paying the best rate on a one-year fixed bond, and leading the five-year fixed bond sector. Its 1 Year Fixed Rate Savings Account and its 5 Year Fixed Rate Savings Account offer 4.45% AER and 4.55% AER, respectively. Interest is paid on maturity on the one-year account, with interest paid on anniversary on the five-year option. These online-only bonds require a minimum opening deposit of £1,000. Once funded, savers can add to their pots for 14 more days, but early access isn’t allowed (as is typical for fixed bonds).

Also paying 4.45% AER and topping our one-year fixed bond chart alongside Chetwood Bank is Union Bank of India UK Ltd. Its Union Premier Bond and Fixed Rate Deposit pay interest on maturity and ask for a minimum deposit of £1,000 to open, the former online and the latter in branch or by post. As further additions aren’t allowed, savers should consider their opening deposit carefully.

The best rates offered on a two- and a three-year fixed bond this week have seen a considerable uptick, following hikes made by Market Harborough BS. The provider’s Fixed Term Bond 08 (31.07.2028) and Fixed Term Bond 07 (31.07.2028) pay 4.65% AER until 31 July 2028 (the former monthly and the latter yearly). These two-year bonds can be opened online or in branch with a deposit of £5,000 or more – which can be added to for 10 more days. Elsewhere, Market Harborough BS’s Fixed Term Bond 10 (03.07.2029) and Fixed Term Bond 09 (03.07.2029) pay 4.75% AER until 3 July 2029 (the former monthly and the latter yearly). Otherwise, these three-year bonds have the same features as their two-year counterparts.

Notice accounts

United Trust Bank’s UTB 30 Day Notice still comes in first place on our up to 30 day notice chart alongside another provider, paying 3.90% AER yearly. Savers should bear in mind that, while the provider states a minimum deposit of £5,000 to open the account online, to secure the headline rate they will need to maintain a balance of £10,000 or more. If their account drops below this amount, a lower rate of 3.85% AER applies. Once funded, it can additionally be managed by post or over the phone, with any further transactions made via a nominated account. Savers can’t access their money early, so will need to wait 30 days before getting their hands on their withdrawn funds.

Also continuing to offer 3.90% AER and leading the up to 30-day notice sector is RCI Bank with its RCI Bank E-Volve Savings 14 Day Notice Account. It pays interest monthly or on anniversary and is available online with a minimum opening deposit of £100 (there’s the option to additionally manage the account by mobile app after this). Any further contributions should be made via a nominated account, but early access isn’t allowed so there will be a shorter 14-day wait before savers get their cash.

At the top of our up to 60-day notice chart for another consecutive week is Aldermore with its 45 Day Notice Account (Issue 7). It pays 4.05% AER monthly or on anniversary and can be opened online with a deposit of £1,000 or more. To gain access to their funds, savers will need to serve the 45-day notice period first.

Bank of London and The Middle East’s online-only 90 Day Notice Account (Issue 10) still offers the best rate on a notice account of up to 90 days. It pays 4.11% AER quarterly on a hefty minimum opening deposit of £10,000, after which any further additions should be made via a nominated account. Savers will have a 90-day wait on their hands before accessing any withdrawn money.