# What are the best savings rates in July 2026?

> Quick answer · Last updated 4 July 2026

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## In short

Top easy-access accounts pay around 4.5%–4.9% AER; one-year fixes near 4.7%–4.9% AER after Bank Rate held at 4.25% in June 2026. Verify live rates, watch bonus expiry dates, and use ISAs if you exceed your Personal Savings Allowance.

FSCS protects up to £85,000 per person per banking licence.

Bonus rates often expire after 12 months — diarise switch dates.

See best savings rates and best Cash ISA rates hubs.

## Related

- [Best savings rates](https://moneyguide.org.uk/savings/best-savings-rates/)
- [Best Cash ISA rates](https://moneyguide.org.uk/savings/best-cash-isa-rates/)
- [Personal Savings Allowance](https://moneyguide.org.uk/savings/personal-savings-allowance/)

## Primary source

bankofengland.co.uk/boe-rate-database

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.