What are the best savings rates in 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.
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Reviewed by Kaiser Khan
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.
Primary source: bankofengland.co.uk/boe-rate-database
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