Best UK savings rates (July 2026)
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Quick answer: Top easy-access savings pay around 4.5–4.9% AER in July 2026 after Bank Rate held at 4.25% in June; one-year fixes near 4.7–4.9% AER. Rates change weekly — use FSCS-protected accounts, check bonus-rate expiry dates, and shelter tax-free cash in ISAs if you have not used your £20,000 allowance.
Savings rates moved with Bank Rate but vary sharply by provider. This hub summarises the product types and what to check — not a personal recommendation. Confirm live rates on the provider site before you open an account.
Last reviewed:
Read the full savings & ISAs guide →Personal Savings Allowance →Primary source: www.bankofengland.co.uk/boe-rate-database
Easy access vs fixed
Easy access suits emergency funds. Fixes lock money for the term — early withdrawal penalties apply. Ladder fixes across 1, 2 and 3 years if you have a large lump sum.
Bonus rate traps
Headline rates often include temporary bonuses expiring after 12 months. Diarise the end date and switch when the rate drops.