Best Interest Rates on UK Savings Accounts (August 2025)

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1. Easy-Access Savings

Chase Saver – Up to 5.00% AER, often with a 12-month bonus for new customers  .

Chip, Cahoot, and West Brom also offer competitive easy-access rates around 4.84% to 4.55% AER  .

2. Notice Accounts

Stafford Building Society (180-day notice) pays around 4.61% AER  .

Plum (95-day notice) offers about 4.58% AER  .

3. Fixed-Rate Bonds (1–2 years)

Atom Bank delivers around 4.42% AER on a one-year fixed term  .

Other solid options top out around 4.46% AER for a two-year fixed bond  .

4. Regular Savings Accounts (fixed monthly deposits)

Principality Building Society: Regular saver paying as much as 7.5% AER  .

Zopa ‘Biscuit’ current account: Offers 7.1% variable AER on up to £300/month, with flexibility to skip months or withdraw without penalty  .

Other good options include First Direct (7% fixed, strict terms), Co-operative Bank (7% variable), Virgin Money (6.5% fixed), and Nationwide (6.5% variable)  .

Quick Tips

Always check the fine print: Bonus periods, withdrawal caps, tiered rates, and minimum/maximum deposit limits can affect your real return.

Mind the Bank of England base rate: It’s currently at 4.00%, so many high-rate accounts still outperform inflation—especially easy-access and fixed bonds.

Safety first: Most accounts are FSCS-protected up to £85,000 per institution, keeping your savings secure.

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