Savers are being urged to shop around as banks and building societies battle for business with some of the best rates seen in years.
Thanks to the Bank of England’s base rate holding at 5.25 per cent, many high street providers have passed on the benefits to customers in the form of more competitive savings accounts.
For the week beginning July 28, 2025, analysts from Moneyfactscompare have compiled a list of the best savings accounts with NatWest and Nationwide Building Society making the ranking.
Adam French, Head of News at Moneyfactscompare.co.uk, said: “With the latest Consumer Price Index (CPI) running at 3.60 per cent, higher than the Moneyfacts Average Savings Rate of 3.51 per cent, many savers risk the erosion of their hard-earned wealth.
“There are more than 1,000 accounts on the market paying interest above the inflation rate. With the next base rate decision just around the corner it may now be a good time to snap up some of the best deals – or risk missing out.”
Best regular savings accounts:
Here is a list of the best regular savings accounts currently on offer for the week with interest rates attached:
- Principality BS – 7.50 per cent AER / 7.36 per cent Gross
- Zopa – 7.10 per cent AER / 6.87 per cent Gross
- The Co-operative Bank – Seven per cent AER/Gross
- Nationwide BS – 6.50 per cent AER/Gross
- Melton BS – 6.50 per cent AER/Gross
- Monmouthshire BS – Six per cent AER/Gross
- West Brom BS – Six per cent AER/Gross
- Market Harborough BS – 5.80 per cent AER/Gross
- Skipton BS – 5.75 per cent AER/Gross
- Progressive BS – 5.50 per cent AER/Gross
Best fixed-rate savings accounts
Here is a list of the best savings accounts offering a one-year fixed interest rate:
- GB Bank – 4.53 per cent AER/Gross
- Conister Bank – 4.53 per cent AER/Gross
- LHV Bank – 4.50 per cent AER/Gross
- Zenith Bank (UK) Ltd – 4.47 per cent AER/Gross
- Union Bank of India (UK) Ltd – 4.47 per cent AER/Gross
- Vanquis Bank – 4.46 per cent AER/Gross
- Oxbury Bank – 4.45 per cent AER/Gross
- StreamBank – 4.41 per cent AER/Gross
- RCI Bank UK – 4.40 per cent AER/Gross
Best cash ISAs
Here is a list of the best cash ISAs with a one year fixed interest rate attached currently on offer:
- Cynergy Bank – 4.30 per cent AER/Gross
- Paragon Bank – 4.28 per cent AER / 4.27 per cent Gross
- Tembo Money – 4.27 per cent AER/Gross
- Vida Savings – 4.25 per cent AER/Gross
- Vanquis Bank – 4.25 per cent AER/Gross
- Kent Reliance – 4.22 per cent AER/Gross
- Castle Trust Bank – 4.21 per cent AER/Gross
- Charter Savings Bank – 4.21 per cent AER/Gross
- Aldermore – 4.20 per cent AER/Gross
- Hodge Bank – 4.20 per cent AER/Gross
Here is a full list of the best cash ISAs with a variable interest rate attached currently on offer:
- Plum – 4.76 per cent AER / 4.70 per cent Gross
- Moneybox – 4.65 per cent AER / 4.70 per cent Gross
- Tembo Money – 4.64 per cent AER / 4.54 per cent Gross
- Moneybox – 4.45 per cent AER / 4.55 per cent Gross
- Trading 212 – 4.50 per cent AER / 4.41 per cent Gross
- Charter Savings Bank – 4.40 per cent AER/Gross
- Principality BS – 4.40 per cent AER/Gross
- Aldermore – 4.40 per cent AER/Gross
- Kent Reliance – 4.38 per cent AER/Gross
- Vida Savings – 4.38 per cent AER / 4.29 per cent Gross
Best easy access savings accounts
Here is a full list of the best easy access savings accounts without a bonus attached:
- Cahoot – Five per cent AER/Gross
- Snoop – 4.60 per cent AER / 4.50 per cent Gross
- Atom Bank – 4.60 per cent AER / 4.51 per cent Gross
- Cahoot – 4.55 per cent AER/Gross
- West Brom BS – 4.55 per cent AER/Gross
- Coventry BS – 4.50 per cent AER/Gross
- Secure Trust Bank – 4.45 per cent AER / 4.36 per cent Gross
- Kent Reliance – 4.41 per cent AER/Gross
- Kent Reliance – 4.41 per cent AER/Gross
- Hodge Bank – 4.40 per cent AER / 4.31 per cent Gross
Here is a full list of the best easy access accounts with a bonus attached:
- Chase – Five per cent AER / 4.89 per cent Gross
- Oxbury Bank – 4.61 per cent AER / 4.52 per cent Gross
- Principality BS – 4.55 per cent AER/Gross
- Skipton BS – 4.50 per cent AER/Gross
- Cynergy Bank – 4.41 per cent AER/Gross
- Chip – 4.33 per cent AER / 4.25 per cent Gross
- Chip – 4.33 per cent AER / 4.25 per cent Gross
- Tesco Bank – 4.10 per cent AER/Gross
- Nottingham BS – 4.05 per cent AER/Gross
- Marcus by Goldman Sachs® – 4.01 per cent AER / 3.94 per cent Gross
French gave his comments and recommendations regarding the accounts that are available.
He said: “There are more than 1,000 accounts on the market paying interest above the inflation rate. Some of the best-paying fixed term accounts have improved week-on-week, including a Cynergy Bank 1 year fix cash-ISA paying 4.30 per cent.
However, GB Bank’s market leading one year fix was cut from 4.58 per cent to 4.53 per cent.
“Some of the best returns can still be found with easy access accounts, Plum’s Cash ISA, remains a market-leader despite dropping its rate from 4.98 per cent, to 4.76 per cent.
“Money management app Snoop’s easy access saver also remains an attractive offer, paying 4.60 per cent with interest credited to your account each day.”