Best savings rates this week
£5,000 at 4.56% earns about £228 a year. Left at 1.50%, the same money earns about £75.
Checked 18 Oct 2026Easy access
| Provider | Rate (AER) | Catch |
|---|---|---|
| LemFi Instant Access Savings | 5.00% | Includes a bonus that ends after 6 months |
| Starling Easy Saver | 5.00% | New Starling customers only, 6-month deal, up to £25,000 |
| Zopa Limited Access pot | 4.56% | Includes a bonus for 12 months |
| Tembo HomeSaver | 4.55% | Bonus for 12 months, up to £20,000. You don't have to buy a home |
Regular savers
| Provider | Rate (AER) | Max a month | Catch |
|---|---|---|---|
| First Direct Regular Saver | 7.00% | £300 | Needs a First Direct 1st Account |
| Chase Regular Saver | 6.50% | £300 | Needs a Chase current account |
| Skipton BS Regular Saver | 5.75% | £250 | Open to anyone |
Regular savers pay less than the rate suggests, because each month's money only earns for the months it's in. See what one really pays
Current accounts that pay interest
| Provider | Rate (AER) | Catch |
|---|---|---|
| Nationwide FlexDirect | 5.00% | On up to £1,500 for the first 12 months, then 1% |
When a bonus rate ends, move the money again. Savings with UK-licensed banks are protected by the FSCS up to a limit per person per banking group; check each provider's page for its protection. What's your cash earning now?