Best High-Interest Savings Accounts in the UK

Welcome to Financielle Money Deals – a monthly guide to the best deals in the UK so you can make the most of your money. 

All information correct as at 30 April 2026

Once again on 30 April 2026 the Bank of England decided to hold the base rate at 3.75% The next meeting is set for Thursday 11 June 2026.

1. Zopa

Interest Rate 7.10% (for 12 months)
No limit withdrawals
Balance after term £300 pm for 12 months = £3,737.00

2. Chase

Interest Rate 4.50% (ongoing for 12months))
No limit withdrawals
Balance after term 12 months at £10,000 = £10,450

3. Santander: Edge Saver 

Interest Rate 6.00% (ongoing for up to £4,000)
No limit withdrawals
Balance after term 12 months at £4,000 = £4,240.00

💰 Chase Boosted Saver Account – 4.50% interest for the first 12 months, then 2.25%.   Click here for more info.

💳 Santander Edge Saver – 6.00% interest (up to £4,000 for 12 months, you must have a Santander Edge Current Account) + 1% cashback on bills, groceries & travel (£3 monthly fee). Click here for more info.

💸 Santander Regular Saver – 5.00% fixed for 12 months. Save up to £200/month, earn £65.01 interest in a year. Click here for more info.

💳 Lloyds

These classic accounts still offer great interest rates:

Club Lloyds Monthly Saver 6.25%

• Save £25 – £400/month
• Withdrawals allowed, £400/month (no withdrawals) gives £150 interest in a year

Monthly Saver 5.25% interest (fixed for 12 months)

• Save £25 – £250/month, £250/month gives £78.75 interest in a year

👉 Go to Lloyds

💳 Nationwide

• Fairer Share payment will be announced in the next couple of months
• Must have a current account and a savings account/mortgage
• Must have £100 or more in during February/March
• Must have 2 x direct debits each month during February/March

For more info 👉Go to Nationwide

💳 HSBC

• Fixed Rate Cash ISA: 4.50% (up to 13 months, for current account holders)
• Regular Savings Account: 5.00% (1 year, no instant access)
• Fixed Rate Savings: 3.80% (1 year) and 4.10% (2 year) but there is no instant access

Online Bonus Saver

• Up to £50,000: 3.35% interest

👉 Go to HSBC

💳 Halifax

Regular Saver 5.50% interest (12 months)

• Save £25 – £250/month, £250/month earns £82.50 interest

👉 Go to Halifax

💳 Bank of Scotland

• Monthly Saver: 5.50% interest
• 1 Year Fixed Cash ISA: 3.70%
• 2 Year Fixed Cash ISA: 4.30%
• Advantage ISA Saver: 2.75%

👉 Go to Bank of Scotland

💳 Raisin

Not a current account, but offers competitive savings rates:

Fixed Rate Bonds (Deposit: £5,000)

• BACB 4.67% (2 year)
• KFH (Sharia Bank) 4.67% (1 year)

Easy Access (Deposit: £5,000)

• Whiteaway Laidlaw 3.95% (easy access)
• QIB UK 3.95% )easy access)

👉 Go to Raisin

🤑 Trading 212

• Earn 3.8% (tax free)

Trading 212