Savings round up - 10th August
10/08/2026
Fixed rates have hit 5% with Investec paying this for 3 Year and Atom Bank and Close Brothers for 5 Years. 1 and 2 Year Fixed rate best buys have held up too so there's some very attractive rates being paid, given the Base Rate remains at 3.75% and isn't expected to breach 4% this year. Easy access rates have eased back a touch but there's 4.52% from Cahoot (part of Santander) with no restrictions. Rates continue to look frothy, given Base Rate and the expectations for rates, but we've shared this view for sometime and rates continue to hold up. Until the situation in the Middle East is resolved it is difficult to see things changing significantly from here - which is bad news for oil prices but good news for savers! Here's our round up of the leading providers and rates in each category:
Cahoot move top as they increase their rate by 0.20% to 4.52%. Chase remain at 4.50% - but 2% of this is via a 12 month bonus rate also. Saga also have a 12 month bonus (1.60%) as part of their 4.50% rate. Oxbury's Summer Saver pays 4.33% but is only open to new customers. Ulster Bank's Limited Edition stays at 4.30% - this comes with a 12 month bonus of 2.75%. ThisBank (previously JN Bank) pay 4.28% on their triple access account. Cynergy Bank pay 4.23% with 2% as a 12 month bonus. Charter Savings Bank and Kent Reliance both pay a straight 4.21% on their easy access account. Yorkshire Building Society pay 4.20% but their online account is restrictred to three withdrawals per year.
The notice market remains stable with the top 10 remaining the same. GB Bank stay top with thier 150 Day Notice paying 4.38%. BLME are next - their 90 Day Notice paying 4.37%. StreamBank's 90 Day Notice pays 4.35% before a drop to Stafford Building Society's 180 Day Notice paying 4.26% - however only two withdrawals are permitted per Society year. QIB Bank pay 4.25% for 95 Days Notice via Raisin. Market Harborough Building Society are back in paying 4.25% too but for 160 Day Notice. Hampshire Trust Bank launch a 95 Day Notice Base Rate Tracker paying 4.22%. Secure Trust Bank pay 4.21% for 95 and 90 Day Notice - the 95 Day Notice being a Base Rate Tracker at 0.46% above Base. Perenna Bank pay 4.20% on 90 Day Notice via Raisin to complete the top 10.
Oxbury Bank pay a huge 4.82% for 6 Months Fixed (and 4.69% for 3 Months). isbank pay 4.50% via Meteor Savings as the move alongside Zopa Bank. GB Bank pay a whisker behind at 4.49%.
Atom Bank pay a top rate of 4.55% for 9 Months Fixed to move ahead of Union Bank of India, who offer 4.47% for 9 Months Fixed. isbank pay 4.42% via Meteor Savings and Kent Reliance pay the same rate direct.
Habib Bank AG Zurich pay a best buy 4.91% ahead of Oxbury Bank at 4.87% and Recognise Bank at 4.86% GB Bank, MBNA and Vanquis Bank are all tied at 4.85%. AlRayan Bank's 4.80% via Meteor Savings has been matched by isbank and Close Brothers. Family Building Society complete the top 10 paying 4.76%.
Union Bank of India pay a best buy 4.76% ahead of Close Brothers paying 4.70% on Hargreaves Lansdown. Tandem Bank increase to 4.60% and Skipton improve to 4.51%. Aldermore Bank via Raisin and on Hargreaves Lansdown pay 4.50%. Kent Reliance launch their first 18 Month Fixed at 4.48%.
Recognise Bank lead the way at 4.86%, narrowly ahead of GB Bank and Vanquis, who are in tandem at 4.85%. Family Building Society and Birmingham Bank are tied at 4.84% with Close Brothers a whisker behind at 4.83%. Investec pay 4.80% with Charter Savings at 4.78%, Chetwood Bank at 4.77% and Union Bank of India at 4.76%. RCI Bank are a whisker behind at 4.75%.
Investec lead the way paying 5% ahead of Family Building Society at 4.89%. Oxbury Bank and Close Brothers are tied at 4.88% while GB Bank continue to pay 4.87%. Afin Bank stay at 4.85% but Birmingham Bank move up to 4.84%. Chetwood Bank and Charter Savings are tied at 4.78%.
Aldermore Bank lead the way paying 4.61%. Oxbury Bank are next paying 4.58% with RCI Bank paying 4.40% withPerenna Bank paying 4.30% via Raisin.
Atom Bank and Close Brothers are tied at the top - both paying 5%. Family Building Society are just behind at 4.99% and GB Bank offer 4.98%. Afin Bank's previously market leading 4.96% is now only good enough for fifth spot. There's a big drop then to Chetwood Bank, who stay at 4.81%. ICICI Bank improved their rate to 4.80% on Hargreaves Lansdown's Active Savings while Skipton Bank were also on the move - up to 4.76%.