Savings Finder UK
Top Savings Rates from Selected UK Providers
Rates from a selected panel of UK banks and savings platforms — not a whole-of-market comparison
The Savings Finder compares UK savings account types by rate — easy access, fixed bonds, Cash ISAs, regular savers, notice accounts and Premium Bonds. Answer five questions about your goal, timeframe and tax situation to see which categories match.
Important: BritSavvy monitors a selected panel of UK banks and savings platforms — this is not a whole-of-market comparison. We display up to the top three rates we currently monitor in each category. Rates can change at any time, so please verify them with the provider before applying.
Rates last updated: 27 Aug 2026 · Products ordered by AER within each category · No commercial relationships affect rankings · For information only, not financial advice
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Question 1 of 5
How old are you?
This Savings Finder covers adult savings accounts. For children's accounts, see our .
Question 2 of 5
What are you saving for?
This helps us match you to the most suitable account type.
Question 3 of 5
How much are you looking to save?
Some accounts have minimum or maximum deposit limits. This helps us filter appropriately.
Question 4 of 5
How long can you save for?
Locking money away for longer usually means better interest rates.
Question 5 of 5
Might you need to access the money before the end?
This is the key question — it rules out fixed-term accounts if there's any chance you'll need the funds early.
Frequently asked questions
How do I find the right UK savings account for me?
The right account depends on your goal, how long you can lock money away, and whether you need instant access. Easy access accounts currently pay up to around 5.01% AER; one-year fixed bonds up to 4.85%; Cash ISAs up to 4.51%. Rates change regularly — use the BritSavvy Savings Finder to compare current rates by account type. Source: Moneyfacts, July 2026.
Is my money safe in a UK savings account?
Deposits in UK-regulated banks and building societies are protected up to £120,000 per eligible person per authorised firm under the Financial Services Compensation Scheme (FSCS). Note: different brands sometimes share the same banking authorisation — check the FCA register if saving large amounts across brands. Investment protection (Stocks & Shares ISAs, investment funds) is a separate FSCS scheme with a different limit of £85,000. Temporary high balances (e.g. house sale proceeds) may be protected up to £1.4 million for up to six months. Source: FSCS, 2025.
Should I use a Cash ISA or a regular savings account?
If your savings interest already exceeds your Personal Savings Allowance (£1,000 for basic rate, £500 for higher rate taxpayers), a Cash ISA shields all interest from tax. For most savers, regular accounts offer competitive rates without needing the ISA wrapper.