Best High-Interest Savings Accounts 2026
With the Bank of England base rate still elevated, savers are finally being rewarded properly.
Top Easy-Access Rates
| Bank | Rate | Access |
|---|---|---|
| Chase Saver | 5.1% AER | Instant |
| Atom Bank | 5.05% AER | Instant |
| Chip Instant Access | 5.0% AER | Next day |
| Trading 212 Cash ISA | 5.1% AER | Same day |
Best Fixed-Rate Bonds
| Term | Best Rate | Provider |
|---|---|---|
| 1 year | 5.25% | Close Brothers |
| 2 year | 5.1% | Aldermore |
| 3 year | 4.95% | Shawbrook |
How to Maximise Your Savings
Always use your ISA allowance first if you pay tax on interest. Spread large sums across accounts to stay within the £85,000 FSCS protection limit per banking group. Set a calendar reminder every three months to review rates as introductory bonuses expire regularly.
Rates correct at time of writing. Always verify on the provider's website before opening an account.