Top savings accounts 2025: where to find the best rates for your cash

Savings rates are falling, but there are still generous homes for your money.

It seems that savers are once again in the firing line after the Bank of England cut interest rates from 4.25% to 4% earlier this month.

The move, aimed at propping up a slowing economy, is already prompting banks to slash rates on easy-access accounts, ISAs and fixed-term deals by as much as 0.5%.

For anyone relying on interest to boost their income – or simply keep pace with rising costs – this could mean seeing pounds quietly drain away.

In today’s market, leaving your cash where it is could be the most expensive mistake you make this year.

Luckily, there are still some attractive deals around.

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Regular savers: up to 7.5%

Regular savings accounts have long offered the most attractive rates around.

They're generally best suited for new savers as they don't allow you to deposit a lump sum upfront.

Instead, you make regular monthly contributions and get the money back with interest after one year.

So, what rates can you get?

Principality Building Society offers a brilliant 7.5% on its Regular Saver.

Unfortunately, it's just a six-month account and you can only deposit up to £200 per month.

If you'd like to set aside a little more or save for longer, First Direct offers a 7% regular saver that's fixed for one year and allows deposits of up to £300 per month.

The catch here is that you'll need to have a First Direct current account to qualify. 

If you don't already bank with them, it's worth noting that the bank is currently offering a generous £175 incentive to new customers.

On top of this, its 1st Account comes with a £250 interest-free overdraft, while First Direct regularly tops the tables for customer service.

Cash ISAs: earn up to 4.46%

Top Cash ISA rates have fallen sharply in recent weeks. With rates of up to 4.98% available as recently as July, the best rate you can get now is 4.46%, a drop of 0.52%. 

That ISA is available through fintech company Trading 212, which can be opened from just £1. 

Note the account comes with a 0.61% bonus for the first yearand you’ll need to open an account online or via the app.

It is also a flexible access ISA, allowing you to withdraw and reinvest money within the same tax year.

If you’re looking for a bigger name, Bank of Ireland pays 4.11%, including a 1.15% bonus for the first year.

Note, this isn’t a flexible ISA.

Current accounts: up to 5%

If you'd like to earn interest on your monthly finances, you can bag a handy 5% for 12 months on balances of up to £1,500 with Nationwide's FlexDirect. 

You’ll also have access to a regular saver paying 6.5% AER for one year if you put away more than £200, falling to 1.25% if you make three or more withdrawals per year.

Furthermore, the bank pays 1% cashback for 12 months, although this is capped at £5 per month or £60 per year.

Find the best alternatives in our roundup of current accounts that pay in-credit interest 

Best easy/instant-access savings: up to 4.75%

An easy-access account can be a great choice if you need to access your money quickly in the event of an emergency or want to withdraw funds regularly.

Online bank Chase offers a market-leading rate of 4.75%, which includes a 2.25% bonus for the first year.

You can deposit between £1 and £3 million.

Note, this deal is only available if you open a current account with the bank.

If you'd rather opt for a bigger name, Cahoot (owned by Santander) pays 4.55% for 12 months on between £1 and £500,000.

Notice accounts: up to 4.58%

The best account we could find was GB Bank, which pays 4.58% on a 120-day notice period.

Deposit limits are £1,000 to £100,000.

Next up, Kent Reliance offers 4.45% on its 60-day account, with deposit limits of between £1,000 and £1 million.

Best fixed-rate savings: up to 4.52%

For the past couple of years, the best fixed-rate deals were generally those with shorter terms of 12 months or fewer.

These days, there's not much difference between the shortest and longest-term bonds, so it all depends on how long you want to lock your money away.

At present, JN Bank pays 4.52% on a five-year fix, with deposits of between £100 and £500,000.

If you're after a shorter-term bond, the best rate we could find is 4.35%, available through Hampshire Trust Bank for six months.

Deposit limits range from £1 to £250,000.

Best savings rates: where to earn the most interest on your cash

Here's a table with all the top deals for you to compare at a glance.

The account you go for will probably be determined by the amount you have to save and whether you want instant access to your money.

Please note that we've only included the highest-paying account from each category.

Remember, sometimes you'll need to open another account with a provider to access certain savings rates.

Time to consider investing?

If you're sure you don't need to access your money anytime soon, you'll likely achieve a better return over the long term by investing (five years or more).

If you are comfortable taking on some risk for potentially better returns, you could consider investing in the stock market (capital at risk).