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’s fair to say that savers are in for a rough ride, with returns on our nest eggs likely to fall significantly.

This drop is largely due to cuts in the Base Rate, which has been slashed numerous times in recent months.

In fact, the Bank of England reduced rates by another quarter point to 4.25% just last week.

While cuts tend to be good news for borrowers, savers are typically not as fortunate in lower interest-rate environments.

How are rates doing?

During our research, we’ve already noticed a drop in the market-leading rates since our last update to this piece in late March.

For example, the best-buy Cash ISA rate has fallen from 5.26% to 5.07%, while the top rate for notice accounts has plummeted from 4.8% to 4.7%.

Likewise, online bank Chase has announced that it is reducing rates on a variable rate account from 3% to 2.75% as of 15 May.

Luckily, it is still possible to get a decent return if you know where to look.

Let's explore the best rates currently available.

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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, however, 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 5.07%

The best rate on an easy-access Cash ISA right now is from fintech company Trading 212, which pays 5.07% on minimum deposits of £1, including a 0.72% bonus for the first year.

You’ll need to open an account online or via the app, with interest paid monthly.

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 big name, Goldman Sachs-owned provider Marcus offers 4.3%, including a 0.49% 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 1.5% if you make four 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.

Be aware, the bank is another stating that it will lower rates this year, taking effect from 1 June.

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

Best easy/instant access savings: up to 4.76%

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.

Digital platform Sidekick offers a market-leading rate of 4.76%, which decreases to 4.04% after one year.

You can deposit between £5,000 and £85,000.

If you'd rather opt for a bigger name, Cahoot (owned by Santander) pays 4.41% for 12 months on between £1 and £500,000.

Notice accounts: up to 4.7%

The best account we could find was Charter Savings, which pays 4.7% on a 95-day notice period.

Deposit limits are £5,000 to £1 million.

Next up, Kent Reliance offers 4.66% on its 60-day account, with deposit limits of between £1,000 and £1 million.

Best fixed-rate savings: up to 4.51%

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.

If you're after a shorter-term bond, the best rate we could find is 4.51%, available through agricultural bank Oxbury for six months.

Deposit limits range from £1,000 to £500,000.

Looking for a longer-term deal?

Birmingham Bank pays 4.42% for five years on between £5,000 and £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).