Savings round up - 12th January
11/01/2026
Chase continue to hold out at 4.50% on their easy access rate but all other providers are heading towards 4% with a 0.38% gap between Chase and the next best. Meteor Savings provides some cheer with the two best fixed rates in the market - OakNorth's 4.35% for 1 Year and 4.34% for 9 Months. However, fixed rates generally are easing back and we expect further falls this month. With Base Rate expected to fall to 3.50% this year, the best buy fixed rates look severely overpriced at present and, despite the falls, there's some attractive rates on offer. Here's our round up of the leading providers and rates in each category:
Chase are the best buy at 4.50% - but a huge 2% of this is via a 12 month bonus rate. Kent Reliance are next but a distant 4.12% by comparison. Vida Savings pay 4.11% but only four withdrawals are allowed per year of the rate plummets to 2.50%. UBL pay 4.06% via Raisin and Charter Savings Bank pay the same rate. Cahoot drop to 4.05% after their rate cut, ahead of a trio at 4.04% - Chetwood Bank, Ford Money and Shawbrook Bank. Hampshire Trust Bank pay 4% and lead a plethora of banks at the same rate.
Oxbury Bank move top of notice accounts with their 180 Day paying 4.38% and their 120 Day 4.34% - both tracking Base Rate. GB Bank pay a best buy 4.33% for 120 Day Notice. Market Harborough pay 4.25% for 145 Days Notice and 4.20% for 130 Days. OakNorth pay 4.19% on their 95 Days Base Rate Tracker (Base + 0.44%) with Charter Savings paying 4.17% for 95 Day Notice and UBL Bank paying 4.16% via Raisin for 95 Days. StreamBank pay 4.15% on 90 Days.
Oxbury Bank pay a best buy 4.23% for 6 Months to move above Hampshire Trust Bank at 4.32%. Chetwood Bank pay 4.20% and UBL Bank pay 4.15%
OakNorth Bank pay a best buy 4.34% for 9 Months Fixed via Meteor Savings which is miles clear of the next best - United Trust Bank's 4.12% for the same term.
OakNorth Bank pay a best buy 4.35% for 1 Year via Meteor's Savings platform. Union Bank of India are next at 4.33% with Chetwood Bank and OakNorth Bank paying 4.26%. UBL Bank pay 4.21% and LHV Bank come back to the market at a reduced rate of 4.20%. GB Bank, Investec and Vanquis all pay 4.15% with Hodge completing the top 10 at 4.14%.
Kent Reliance lead the way paying 4.11% for 18 Months. United Trust Bank pay 4.10% for 15 Months Fixed and Union Bank of India pay the same rate. Charter Savings Bank entered the market this morning at 4.05% with all other providers 4% or less.
Birmingham Bank made a late move to the summit on Friday with a best buy rate of 4.17% to move ahead of Chetwood Bank, who remain at 4.16% alongside Investec. LHV Bank are back in at a lower rate of 4.15%. Bank of Ceylon pay 4.11% via Raisin and UBL Bank pay 4.11% via Raisin too as well as direct. Atom Bank also improve their rate to 4.11%. Kent Reliance, Al Rayan Bank and Habib Zurich all pay 4.10%
UBL pay a best buy 4.21% via Raisin and direct. RCI Bank pay 4.20% and Birmingham Bank rejoin the market at 4.17%, above Chetwood Bank at 4.16%. Investec Bank improve to 4.16% and Al Rayan Bank pay 4.15%. Kent Reliance, Atom and Hodge are all tied at 4.11%.
UBL Bank pay a best buy 4.26% via Raisin and direct before a big drop to Vanquis at 4.05%. United Trust Bank pay 4% alongside Cynergy. JN Bank pay 3.99%.
Hampshire Trust Bank are the new best buy at 4.31% as they stay ahead of Chetwood Bank at 4.30%. UBL Bank pay 4.26% via Raisin and direct before a drop to the 4.17% paid by Birmingham Bank. Atom, Castle Trust Bank and Close Brothers are tied at 4.15%.