Savings round up - 19th January
18/01/2026
Marcus shocked the market by launching a new 1 Year Fixed at 4.55% - 0.20% clear off the next best rate - in a bizarre move. The rate is likely to be gone before the month is out so savers should move quick to secure it. We can't see anything beating it in 2026. Elsewhere, there are new 2, 3 and 5 Year best buys as Al Rayan top the tables with new rates on Meteor's Savings platform. Chase stay top of easy access best buys but the rest of the providers are heading towards 4%. With Base expected to fall to 3.50% this year, current fixed rates remain overpriced - to savers advantage! Here's our round up of the leading providers and rates in each category:
Chase remain the best buy at 4.50% - but a huge 2% of this is via a 12 month bonus rate. Shawbrook Bank move second as they improve the rate on their bonus account to 4.13%, which includes a 2.13% bonus. 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 are joined at 4.05% by Kent Reliance, who cut their rate last week. Chetwood Bank and Ford Money are a whisker behind at 4.04% and Hampshire Trust Bank pay 4% and lead a plethora of banks at the same rate.
Oxbury Bank stay top of notice accounts with their 180 Day paying 4.38% and their 120 Day 4.34% - both tracking Base Rate. Shawbrook move second as they improve their 120 Day Notice rate to 4.34%. They nudge ahead of GB Bank, who pay 4.33% for 120 Day Notice. Market Harborough pay 4.25% for 145 Days Notice and 4.20% for 130 Days. OakNorth pay 4.21% on their 95 Days Base Rate Tracker (Base + 0.46%), as they add a couple of basis points to their rate. Charter Savings pay 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. Al Rayan Bank pay 4.22% via Meteor Savings and Al Rayan Bank also pay 4.15%, via Raisin, as do UBL Bank and Chetwood Bank. United Trust Bank are just behind at 4.14%.
Chetwood Bank pay a best by 4.13% for 9 Months, just ahead of United Trust Bank's 4.12% for the same term. OakNorth Bank pay 4.10% via Meteor Savings.
Marcus by Goldman Sachs lead the way as they surprised the market by launching at a huge 4.55% - 0.20% clear of the next best rate. OakNorth Bank pay 4.35% via Meteor's Savings platform. Al Rayan Bank pay 4.32% via Meteor Savings, via Raisin and direct. Shawbrook improve their rate to 4.27% and move above OakNorth Bank who pay 4.26%. Union Bank of India cut 10bps to 4.23% and Chetwood Bank and UBL Bank completed the top ten tied at 4.21%.
United Trust Bank pay a best buy 4.10% for 15 Months Fixed and Union Bank of India pay the same rate but for 18 Months Fixed. Charter Savings Bank pay 4.05% with Al Rayan Bank paying 4% via Meteor Savings alongside nine others.
Al Rayan Bank pay a best buy 4.20% via Meteor Savings. Birmingham Bank and Shawbrook are tied for second - both paying 4.18% - following increases late last week. Investec pay 4.16% and LHV Bank offer 4.15%. Chetwood Bank cut to 4.12% and UBL Bank pay 4.11% via Raisin too as well as direct. Atom Bank also pay 4.11%.
Al Rayan Bank pay a best buy 4.22% via Meteor Savings. Birmingham Bank are next as they increased their rate to 4.17%. Investec pay 4.16% and UBL Bank pay 4.15% via Raisin and direct after their rate cut. Chetwood Bank pay 4.12% and Atom Bank and Hodge are tied at 4.11%.
UBL Bank pay a best buy 4.06% via Raisin and direct, despite cutting 0.20% off their rate. They stay ahead of Vanquis at 4.05%. United Trust Bank pay 4% alongside Cynergy. JN Bank pay 3.99%.
Al Rayan Bank pay a best buy 4.32% via Meteor Savings. Hampshire Trust Bank drop to second as they cut to 4.27%. Al Rayan Bank pay 4.25% via Raisin alongside Chetwood Bank. StreamBank launch their first ever 5 Year at 4.20%. Birmingham Bank improve their rate to 4.17% and move above UBL Bank, who pay 4.16% via Raisin and direct after they cut 0.10% off their rates. Atom Bank, Castle Trust and Close Brothers are tied at 4.15%.