Savings round up - 27th April
27/04/2026
All eyes are on Thursday's Base Rate decision albeit less on the rate (which is highly likely to stay at 3.75% with only a 10% chance of an increase being priced in) and more on the commentary and future direction. Fixed rates have surged in the last week, particularly on longer terms, which suggests that banks have either mis-priced them or are expecting things to be worse for longer, necessitating a higher Base Rate for longer. This is good news for savers looking to lock in as the best rates are close to 4.75% which is almost a percentage point ahead of the current Base Rate. The market looks to be in savers favour and there's now significant incentive to fix over remaining in easy access. Here's our round up of the leading providers and rates in each category:
Chase remain best buy at 4.50% - but a huge 2% of this is via a 12 month bonus rate. Cynergy Bank's bonus saver is next paying 4.27% - but like Chase 2% of this is a 12 month bonus. Cahoot stay priced at 4.17% ahead of Vida Savings, who continue to pay 4.16% on their Double Access Account, where the rate drops to 2.50% after more than two withdrawals per year. Virgin Money pay 4.16% too and their account is also limited to just two withdrawals per year. Family Building Society bring back their online saver with a competitive rate of 4.15%. Shawbrook Bank pay 4.13%, which includes a 2.13% bonus. Saga pay 4.11% but with 1.21% of this coming via a 12 month bonus of 1.21%. Cambridge Building Society's Double Access Saver, which is limited to two withdrawals after which a 120 day interest penalty applies, pays 4.10%. Vanquis complete the top 10 paying 4.08% on their Triple Access Saver.
Stafford Building Society's 180 Day Notice is still the best buy paying 4.26% - however only two withdrawals are permitted per Society year. Cynergy Bank is next as they improved their 120 Day Notice rate to 4.18%. Investec pay 4.15% for 95 Day Notice via Raisin. Vida Bank also pay 4.15% via Raisin for the same notice period. Aldermore Bank pay 4.13% on 95 Day Notice via Raisin. OakNorth pay 4.12% on their 95 Day Base Rate tracker which tracks Base Rate plus 0.37% after they reduced their rate slightly. BLME pay 4.11% on 90 Day Notice and Close Brothers pay 4.10% on the same term.
AlRayan Bank lead the way paying 4.36% for 6 Months via Meteor Savings. AlRayan play a slightly lower rate of 4.30% via Raisin with Perenna Bank paying 4.27% via Raisin too and Cynergy Bank the best direct rate at 4.20%
Al Rayan Bank are the best buy for 9 Months paying 4.30% via Meteor Savings for 9 Months Fixed and Al Rayan pay 4.25% via Raisin too. Kuwait Finance House pay 4.24% via Raisin with Zopa Bank paying 4.15% via Hargreaves Lansdown.
AlRayan Bank pay a best buy 4.70% via Meteor Savings. MBNA are next paying 4.66%. StreamBank improved their rate to 4.65% to move up to third place on Friday. AlRayan Bank pay 4.65% via Raisin (this comes with cashback of upto £150 for new savers which makes the combined rate and cashback the equivalent of a return of upto 5.05%) and direct with Close Brothers also paying 4.65%. National Bank of Egypt pay 4.62% via Raisin with Kent Reliance just behind at 4.61%.
Aldermore Bank pay a best buy 4.45% as they moved top last week. Newcastle Building Society and Secure Trust Bank are next - both paying 4.25% for 18 Months. Zopa Bank pay an improved 4.22% on Hargreaves Lansdown. Dudley Building Society pay 4.20% and Cynergy Bank both pay 4.20% for both their 15 Month and 18 Month Fixes. Al Rayan Bank pay 4.20% too.
RCI Bank pay a top rate of 4.65% to move ahead of Close Brothers who remain at 4.63%. StreamBank pay 4.61% as they launched a 2 Year Fixed for the first time on Friday and move alongside Kent Reliance and GB Bank. Recognise Bank are next at 4.60% and Charter Savings Bank's rate goes up to 4.59% at midnight this evening. Hodge Bank stay at 4.58% with JN Bank and Afin Bank both paying 4.57% to complete the top 10.
AlRayan Bank pay a best buy 4.62% via Meteor Savings. Kent Reliance are just behind at 4.61% with RCI Bank paying 4.60% via Raisin which also comes with cashback of up to £150. Oxbury Bank pay 4.60% and Charter Savings increase to the same rate at midnight this evening. JN Bank pay 4.59% with Hodge Bank at 4.58%, Close Brothers at 4.57% and GB Bank at 4.56%.
JN Bank remain best buy at 4.57% but Aldermore Bank are just behind them at 4.55% following their increase late last week. There's a steep drop then to Cynergy's 4.20% and Aldermore's 4.09% on Raisin. Bank of Ceylon pay 4.06% via Raisin and UBL Bank also pay 4.06% via Raisin and direct. Vanquis Bank offer 4.05% as the only other provider paying north of 4%.
Market Harborough pay a market leading 4.70% although this has a fixed maturity of 31st July so is a good three months over the five year term. Afin Bank pay 4.68% as they improved their rate late last week. Close Brothers remain at 4.67% ahead of Chetwood Bank at 4.65%. Aldermore Bank pay an improved 4.60% with GB Bank just behind at 4.58% and JN Bank at 4.57%. There's a drop then to Hodge Bank at 4.47%.