Savings round up - 7th July
07/07/2026
Headline best buy rates remain in tact but there have been cuts below the leading rate payers which suggests that we may see reductions in the coming days and weeks on fixed rates. With swap rates pricing in 1 Year at below 4% now consistently, there looks little room for any upwards movement from here and we think 1 Year Fixed rates will consolidate around 4.75% this month, once Marcus pull their rate, which looks inevitable sooner rather than later. Easy access rates remain around 4.25% - 4.30%, excluding Chase and Revolut, which looks likely to be where they hold - for now. Here's our round up of the leading providers and rates in each category:
Revolut are paying 5% for easy access but given this is only until 4th December and capped at £25,000, we have excluded it from our tables. Chase remain at 4.50% - but a huge 2% of this is via a 12 month bonus rate. Cahoot improved their rate to 4.32% to move up to second above Coventry Building Society, whose triple access account pays 4.30%. Ulster Bank's Limited Edition account also pays 4.30% - this comes with a 12 month bonus, of 2.75%. ThisBank (previously JN Bank) pay 4.28% on their triple access account - their first foray in to this market. Cynergy Bank pay 4.23% with 2% as a 12 month bonus. Secure Trust Bank pay a straight 4.21% on their easy access account. Yorkshire Building Society pay 4.20% but their online account is restrictred to three withdrawals per year. Hamphire Trust Bank pay 4.18% on their straightforward easy access account.
GB Bank remain top with thier 150 Day Notice paying 4.38%. BLME are next - their 90 Day Notice paying 4.37%. StreamBank's 90 Day Notice pays 4.35% before a drop to Stafford Building Society's 180 Day Notice paying 4.26% - however only two withdrawals are permitted per Society year. QIB Bank pay 4.25% for 95 Days Notice via Raisin. Market Harborough Building Society are back in paying 4.26% too but for 160 Day Notice. Hampshire Trust Bank launch a 95 Day Notice Base Rate Tracker paying 4.22%. Secure Trust Bank pay 4.21% for 95 and 90 Day Notice - the 95 Day Notice being a Base Rate Tracker at 0.46% above Base. Perenna Bank pay 4.20% on 90 Day Notice via Raisin to complete the top 10.
GB Bank pay a best buy 4.49% for 6 Months Fixed with Chetwood Bank at 4.40% and Oxbury Bank just behind them at 4.36%. Atom Bank pay 4.35%.
Union Bank of India pay a best buy 4.47% for 9 Months Fixed with United Trust Bank next at 4.42% for 9 Months Fixed and Atom Bank paying 4.40%.
Marcus lead the way paying 4.90% but with 2nd, 3rd and 4th all cutting or withdrawing this promotes AlRayan Bank's 4.80% via Meteor Savings to second. Union Bank of India pay 4.76% but have been matched by Family Building Society, who gave their rate a lift this morning, to move ahead of GB Bank at 4.73%. Close Brothers and Recognise Bank are tied at 4.70% with NS&I just behind at 4.69%. UBL Bank pay 4.68% to complete the top 10.
Union Bank of India pay a best buy 4.76% ahead of United Trust Bank pay 4.60% on their 15 Month Fixed with Perenna Bank via Raisin paying 4.55%. Aldermore Bank via Raisin, Aldermore on Hargreaves Lansdown pay 4.50% as do Tesco Bank.
Afin Bank lead the way paying 4.85% with GB Bank just behind at 4.82%. Chetwood Bank pay 4.77% and Union Bank of India pay 4.76%. RCI Bank are a whisker behind at 4.75% with Hodge Bank paying 4.71%. Recognise and Close Brothers are tied at 4.70%. NS&I pay 4.67% with StreamBank paying 4.65% to complete the top 10.
Afin Bank top the pile paying 4.85%, a whisker ahead of Oxbury Bank at 4.83% and GB Bank at 4.80%. Chetwood Bank are offering 4.78% with Atom and Close Brothers tied at 4.70%. NS&I pay 4.65% and AlRayan pay 4.62% on Meteor Savings. Aldermore Bank lead a trio paying 4.61%.
Aldermore Bank lead the way paying 4.61% alongside JN Bank. Oxbury Bank are next paying 4.58% with RCI Bank paying 4.40% alongsidePerenna Bank's 4 Year on Raisin.
Afin Bank pay a market leading 4.90% ahead of Oxbury Bank at 4.88% and Chetwood Bank at 4.81%. GB Bank improved their rate to 4.77% to take fourth spot ahead of Atom Bank and Close Brothers who are tied at 4.75%. JN Bank cut to 4.74% and Aldermore Bank pay 4.65% alongside Hodge Bank and Newcastle Building Society.