Savings round up - 24th July
24/07/2026
With tensions rising again in the Middle East, swap rates have increased and this has resulted in improvements to interest rates on fixed term savings in particular. There are improved 6 Month, 1, 3 and 5 Year Fixed rates - albeit by just a few basis points. While we don't expect rates to move above 5%, if the situation continues and swap rates continue to increase, the odds on it happening will improve. Next Thursday's Bank of England Base Rate decision will almost certainly see Base Rate held but the odds on it moving up to 4% increase in September, November and December. It looks highly likely we will be at 4% before 2026 is out. The rates currently on offer more than reflect that though. Here's our round up of the leading providers and rates in each category:
Plum move top of easy access paying 4.52%, with 1.47% of this coming via a 6 month bonus. Chase remain at 4.50% - but 2% of this is via a 12 month bonus rate also. Saga have moved alongside Chase and also have a 12 monthbonus (1.60%) as part of their rate. Cahoot stay at 4.32% above Ulster Bank's Limited Edition paying 4.30% - this comes with a 12 month bonus of 2.75%. ThisBank (previously JN Bank) pay 4.28% on their triple access account. Cynergy Bank pay 4.23% with 2% as a 12 month bonus. Charter Savings Bank and Kent Reliance both 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.
The notice market remains stable with the top 10 remaining the same. GB Bank stay 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 4.25% 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.
AlRayan Bank pay a joint best buy 4.50% via Meteor Savings for 6 Months Fixed. They've been joined by Zopa Bank at the same rate with GB Bank pay a whisker behind at 4.49%. Chetwood Bank and Atom Bank are tied at 4.40%.
Union Bank of India pay a best buy 4.47% for 9 Months Fixed with Atom Bank next at 4.40%. Kuwait Finance House pay 4.34% via Raisin and Zopa Bank pay the same rate on Hargreaves Lansdown's Active Savings.
OakNorth Bank lead the way paying 4.91% and have been matched by Habib Bank AG Zurich, with both moving above long term leader Marcus, who remain at 4.90%. GB Bank and MBNA improve their rates - both increasing to 4.85% - moving ahead of AlRayan Bank's 4.80% via Meteor Savings. Atom Bank and Close Brothers were also on the move - both joining AlRayan at 4.80%. Kent Reliance nudge up to 4.78% to move ahead of Union Bank of India, who pay 4.76, alongside Family Building Society.
Union Bank of India pay a best buy 4.76% ahead of Close Brothers paying 4.61% on Hargreaves Lansdown. JN Bank continue to pay 4.60% for 15 Months Fixed and United Trust Bank pay 4.53% on their 15 Month Fixed following their cut. Perenna Bank via Raisin pay 4.51%. Aldermore Bank via Raisin, Aldermore on Hargreaves Lansdown pay 4.50% as do Tandem Bank.
Kent Reliance and Close Brothers lead the way - both paying 4.83% - with GB Bank just behind at 4.82%. Atom Bank and Charter Savings Bank both improve rates, to 4.80% and 4.78% respectively, to move above Chetwood Bank who remain at 4.77%. Union Bank of India pay 4.76% with RCI Bank a whisker behind at 4.75%. Following their cut, Afin Bank join Recognise and Close Brothers at 4.70%.
GB Bank improved their rate to 4.87% to move above Afin Bank, who continue to offer 4.85% but have now been matched by Close Brothers and Kent Reliance. Oxbury Bank stay at 4.83% but Atom Bank improve to 4.80%. Chetwood Bank stay at 4.78% but are joined by Charter Savings Bank who upped their rate last night. RCI Bank improved their rate to 4.70% this morning.
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 4.96% as they moved up this morning to reclaim top spot, with GB Bank having briefly held it with their improved rate of 4.94%. Close Brothers and Atom Bank both upped rates - to 4.92% and 4.90% respectively. Oxbury Bank remain at 4.88% and Chetwood Bank stay at 4.81%. Investec Bank improved their rate to 4.75% on Hargreaves Lansdown's Active Savings. Furness Building Society also upped their rate to 4.75% to move ahead of JN Bank at 4.74%. Aldermore Bank pay 4.65% to complete the top 10.