Highest Savings Account Interest Rates to Look Out for in 2025
Top Easy Access Savings Accounts in the UK as of Late July 2025
In the current financial landscape, easy access savings accounts in the UK offer competitive rates for savers, with both bonus-rate accounts and those without bonus rates providing top rates ranging from around 4.3% AER up to 5% AER. Here are some notable options:
| Provider / Account | Rate | Bonus Rate Details & Restrictions | Other Key Features | |-------------------------------------------|---------------------------|-----------------------------------------------------------|----------------------------------------| | Chase Bank - Chase Saver with Boost | 5% AER | 2.25% bonus boost for 12 months, only for new customers with a Chase current account; bonus applies first 31 days | No minimum deposit, up to £3 million, interest paid monthly, online application[1][2] | | Oxbury Bank - Easy Access Bonus Base Rate Tracker 1 | 4.61% AER | 0.7% bonus valid until 18 October 2025; funds up to £85,000 protected by FSCS | Withdrawal before 1pm working day for same-day processing, interest paid at maturity[1] | | Atom Bank - Instant Saver Reward | 4.6% AER (4.75% per some sources) | Rate drops to 2.50% if any withdrawal is made during the month | Instant access but with penalty on withdrawals for highest rate[1][2] | | Cahoot - Simple Saver | 4.55% AER | 1.55% bonus for 12 months; reverts to 1.00% afterward | Online access, 12-month bonus offer[2] | | Principality BS - Online Bonus Triple Access | 4.55% AER | Includes 1.8% bonus for 12 months; max 3 withdrawals/year | Bonus conditions apply[2] | | Skipton BS - Bonus Saver | 4.5% AER | Includes 1.7% bonus for 12 months | Bonus with restrictions[2] | | Coventry BS - 4 Access Saver | 4.5% AER | Max 4 free withdrawals/year; 5th withdrawal causes 50 days lost interest | Access restrictions apply[2] | | Revolut - Instant Access (Ultra) | 4.5% AER | Available only with Revolut Ultra account (£45/month cost) | Rate tied to premium account status[2] | | Vida Savings - Defined Access | 4.38% AER | Rate drops to 2.5% after 5 or more withdrawals per year | Withdrawal limits apply[2] | | Vanquis Bank - Triple Access Saver | 4.35% AER | Rate drops to 2.0% after 4th withdrawal within a year | Withdrawal limits apply[2] | | Cahoot - 5% AER (on balances up to £3,000) | 5% AER (limited balance) | No strings attached, but limited to £3,000 balance | Awarded best instant-access by Which.co.uk[3] |
Understanding Easy Access Savings Accounts
Many top easy-access accounts incorporate bonus rates that apply only for a limited period (typically 12 months) or come with withdrawal limitations that reduce the effective rate if you access your money frequently[2]. Some accounts require you to have a current account with the bank to qualify for the bonus rate[1][2]. FSCS protection usually covers up to £85,000 per provider, which is an important consideration for larger savings[1]. Non-bonus (or "no strings") easy access rates tend to be slightly lower but come without restrictions or surprise penalties, offering certainty on returns[2][3].
Choosing the Right Easy Access Savings Account
For those prioritizing straightforward access and stable rates without complicated bonus terms, Cahoot’s 5% AER on balances up to £3,000 is a strong choice, while for higher balances, Chase Saver offers the best short-term boosted rate if you meet requirements. The best easy access savings account depends on your balance size, withdrawal needs, and willingness to meet bonus conditions.
Additional Information
- Tax conversions only apply to taxpayers living in England, Wales, and Northern Ireland from April 2018.
- Other notable easy access savings accounts include Tipton BS Double Access Saver, Principality BS Online Bonus Triple Access issue 7, Bath BS Instant Access, Cahoot Sunny Day Saver, Scottish BS E-Saver Plus, Aldermore Double Access 5, Yorkshire BS Rainy Day 2 Account, Swansea BS Instant Access Saver, Spring Easy Access, Nottingham BS Triple Access Saver, Investec Flexi Saver, Charter Savings Bank Easy Access 62, Newbury BS welcome to Newbury, Dudley BS Branch Instant Access Saver, Cahoot Simple Saver 10, Buckinghamshire BS Online Single Access Saver, Newcastle 6 month variable rate, Marcus by Goldman Sachs, The Melton Limited Access Saver, Hampshire Trust Bank Easy Access Online Saver 31, Ford Money Flexible Saver, Newbury BS Senior Saver, Principality BS Branch 5 Access Bonus Saver 2, Chorley BS Easy Access Saver, Vida Savings Easy Access, Scottish BS Instant Access Saver, Kent Reliance Easy Access 83, RCI Bank, Cambridge BS Your Saver, Monument Bank Limited Access Saver, West Bromwich BS Four Access Saver 3, Vida Savings Defined Access 2, Close Brothers Savings 7, and West Bromwich BS Easy Access Saver.
[1] Source: Bank's official website [2] Source: MoneySavingExpert.com [3] Source: Which.co.uk
Personal finance enthusiasts might consider the 'Chase Saver with Boost' account from Chase Bank, offering a competitive 5% AER rate, or Cahoot's 5% AER account on balances up to £3,000, for those seeking a straightforward, stable savings option with no strings attached. Both accounts are notable easy access savings options highlighted in the UK financial landscape as of Late July 2025.
