The latest news to help you get the most from your savings account.
Here’s our monthly update sharing changes at leading UK savings accounts, as well as some of the articles you might have missed on the site.
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April’s savings news
Could base rate increase this year?
With the war in Iran ongoing, inflation is going to keep increasing. And that means not only are any further cuts to the base rate incredibly unlikely this year, we could actually see some increases.
Predictions range from one to three before the year is out, and at least one hike by 0.25 percentage points has already been priced in at the top of the best fixed rate accounts for one, two, three and five year fixes.
The best fixed ISAs have increased by even more – and it’s worth seeing if you can beat recently opened ones to move cash over as you can exit these, though you’ll lose some interest.
For those looking to lock away their money now, the question is whether to grab these rates while you can, or wait and see if there will be further hikes. The middle ground is to fix some cash now, and then more later.
Last chance to use 25/26 ISA allowance
You’ve got until 5 April to put up to £20,000 into ISAs before your annual allowance resets. Though the amount you can put into Cash ISAs will remain at this level for the next financial year, it’ll decrease to £12,000 from April 2027. So if you have spare cash not currently protected by the ISA wrapper, you might want to ensure you max it out now – you can always change your mind later and withdraw it.
NS&I failed to release £470m in savings after deaths
Relatives of around 37,500 savers with NS&I who died were unable to trace the missing cash due to “operational failures”. This included Premium Bonds. NS&I is now working to return the money, which is largely from 2008 to 2025.
If your family’s account was affected, NS&I will contact you directly. There will be compensation “where appropriate”. More details will come in May sharing how this will happen.
It’s worth remembering that when someone dies, the estate can use free tracing services to locate missing accounts, including things like current accounts and pensions.
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April’s savings offers
We’ll share any other deals in our savings deals page if any more come along.
Can you earn extra on your savings?
Check out our list of the best savings special offers
Top savings accounts for April 2026
Remember, these are the accounts at the top of the tables. We’ve more options in our best savings accounts page, which is updated every day by the team.
Current account linked easy access saver picks as of 1/4/26
- Santander Edge Saver (6% AER variable, includes 2.5% bonus for 12 months) – max £4,000
- Nationwide (5% AER variable for 12 months) – max £1,500 – new customers only
- Chase Saver (4.5% AER variable, includes 2% bonus for 12 months) – new customers only
Easy & limited access picks as of 1/4/26
- Cahoot Sunny Day Saver (5% AER variable) – max £3,000 / 12 months only (+ £25 via TopCashback)
- Tembo (4.75% AER variable) – includes 12 month bonus / max £20,000
- LHV Bank (4.25% AER variable)
- DF Capital (4.25% AER variable)
- Mansfield Building Society (4.25% AER variable) – includes 12 month bonus / triple access / post or in-person
Notice accounts picks as of 1/4/26
- 3 months notice – Investec via Raisin (4.15% AER variable): 95-days notice
- 4 months notice- LHV via Raisin (4.15% AER variable): 125-days notice
- 6 months notice – Stafford Building Society (4.26% AER variable): 180-days notice / online, post or in-person
Fixed savings accounts picks as of 1/4/26
- 6 months – Al Rayan via Meteor (4.22% expected return fixed)
- 9 months – Al Rayan via Meteor (4.25% expected return fixed)
- 12 months – Kent Reliance (4.51% AER fixed)
- 12 months – Furness Building Society (4.25% AER fixed) – online, post, phone and in-person
- 18 months – West Brom Building Society (4.45% AER fixed)
- 18 months – Mansfield Building Society (4.25% AER fixed) (also via post)
- 2 year – Close Brothers (4.52% AER fixed)
- 2 year – Furness Building Society (4.45% AER fixed) – online, post, phone and in-person
- 3 year – Close Brothers (4.52% AER fixed)
- 3 year – Dudley Building Society (4.3% AER fixed) – online, post and in-person
- 4 year – Cynergy (4.25% AER fixed)
- 4 year – UBL (4.06% AER fixed) (also via post)
- 5 year – Market Harborough Building Society (4.6% AER fixed)
- 5 year – Furness Building Society (4.48% AER fixed) (also via post and phone)
Regular Saver accounts (existing customer) picks as of 1/4/26
- First Direct Regular Saver (7% AER fixed): max £300 a month
- Co-operative Bank Regular Saver (7% variable): max £250 a month
- Nationwide or Virgin Money (6.5% AER variable): max £250 a month
- Club Lloyds Monthly Saver (6.25% AER fixed): max £400 a month (also via phone)
Regular Saver accounts (for all) picks as of 1/4/26
- Principality Building Society (7.5% AER fixed for six months): max £200 a month
- Monmouthshire Building Society (6% AER variable): max £500 a month
- Scottish Building Society (6% AER variable): max £250 a month (also via post)
The best monthly savings accounts
Check out our list of the highest paying regular or monthly savings accounts.
ISA: Easy access picks as of 1/4/26
- eToro (4.81% AER variable) – includes 12 month bonus / new customers only / triple access
- Trading212 (4.68% AER variable) – includes 12 month bonus / new customers only
- Tembo (4.26% AER variable)
- Earl Shilton Building Society (4.1% AER variable) – triple access / post or in-person
ISA: Fixed savings ISAs picks as of 1/4/26
- 12 months – HSBC (4.5% AER fixed) – requires current account / online, phone and in-person
- 12 months – Bath Building Society (4.4% AER fixed) – online, phone and in-person
- 2 year – Marsden Building Soceity (4.51% AER fixed)
- 2 year – Buckingham Building Soceity (4.46% AER fixed) – online, post and in-person
- 3 year – Nationwide (4.5% AER fixed) – online and in-person
- 3 year – Paragon (4.2% AER fixed) – online and post
- 4 year – UBL (3.91% AER fixed) – online, in person and post
- 5 year -Leek Building Society (4.6% AER fixed) – online, post and in-person
The best Easy Access Cash ISA savings accounts
Check out our list of the highest paying easy access Cash ISAs
