Here are the best fixed rate savings accounts on offer right now
You can fix your savings for anything from three months to five years to get a slightly better rate in return. However, you need to be sure you won’t need access to that cash over that time. The longer you fix, the greater the risk you’ll lose out if rates were to rise. But at the same time, they’re protected if rates were to fall.
If you think you’d prefer to be able to access your money whenever you want, you’d probably want an easy-access savings account.
It’s worth noting, too, when longer fixes provide you with access to the interest. With most, it’s at the end of the fix, meaning all that interest will count towards your personal savings allowance for the year you receive it.
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Best savings account offers
Some accounts can be boosted by special offers, we’ll share the best here.
Savings Offers
Customer rating
5/5
- Offer2.5% fixed rate bonus for homebuyers
- AER (variable)5.5%
- Minimum£10
- Maximum£20,000
- FSCS Protected? Yes
- Bonus The rate includes a 12-month boost of 2.5%. This is paid at the end of the 12 month period if you take out a mortgage with Tembo, or, if you take a mortgage out after the 12 month period, it'll be paid after your mortgage completes. You have three years from first paying into the account to complete.
- Included features You'll also get fee-free access to Tembo's mortgage brokers
Customer rating
3.7/5
- Offer£10 Amazon voucher and free KidsPass membership
- AER (variable)6%
- Minimum£0
- Maximum£4,000
- Requirements Requires Santander Edge current account (£3 monthly fee). You can open one Edge Saver with a personal account and two Edge Savers with a joint account.
- FSCS Protected? Yes
- Bonus Includes 2.5% bonus for 12 months
- Offer details Get a free £10 Amazon voucher when you open a Santander Savings account, have a balance of at least £100 on 31 December 2025 and hold a balance of at least £100 until 31 January 2026. You can also get a free 12-month KidsPass membership
Customer rating
3.7/5
- Offer£10 Amazon voucher and free KidsPass membership
- AER (variable)2%
- Minimum£1
- Maximum£2m
- FSCS Protected? Yes
- Offer details Get a free £10 Amazon voucher when you open a Santander Savings account, have a balance of at least £100 on 31 December 2025 and hold a balance of at least £100 until 31 January 2026. You can also get a free 12-month KidsPass membership
Best fixes under a year
Up to 1 year fixed savings
- Expected rate (fixed)4.35%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
Customer rating
4.9/5
- AER (fixed)4.31%
- Minimum£25,000
- Maximum£2m
- FSCS Protected? Yes
- AER (fixed)4.3%
- Minimum£1,000
- Maximum£100,000
- FSCS Protected? Yes
Customer rating
3.8/5
- AER (fixed)4.3%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
- AER (fixed)4.3%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
- AER (fixed)4.3%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
- Expected rate (fixed)4.3%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
Best 12-month fixed savings accounts
12 month fixed savings
- Expected rate. (fixed)4.55%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
Customer rating
4.1/5
- AER (fixed)4.5%
- Minimum£5,000
- Maximum£250,000
- FSCS Protected? Yes
- AER (fixed)4.46%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Customer rating
3.5/5
- AER (fixed)4.45%
- Minimum£1,000
- Maximum£250,000
- FSCS Protected? Yes
Customer rating
4.8/5
- AER4.44%
- Minimum£5,000
- Maximum£1m
- FSCS Protected? Yes
Best 18-month fixes
18 month fixed savings
Customer rating
1.9/5
- AER (fixed)4.25%
- Minimum£1,000
- Maximum£2m
- FSCS Protected? Yes
Customer rating
3.8/5
- AER (fixed)4.2%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Customer rating
3.7/5
- AER (fixed)4.2%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Customer rating
3.4/5
- Expected rate (fixed)4.15%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Best two-year fixes
2 year fixed savings
Customer rating
3.7/5
- AER (fixed)4.42%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Customer rating
3.5/5
- AER (fixed)4.41%
- Minimum£1,000
- Maximum£250,000
- FSCS Protected? Yes
Customer rating
4.8/5
- AER (fixed)4.38%
- Minimum£1,000
- Maximum£250,000
- FSCS Protected? Yes
Customer rating
4.9/5
- AER (fixed)4.34%
- Minimum£100
- Maximum£500,000
- FSCS Protected? Yes
Best three-year fixes
3 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.25%
- Minimum£100
- Maximum£500,000
- FSCS Protected? Yes
Customer rating
1.9/5
- AER (fixed)4.25%
- Minimum£1,000
- Maximum£2m
- AER (fixed)4.21%
- Minimum£2,000
- Maximum£85,000
- FSCS Protected? Yes
- AER4.21%
- Minimum£2,000
- Maximum£1m
- FSCS Protected? Yes
Best four-year fixes
4 year fixed savings
- AER (fixed)4.26%
- Minimum£2,000
- Maximum£1m
- FSCS Protected? Yes
Customer rating
4.9/5
- AER (fixed)4.25%
- Minimum£100
- Maximum£500,000
- FSCS Protected? Yes
Best five-year fixes
5 year fixed savings
Customer rating
4.6/5
- AER (fixed)4.3%
- Minimum£1,000
- MaximumN/A
- FSCS Protected? Yes
Customer rating
4.9/5
- AER (fixed)4.26%
- Minimum£100
- Maximum£500,000
- FSCS Protected? Yes
- AER (fixed)4.26%
- Minimum£2,000
- Maximum£85,000
- AER (fixed)4.26%
- Minimum£2,000
- Maximum£1m
- FSCS Protected? Yes
Other savings accounts
Best Easy Access savings accounts
If you don’t want to lock your money away, then an easy access account is going to be the best one for your cash.
We’ve listed all the top easy access accounts in our separate tables.
The best easy access savings accounts
Check out our list of the highest savings accounts.
Best Regular Savings accounts
These accounts are all “Regular” or monthly savers which work differently to normal saving accounts. Here’s Andy’s full guide to how they work.
We’ve listed the top-paying options in our separate best buy guide.
The best monthly savings accounts
Check out our list of the highest paying regular or monthly savings accounts.
Best Easy Access Cash ISAs
Though most of us don’t need the tax-free “wrapper” offered by an ISA, if you want to use one then the same goes in terms of finding the best rate.
We’ve listed the best options on our dedicated Best Cash ISA page.
The best Easy Access Cash ISA savings accounts
Check out our list of the highest paying easy access Cash ISAs
Best Fixed Rate Cash ISAs
You can also get fixed rate ISAs, and these can be accessed early – though you’ll pay an interest penalty if you do.
Find the top paying rates for each term on our dedicated Best Fixed Cash ISA page.
The best Fixed Cash ISA savings accounts
Check out our list of the highest paying fixed Cash ISAs
Premium Bonds
The prize rate for Premium Bonds stands at 3.6% from the August 2025 draw onwards. This doesn’t mean you’ll get 3.5% back on your savings, though the closer you are to the £50,000 maximum deposit, the closer you’ll get to the rate (on average). Here’s more.
Best children’s savings account
We’ve written in more detail about the different savings accounts for kids, so do check that article out to understand the conditions such as access and find all the top rates.
Best ethical savings account
The money you hold in your savings is used by the banks to invest and lend money. This could mean it’s used for things you might disagree with, such as fracking, tobacco or arms manufacturing.
There are banks with ethical policies such as Triodos, while building societies must lend 75% of their funds to home buyers, meaning they don’t have the cash to invest elsewhere.
Sharia accounts can’t be used for things against Islamic law, like tobacco or gambling and I’ve listed the top ones further down the article.
The “greenest” banks are Ecology Building Society and Triodos, though they won’t always make the tables above. The following banks and building societies are more likely to appear above.
- Nationwide
- Yorkshire Building Society
- Coventry Building Society
- Leeds Building Society
- Saffron Building Society
- Tandem Bank
- Castle Community Bank (credit unions)
There’s also the NS&I Green Bond, a 3-year fixed-rate account. It’s currently paying 2.95%. Here’s our analysis.
Top Sharia savings accounts
Paying interest isn’t allowed in Islam, so a Sharia-compliant savings account instead promises a return on the money saved – an expected profit rate. Though technically this means the rate isn’t guaranteed, it’s not happened yet. They’re open to everyone, not just Muslims. Money in these accounts won’t be invested in arms, tobacco, gambling or tobacco.
Look in the tables above for banks offering an expected profit rate rather than AER. The main banks are: