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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Featured Cash ISA
Customer rating
3.4/5
- AER (variable)4.78%
- Minimum£500
- AccessLimited access
- Maximum withdrawals3
- Bonus Rate includes a bonus of 1% for the first 12 months. The standard rate after 12 months or 3 withdrawals is 3.48%.
- FSCS Protected? Yes, although as the money is held in Qualifying Money Market Funds (QMMFs), it's covered by the FSCS investment protection, not deposit protection. QMMFs are a type of low-risk investment.
- Allows transfers in? Yes. The offer covers both new deposits and transfers of existing ISAs, as long as it’s your first deposit/transfer under this offer
- Flexible ISA Yes
- Withdrawals allowed If you make more than 3 withdrawals in a year, the rate drops to 3.48% AER
- Important details Variable rate correct as of 7 April 2026. eToro account required. Your capital is at risk. ISA powered by Moneyfarm. ISA rules. UK residents only. The Cash ISA interest rate is variable and linked to the secure and protected Qualifying Money Market Fund (QMMF) your money is held in.
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Best fixes under a year
Up to 1 year fixed savings
- Expected rate (fixed)4.22%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
My Community Finance 6 month fixed savings
Customer rating
4.9/5
- AER (fixed)4.2%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
Chetwood Bank 6 month fixed savings
Customer rating
4.6/5
- AER (fixed)4.17%
- Minimum£1,000
- MaximumN/A
Zopa 6 month fixed savings
Customer rating
4.9/5
- AER4.16%
- Minimum£1
- Maximum£250,000
- FSCS Protected? Yes
- AER (fixed)4.15%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
- AER (fixed)4.13%
- Minimum£1,000
- Maximum£100,000
- FSCS Protected? Yes
- Expected rate (fixed)4.12%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
- AER (fixed)4.12%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
LHV Bank 9 month fixed savings
- AER (fixed)4.1%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Best 12-month fixed savings accounts
12 month fixed savings
Chetwood Bank 12 month fixed savings
Customer rating
4.6/5
- AER (fixed)4.65%
- Minimum£1,000
- MaximumNo max
- FSCS Protected? Yes
- AER (fixed)4.6%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
OakNorth 1 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.53%
- Minimum£1
- Maximum£500,000
- FSCS Protected? Yes
AlRayan via Meteor 12 month fixed savings
- Expected rate. (fixed)4.53%
- Minimum£1,000
- Maximum£120,000
- FSCS Protected? Yes
MBNA 12 month fixed savings
Customer rating
3.1/5
- AER (fixed)4.52%
- Minimum£1,000
- Maximum£750,000
- FSCS Protected? Yes
Kent Reliance 12 month fixed savings
Customer rating
2.3/5
- AER (fixed)4.51%
- Minimum£1,000
- Maximum£499,999
- FSCS Protected? Yes
My Community Finance 1 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.5%
- Minimum£1,000
- Maximum£85,000
- FSCS Protected? Yes
Best 18-month fixes
18 month fixed savings
West Brom Building Society 18 month fixed savings
Customer rating
3.2/5
- AER (fixed)4.45%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Manchester Building Society 18 month fixed savings
Customer rating
4.1/5
- AER (fixed)4.25%
- Minimum£1
- Maximum£1m
- FSCS Protected? Yes
Newcastle Building Society 18 month fixed savings
Customer rating
4/5
- AER (fixed)4.25%
- Minimum£1
- Maximum£1m
- FSCS Protected? Yes
Cynergy Bank 18 month fixed savings
Customer rating
4.8/5
- AER (fixed)4.2%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Best two-year fixes
2 year fixed savings
Vida Savings 2 year fixed savings
- AER (fixed)4.61%
- Minimum£1,000
- Maximum£500,000
- FSCS Protected? Yes
OakNorth 2 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.55%
- Minimum£1
- Maximum£500,000
- FSCS Protected? Yes
RCI Bank 2 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.55%
- Minimum£1,000
- Maximum£1,000,000
- FSCS Protected? Yes
Chetwood Bank 2 year fixed savings
Customer rating
4.6/5
- AER (fixed)4.55%
- Minimum£1,000
- MaximumN/A
- FSCS Protected? Yes
Close Brothers Savings 2 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.52%
- Minimum£10,000
- Maximum£2m
- FSCS Protected? Yes
Kent Reliance 2 year fixed savings
Customer rating
2.3/5
- AER (fixed)4.51%
- Minimum£1,000
- Maximum£499,999
- FSCS Protected? Yes
Best three-year fixes
3 year fixed savings
Close Brothers Savings 3 year fixed savings
Customer rating
4.9/5
- AER4.52%
- Minimum£10,000
- Maximum£2m
- FSCS Protected? Yes
Kent Reliance 3 year savings account
Customer rating
2.3/5
- AER (fixed)4.51%
- Minimum£1,000
- Maximum£4,999,999
- FSCS Protected? Yes
Atom Bank 3 year fixed savings
Customer rating
4.9/5
- AER4.5%
- Minimum£50
- Maximum£100,000
- FSCS Protected? Yes
Chetwood Bank 3 year fixed savings
Customer rating
4.6/5
- AER (fixed)4.5%
- Minimum£1,000
- MaximumNo maximum
- FSCS Protected? Yes
RCI Bank 3 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.5%
- Minimum£1,000
- Maximum£95,000
- FSCS Protected? Yes
Charter Savings Bank 3 year fixed savings
Customer rating
2.8/5
- AER (fixed)4.45%
- Minimum£5,000
- Maximum£1m
- FSCS Protected? Yes
West Brom Building Society 3 year fixed savings
Customer rating
3.2/5
- AER (fixed)4.4%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Best four-year fixes
4 year fixed savings
Cynergy Bank 4 year fixed savings
Customer rating
4.8/5
- AER (fixed)4.25%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Aldermore 4 year fixed savings
Customer rating
4.2/5
- AER (fixed)4.2%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
RCI Bank 4 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.1%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
Aldermore via Raisin 4 year fixed savings
- AER (fixed)4.09%
- Minimum£1,000
- Maximum£120,000
UBL 4 year fixed savings
- AER (fixed)4.06%
- Minimum£2,000
- Maximum£1m
- FSCS Protected? Yes
Best five-year fixes
5 year fixed savings
Chetwood Bank 5 year fixed savings
Customer rating
4.6/5
- AER (fixed)4.65%
- Minimum£1,000
- MaximumN/A
- FSCS Protected? Yes
Close Brothers Savings 5 year fixed savings
Customer rating
4.9/5
- AER (fixed)4.56%
- Minimum£10,000
- Maximum£2m
Atom Bank 5 year fixed savings
Customer rating
4.9/5
- AER4.55%
- Minimum£50
- Maximum£100,000
- FSCS Protected? Yes
Hodge Bank 5 year fixed savings
Customer rating
4.5/5
- AER (fixed)4.51%
- Minimum£1,000
- Maximum£1m
- FSCS Protected? Yes
DF Capital 5 year fixed savings
Customer rating
3.3/5
- AER (fixed)4.5%
- Minimum£1,000
- Maximum£250,000
- FSCS Protected? Yes
Furness Building Society 5 year fixed savings
Customer rating
4.6/5
- AER4.48%
- Minimum£1,000
- Maximum£250,000
- 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:
