Best fixed-rate savings accounts (October 2025)

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.

Best fixes under a year

Best 12-month fixed savings accounts

Best 18-month fixes

Best two-year fixes

Best three-year fixes

Best four-year fixes

Best five-year fixes

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.

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.

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.

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.

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:

• Al Rayan
• Gatehouse
• QIB via Raisin