November 2025’s savings round-up & news

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.

Some articles on the site contain affiliate links, which provide a small commission to help fund our work. However, they won’t affect the price you pay or our editorial independence. Read more here.

November’s savings news

Three new regular savers above 6.5%

Good news for those who can’t be bothered to open a current account in order to get a high paying regular saver. Three building societies – Progressive, Principality and Scottish – have released new accounts paying between 6.5% and 7% that anyone can open. Here’s more on each one:

7% from Progressive Building Society

The Online Regular Rainy Day Saver account allows up to £300 a month to be added, and lasts for the usual 12 months. The very hard to beat rate of 7% is variable. It’s an online only account

6.5% from Principality Building Society

This is a fixed rate of 6.5%, so you know it won’t change over the next 12 months. It’s designed to help you save for Christmas 2026. There’s a maximum of £150 a month that can be added. No early withdrawals are allowed.

6.5% from Scottish Building Society

You can add up to £250 a month to this account, and withdrawals are allowed. Unlike the others this is only for post and in branch applications – but that’s good news for those who don’t want to use online banking. The 6.5% rate is variable.

Zopa Biscuit adds boosted 4.75% easy access saver

The Biscuit current account from Zopa is already worth a look for savers thanks to the 7.1% regular saver and 2% in account interest. And now it’s got even better for savers.

You can get a 1.5% boost on Zopa’s easy access rate for 12 months, which means it currently sits at 4.75%. Though a handful of accounts pay more, this one doesn’t have a restriction on balances, so it’s good for savers with larger balances.

However you do need to deposit £500 a month into the Biscuit account to get the bonus. That cash doesn’t need to stay there, so you can withdraw it straight away. It also doesn’t need to be deposited in one go, so smaller amounts can be added to qualify.

Ulster offers 4.5% easy access

If you don’t fancy opening up a Zopa current account, then you can get a decent 4.5% in the Limited Edition Saver from Ulster Bank. This has a 2.72% bonus for a year, and you need to have at least £5,000 saved to get this rate. After 12 months the account will change into a far lower paying option, so make a note to move your money.

Plum Cash ISA changes access rules

There’s good news if you have or open a Cash ISA from Plum. The three withdrawals limit to receive the bonus has been withdrawn, so you can take out money as much as you want without being pushed to a lower rate.

It’s worth noting that the bonus is only for the first 12 months, so if you’re past a year with the account you’ll find higher rates elsewhere. You’ll also lose the bonus if you transfer money out to a different provider.

Also, the Plum Cash ISA isn’t flexible. So any withdrawals you make will impact the total you can pay in over a year. With possible changes to Cash ISA allowances coming soon, it’s worth avoiding taking cash out of ISAs if you can.

Santander offers an extra chance to get an Edge Saver

The Edge Saver from Santander has been our top pick since launch. It currently pays 6% for a year on balances of up to £4,000.

You need an Edge current account to get one, and until you’ve been limited to just one of each, though you could get another if you also opened an Edge current account. This meant a couple with a personal current account each and joint account could open a total of four Edge Savers.

There’s now a new current account from Santander that also allows you to open an Edge Saver – the Santander Edge Explorer.

Of course, all these accounts come with a fee which eats into the interest rate. The Edge Explorer costs £17 a month, but comes with insurances. The Edge is £3, and this can be avoided if you don’t add any direct debits to the account.

Tembo offers 2% savings boost for home buyers

A new account from Tembo called the Home Saver will pay a 2.5% bonus for 12 months if you use the deposit within three years towards a home purchase or remortgage deal via their brokerage service.

The rate at launch is 3% (tracking at 1% below the base rate), meaning a total of 5.5% towards your home. There’s a cap of £20,000 that can be added to the account.

If you don’t use it via Tembo or within three years then you won’t get the bonus.

First time buyers can of course use this alongside a Lifetime ISA to get more for their initial deposit.

Base rate cut could happen this month

The next Bank of England MPC meeting takes place on Thursday 6 November. It’s where they decide whether to change the base rate, which can impact the interest rate provided on savings.

Until last week it was looking incredibly unlikely there will be a cut at this meeting, but a few banks, including Barclays and Goldman Sachs have said they think there will be one!

We’ll update you with what happens in our base rate change analysis article.

Budget set for this month

Finally, the Budget takes place on 26 November and it’s could see some big changes to both Cash and Stocks & Shares ISAs.

As we’ve previously covered, actual changes are still just speculation at this stage, but a cut to the Cash ISA allowance certainly looks like it’s on the cards.

There could also be a new requirement for part of an investment portfolio to be in UK equities.

We’ll report in full here on the site and on our YouTube channel on the day of the Budget.

November’s savings offers

We’ll share any other deals in our savings deals page if any more come along.

Top savings accounts for November 2025

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 3/11/25

• 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
• Zopa (4.75% AER variable, includes 1.5% bonus for 12 months)
• Chase Saver (4.5% AER variable, includes 2% bonus for 12 months) – new customers only

Easy & limited access picks as of 3/11/25

• Cahoot Sunny Day Saver (5% AER variable) – max £3,000, 12 months only (+ £25 via TopCashback)
• Ulster Bank (4.5% AER variable includes bonus for 12 months) – min £5,000
• Monument (4.41% AER variable, includes bonus for 12 months)
• Cahoot Simple Saver (4.4% AER variable)

Can open in branch/phone/post

• Coventry Building Society (4.3% AER variable) – max four withdrawals a year, 12 months only

Easy & limited access ISA picks as of 3/11/25

• Trading 212 (4.53% AER variable, includes bonus for 12 months) – flexible, new customer rate only
• Moneybox (4.52% AER variable, includes bonus for 12 months) – limited access, new customer rate only
• Plum (4.45% AER variable, includes bonus for 12 months) – new customers only

Can open in branch/phone/post

• Coventry Building Society (4.15% AER variable) – max five withdrawals a year, flexible, 12 months only

Notice accounts picks as of 3/11/25

• 3 months notice OakNorth (4.54% AER variable): 95-days notice
• 4 months notice Oxbury(4.54% AER variable): 120-days notice
• 6 months notice Oxbury(4.55% AER variable): 180-days notice

Fixed savings accounts picks as of 3/11/25

• 6 months Monument (4.4% AER fixed)
• 9 months LHV (4.3% AER fixed)

• 12 months LHV (4.46% AER fixed)
• 12 months NBE via Raisin (4.35% AER fixed + up to £150 bonus = up to 4.75% equivalent)

• 18 months First Save (4.25% AER fixed)
• 2 year First Save (4.44% AER fixed)
• 3 year Castle Community (4.47% AER fixed)

• 4 year JN Bank (4.39% AER fixed)
• 5 year Afin Bank (4.55% AER fixed)

Fixed ISA accounts picks as of 3/11/25

• 12 months Vida (4.28% AER fixed)
• 2 years UBL (4.16% AER fixed)
• 3 years Secure Trust (4.13% AER fixed)
• 4 years UBL (4% AER fixed)
• 5 years Secure Trust (4.23% AER fixed)

Lifetime ISA pick as of 3/11/25

• Moneybox Lifetime ISA (4.3% AER variable, incl 12 month bonus)

Regular Saver accounts (exisiting customer) picks as of 3/11/25

• Zopa Regular Saver (7.1% AER variable): max £300 a month
  • requires a Biscuit (by Zopa) current account
• First Direct Regular Saver (7% AER fixed): max £300 a month
  • requires a First Direct current account
• Co-operative Bank Regular Saver (7% variable): max £250 a month
  • Requires a Co-op Bank current account

Regular Saver accounts (for all) picks as of 3/11/25

• Principality Building Society (7.5% AER fixed for six months): max £200 a month
• Progressive Building Society (7% AER variable): max £300 a month
• Scottish Building Society (6.5% AER variable): max £250 a month

Important

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