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Best easy access savings account rates in United Kingdom

The "up to" figure is the bank's own advertised maximum; the base rate is what you earn with no conditions met. Read daily from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

Bank	Max rate p.a.	Base rate	What the top rate needs	Link
Chase UKChase saver account	up to 4.50%	2.25%	Standard variable rate on the easy-access saver; the higher figure includes a 2.25% AER boost fixed for 12 months for new customers. Needs a Chase current account.	Go to bank
NS&I (National Savings and Investments)Direct Saver	up to 3.75%	–	Easy access, variable rate, from £1; HM Treasury backed.	Go to bank
Zopa BankSmart Saver (Access pot)	up to 2.95%	–	Variable AER on the instant-access Access pot of the Smart Saver (app only, from £1). Limited Access and Fixed Term pots pay more but restrict withdrawals.	Go to bank

Bonus rates usually apply only to part of your balance and only in months you meet every condition. Read the bank's terms before moving money.