Top savings accounts 2025: where to find the best rates for your cash

Millions of savers risk losing money in real terms this year. Thankfully, there are still places to move your cash if you want a decent return.

Savers are in for a challenging time in 2025 as inflation soars while savings rates falter.

Inflation jumped sharply from 2.5% to 3% in January and is forecast to rise as high as 3.7% this year, according to the Office for Budget Responsibility.

By contrast, savings rates have fallen in the 12 months, with analysis by Moneyfacts showing the average access account rate has fallen from 3.18% to 2.84% while one-year fixed-rate accounts plummeted from 4.61% to 4.15%. 

Thankfully, it is still possible to protect your cash from the ravages of inflation – provided you're willing to move your money.

While loyal savers are often left earning miserly rates of interest, switchers can earn up to 7.5% on small pots of cash and up to 5.26% on larger sums.

So, let's look at the best rates currently available.

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Regular savers: up to 7.5%

Regular savings accounts have long offered the best rates around.

They're generally best suited for new savers as they don't allow you to deposit a lump sum upfront.

Instead, you make regular monthly contributions and get the money back with interest after one year.

So, what rates can you get?

Principality Building Society offers a brilliant 7.5% rate on its Regular Saver, but unfortunately, it's just a six-month account, and you can only deposit up to £200 per month.

If you'd like to set a little more aside or save for longer, First Direct has a 7% regular saver that's fixed for one year and allows deposits of up to £300 per month.

The catch here is that you'll need to have a First Direct current account to qualify. 

If you don't bank with them, it's worth pointing out it is currently offering a generous £175 bung to new customers.

On top of this, its 1st Account comes with a £250 interest-free overdraft and First Direct regularly tops the tables for customer service.

Cash ISAs: earn up to 5.26% (for three months)

The best rate on an easy-access Cash ISA right now is from Chip, which pays 5.26% for three months on minimum deposits of £1, falling to 4.32% thereafter.

Note, you’ll need to open an account online or via the app.

It is also a flexible access ISA, meaning you can take money out and return it in the same tax year.

If you’re looking for a big name, the Post Office pays 4.4% on minimum deposits of at least £100, dropping to 1.25% after one year.

Current accounts: up to 5%

If you'd like to earn interest on your monthly finances, you can earn a handy 5% for 12 months on balances of up to £1,500 with Nationwide's FlexDirect. 

You’ll also have access to a regular saver paying 6.5% AER for one year if you put away more than £200, falling to 1.75% if you make four or more withdrawals per year.

 The building society is also currently paying a £175 bung to anyone signing up to one of its current accounts, which in truth will be worth far more than the interest you'll earn.

Find the best alternatives in our roundup of current accounts that pay in-credit interest 

Notice accounts: up to 4.8%

The best account we could find was Oxbury Bank, which pays 4.8% on a 90-day period.

Deposit limits are £1,000 to £500,000.

The provider also pays 4.76% on its 60-day notice account.

Again, limits are between £1,000 to £500,000.

Best easy/instant access savings: up to 4.76%

An easy-access account could be a great choice if you need to get hold of money quickly in the event of an emergency or want to access funds regularly.

App-based Chip offers 4.76% with unlimited penalty-free withdrawals, starting from a minimum of £1.

Note, this includes a bonus of 1.26% for three months.

If you'd rather opt for an account with a more consistent rate, GB Bank offers 4.6% and unlimited penalty-free withdrawals.

Best fixed-rate savings: up to 4.65%

For the past couple of years, the best fixed-rate deals were generally those with shorter terms of 12 months or fewer.

These days, there's not much difference between the shortest – and longest-term bonds, so it all depends how long you want to lock your money away.

If you're after a shorter-term bond, the best rate we could find is 4.65%, available through Cynergy Bank for one year.

Looking for a longer-term deal?

Secure Trust Bank is the current market leader on five-year fixes, paying 4.56% on deposits between £1,000 and £1 million.

Best savings rates: where to earn the most interest on your cash

Here's a table with all the top deals for you to compare at a glance.

The account you go for will probably be determined by the amount you have to save and whether you want instant access to your money.

Please note that we've only included the highest-paying account from each category.

Remember, sometimes you'll need to open another account with a provider to access certain savings rates.

Time to consider investing?

If you're sure you don't need to access your money anytime soon, you'll likely achieve a better return over the long term by investing (five years or more).

If you are comfortable taking on some risk for potentially better returns, you could consider investing in the stock market (capital at risk).