Top EASY-ACCESS deals with rates of up to 5%
Best FIXED-RATE savings with interest as high as 6.2%
CASH ISAS for tax-free savings: Rates as high as 5.78%
The very best of NS&I: Premium Bonds at 4.65%
MONTHLY INCOME seekers: Top rates of up to 6.03%
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Top-fixed rate deals could fall below 5 per cent by the end of the month, savings experts have warned. Headline fixed-rate deals have been cut left, right and centre across different terms. This is Money analysis found that since the base rate was cut to 5% last week, at least 41 savings accounts have had their rates cut .
The Treasury-backed savings bank has launched new two- and five-year fixed-rate versions of its British Savings Bonds for the first time in 15 years. It has also boosted the rate on its existing three-year British Savings Bonds, but for new savers only. We look at what the rules are on the accounts and how they stack up against other deals on the market.
Rate cuts are usually bad news for savers, as banks reduce the interest paid on their savings accounts. We look at some of the rates which have taken a hit.
Welcome to the brave new world of banking, where, at the flick of a wrist it will be possible to apply for a mortgage agreement in principle in ten minutes.
I have an easy-access cash Isa with Plum. On 5 July, I requested £16,000 to be transferred out of the Isa and to my bank. But almost a month on, it still has not happened. Why is the transfer taking so long?
The banking giant has launched a regular saver which allows £250 per month to go in. We take a look at the account.
TSB is offering £100 cashback to be paid into the account in October - and a ramped up cashback offer.
The lucky Premium Bonds numbers from £1,000 up to £1 million are published on This is Money the first working day of the month - and a full day before NS&I updates its prize checker tool
NS&I will offer new one-year Guaranteed Growth Bonds and Income Bond at 5.15% or 5.03% to existing bond holders.
Ford Money's Flexible Saver is an online easy-access account, which you can open with £1, which allows you to withdraw money when you choose.
A saver from Kent has scooped a huge amount from a tiny holding bought when James Blunt (pictured) topped the charts with You're Beautiful.
In the very unlikely event that your bank, building society or credit union goes bust, you should get your savings back thanks to FSCS protection. We explain.
We pick our five favourite cash Isas for savers. This is essential Isa reading and is kept up-to-date throughout the year
Thousands of NS&I customers could be sitting on a Premium Bonds fortune without knowing it. There are six unclaimed £100 prizes and 10 unclaimed £50k prizes, exclusive data from NS&I reveals.
Chip's Isa currently has a limited added bonus of 0.11% for new customers who open an account on its app.
Savers continued their cash Isa rush as £3.4bn poured into tax-free accounts in June, new Bank of England data shows.
Cast your eyes over a savings best-buy table, and you'll find most of the top rates are offered by relatively unknown banks such as Oxbury, Monument and NuWealth. It is easy to leave your money in a less attractive account due to inertia or forgetfulness, but some might feel these rates are too good to ignore - especially when compared to the paltry offerings from most high-street banks. So why are their rates so much better, and what should savers check before they take the plunge?
Banks have started to roll out a raft of new perks to attract students ahead of the new academic year.
The digital bank has launched a cash deposit option for its 9million UK customers, though this is subject to limits and fees.
Fintech is one of the many areas where the UK has competitive advantage. The arrival of the new breed, with slick intuitive systems, which can only get better with AI, is to be applauded. Newcomers are able to shine by offering choices and service levels with which the established high street banks struggle.
Being a student comes with a hefty price tag. For most sudents, it is their first taste of independence.
Popular e-money app Revolut has received a UK banking licence from the regulator after first applying for one three years ago.
Chip's Isa is a flexible, which means savers can take money out and pay it back in without using up part of your £20,000 annual Isa allowance. The only caveat being that you must replace the cash in the same tax year.
A Royal Mint insider told This is Money it will now import coin 'blanks' from countries such as Germany and Turkey.
There was an uptick in people using physical money in 2023 - though most prefer cards and digital payments and two thirds say they would be comfortable leaving their wallet at home.
NatWest reeled in 83,131 new bank account switchers in the first three months of this year. The banking giant managed to entice 60,497 more customers than it lost during this time.
After years of being mollycoddled into paying for goods and services in the form of card transactions, cash and its importance have taken centre stage.
Some areas of London and the East of England would have no ATM machines within the next two years if the current trend of closures continues.
Banks and building societies will have to asses local gaps in access to cash under new rules announced by the FCA. Some three million people rely on cash according to the financial watchdog.
Big banks and building societies are giving incorrect information to savers about Isas, I can reveal.
Savers could need up to £50,000 to have a sufficient emergency savings pot depending on their age and circumstances.
Digital bank Monzo has become the latest bank to branch out into providing debit cards for children. We look at what the account offers and how to sign up for it.
Nationwide's £2.9bn takeover of Virgin Money UK has been cleared by Britain's competition watchdog.
Savers' cash pots have been eroded over the last two years by high inflation, but now 1,622 savings accounts paying an inflation-beating rate.
Nationwide Building Society held its AGM today. The meeting was held online for the second year running. We reveals five of Nationwide members' most pressing questions to the board as the pending Virgin Money takeover took plenty of airtime.
Savers, be on your guard. Rates on some easy-access accounts are already being cut, reducing the reward for prudent saving significantly.
Tomorrow is the last chance for savers to get Chase Bank's easy-access deal paying 5.1%.
Santander has launched a prize draw for new Santander Edge student current account customers containing 50 prizes worth up to £27,750. Here is what you need to know to be in for the chance of winning a prize.
The rise in savings rates means many more people are forced to pay tax on their interest, as they breach the tax-free personal savings allowance.
Savers with closed easy-access savings deals are being short changed if they don't switch to live easy-access deals.
The Financial Ombudsman Service is investigating more scam complaints than ever before, with banking grievances up almost a third in one year.
Nationwide Building Society will scrap passbooks in their current form from the start of February 2025, we can reveal.
Savings experts say the main thing is not how long you have held the bond for, but the amount of bonds you hold.
Take cover. Our savings are likely to be in the line of fire over the next five years as the new Labour government turns its guns on finding more money. We will probably have to wait until the first Budget - which is likely to take place in September - to find out whether crucial savings allowances will be hit.
They have helped prudent households manage their finances through countless onslaughts. Our wealth and savings have been under attack for decades.
We asked the experts whether the allowance could be cut and if Isas could be taxed - or whether savers fears are simply unjustified.
Mikael Armstrong has mustered more than 5000 signatures demanding a vote on the deal - the largest takeover in the sector since the 2008 financial crisis. Armstrong argued that Nationwide's 16 million members, who own Britain's largest building society, should also be balloted. But in a surprise twist, we have learned that Armstrong's various accounts with the society were frozen in April - just as his campaign against the deal was getting into full swing.
Building societies are stepping up to the mark to reward members with top savings rates.
I'm a Nationwide customer and recently, I went to visit the branch on my local high street. However, there was a poster stating it is now closed on Tuesdays and Thursdays.
Barclays has become the latest bank to dangle a carrot in front of customers in an attempt to reel in new business. It is offering a £175 switching bonus to customers who switch to one of its current accounts - but they will need to jump through several hoops first.
Millions of additional rate taxpayers could be faced with a shock tax bill on their savings due to rising interest rates.
Customers of AJ Bell's investing app Dodl can now earn table-topping Isa interest on cash. We explain how it works and look at how it compares.
While soaring inflation has ravaged savers' nest eggs in recent years, one lucky group has remained unaffected. They are the holders of Index-Linked Savings Certificates from National Savings and Investments. What makes these savings accounts special is that they promise to always beat inflation -although only by 0.01 of a percentage point.
Savers have continued their dash for cash Isas with £4.2bn pouring into tax-free accounts in May, new Bank of England data shows.
July's £1m winners come from Hertfordshire and Cumbria, with the winning bonds bought in November 2016 and October 2021 respectively.
It's always a bother when you can't access your money because your bank's app or website is inexplicably down. We reveal why banks suffer service outages, as well as five ways to make sure you're not left in the lurch the next time yours is unavailable.
Millions more savers will be caught in the savings interest stealth tax trap next year.
A new King Charles bank note has sold for £17,000 at a Bank of England Charity auction today, as collectors went into a bidding frenzy.
Barclays is axing its monthly loyalty bonus payments for Blue Rewards scheme members in a shake up of its rewards. Is it still worth keeping now?
Myself and my son became deputies after the stroke, but my husband recovered better than expected and the deputyship was removed.
In my view, a flexible cash Isa is the best type of savings account that you can have and an essential building block for managing your money.
The idea that tech-savvy youngsters are less likely to fall victim to scams online is a misconception, new figures suggest. Over the last 12 months, Gen Z and Millennials accounted for 65% of scams reported, data from money app Revolut reveals - with a scam expert putting it down to the fact they do more of their banking online.
I am new to the UK and I want to look into opening a cash Isa. I would like to know two to three withdrawals a year could be made for emergencies if needed. Where do I start?
With the inflation dragon appearing to have been slain, falling to the 2% target in recent data, there is a risk that savings rates could similarly plummet.
Savers opening a new bank account are unable to speak to a real human at seven in ten British banks and building societies, The Mail on Sunday can reveal. Most banks do not have any customer service staff available to support those opening a new current or savings account, according to research for Investec Bank. Instead, new customers must direct their questions at an online chatbot - or worse, are left relying on information available on the bank's website.
Retired couple Ray and Frances Dykstra ooze loyalty. They have been married for 48 years and have spent their lives together in the village of Warboys, Cambridgeshire.
Recently I found some buried treasure in the form of a mysterious silver coin - although the most valuable thing about it turned out to be its history.
Bank customers have found it harder to withdraw large sums of their own money over the counter at banks to use for the likes of building work or buying a used car. Some customers find themselves being asked for proof of an invoice, while others are point bank denied access to their own money. So just how easy is it to withdraw £5,000 from your bank if you needed a job or item paying in cash?
The use of cash has dropped steeply over recent years. Many people now prefer the ease of banking online and using contactless payments.
The Bank of England has opted once again to hold the base rate at 5.25%, despite inflation falling to the 2% target. We explain what that means for your money.
Revolut's debit card airmiles loyalty scheme RevPoints has just landed in the UK. Customers will be able to transfer RevPoints they collect to British Airways Avios points. We take a look to see if it's any good.
Savers are pouring money into cash Isas as they look to protect the interest on their nest eggs from tax. They put more than £11bn into cash Isas in April.
The Post Office has moved so far from its traditional roots in sending letters and parcels that most of its income now comes from financial services.
I am having some work done to my house. After receiving a few quotes, one builder who came highly recommended agreed to do the job for £5,000. But he has asked to be paid for the job cash-in-hand. Is this legal?
When you think of generative AI and fraud, your mind might not immediately conjure up images it being used as a force for good.
With 6,000 bank branches closing since 2015, Labour has announced its commitment to bringing more banking hubs to Britain's high streets.
We have been loyal members of Nationwide Building Society since 1974. During this time we have paid off our mortgage and have had a number of savings accounts with them. Currently, my wife and I have in excess of £100,000 held with Nationwide. We have both a savings account and a current account, so thought we would get the £100 fairer share bonus - but we won't. Why?
A new King Charles bank note has sold for £11,000 at a Bank of England Charity auction today, as collectors went into a bidding frenzy.
Marcus will cut the rate on its easy-access savings account to 4.55% from Saturday - can you find better rates elsewhere?
Readers often ask me which is the best regular savings account. These are accounts designed for savers who put money aside every month and reward them with a generous interest rate. I wish there were a simple answer, and I could just recommend the account with the best rate. But what should be a straightforward account is usually wound up with reams of terms and conditions.
Co-op has become the latest bank to attempt to reel in customers by offering a cash bonus - we explain how to get it.
Bidders have the unique opportunity of owning extremely low serial numbered £5 and £10 notes, we can reveal.
New banknotes which carry the portrait of King Charles III are now being offered on eBay for as much as £150. The notes entered into circulation yesterday and are proving popular with collectors, who will be hoping to snap up examples with low serial numbers while they are still in good condition.
Barclays, HSBC, Lloyds, Santander and NatWest continue to offer easy-access rates far below average, despite finance watchdog telling them to give savers 'fair value'.
New bank notes featuring King Charles III will enter circulation for the first time today - here are the codes of the very first printed.
Work out how a lump sum or regular monthly savings would grow
Chip* pays 4.84% to holders of its ‘instant access account’. The account can be opened with just £1. Its app only. Money will be held by the UK authorised bank ClearBank.
Charter Savings Bank pays 5.08% to holders of its ‘easy-access savings account’. The account can be opened with £1,000.
MBNA pays a rate of 5.27% on its one-year fixed rate savings account. This deal must be opened online on MBNA’s website and then managed by phone. The minimum deposit is £1,000.
Raisin UK* is home to a 5.05% one-year fixed rate savings account. It is offered by one of its partner banks Paragon Bank. You can open the account online via Raisin’s savings platform with a minimum deposit of £1,000.
Hampshire Trust Bank pays 5% to holders of its ‘two-year fixed rate deal’. The account can be opened online with a minimum deposit of £1.
contrary to a common myth, you do not need to own the maximum holding of £50,000 to bag one of the two £1m prizes. This is Money analysed data from the past 50 Premium Bond draws and the 100 millionaires created over that time, stretching back to May 2020.
Americans are already keen on UK-made coins, and the Mint said it has seen a 118 per cent increase in sales to the US since 2022.
Savings platforms tell me they are becoming ever-more popular. And they are determined to bring their wares to a wider public.
| Prize | Area | Value of bond |
| £1,000,000 | Outer London | £600 |
| £1,000,000 | Devon | £20,000 |
| £100,000 | Kent | £5,000 |
| £100,000 | Kent | £100 |
| £100,000 | Hertfordshire | £47,000 |
| £100,000 | Gwent Valleys | £15,000 |
| £100,000 | Humberside | £20,000 |
| £100,000 | Devon | £500 |
The secret to saving success is compound interest. Over the long-term this earns you interest on the interest on your savings and boosts your returns. This calculator works out how much a regular monthly savings scheme could make and how much a lump sum investment could be worth.
Chase Bank will pay £1% cashback on spending for the first 12 months. Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.
Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.
Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.
First Direct will give newcomers £175 when they switch their account. It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.
NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.
How hard does your bank account work for you? Hard enough to give you cashback on your household bills, interest on your balance or simply standout customer service? Here is our pick of the best accounts to make your money work harder, cut down on fees, or get free stuff.
A new wave of savings platforms have emerged in recent years which help savers keep track of their accounts more easily and move money into better rates after signing up. We round them up, look at the top rates from savings platform Raisin and reveal whether they beat the best buys in our independent This is Money savings tables.
| Prize | Area | Value of bond |
| £1,000,000 | Outer London | £600 |
| £1,000,000 | Devon | £20,000 |
| £100,000 | Kent | £5,000 |
| £100,000 | Kent | £100 |
| £100,000 | Hertfordshire | £47,000 |
| £100,000 | Gwent Valleys | £15,000 |
| £100,000 | Humberside | £20,000 |
| £100,000 | Devon | £500 |
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