Overview
- Regular saver accounts lead the tables, with Principality offering 7.5% AER and Zopa at 7.1%, though monthly deposit caps and access rules apply.
- Top easy-access deals cluster around 4.5% to 5% AER, often via challenger brands or offers that include 12-month bonuses and restricted withdrawals.
- One-year fixed rates sit just under 4.5% AER at providers such as LHV Bank and Habib Bank Zurich, reflecting recent repricing.
- Spring’s analysis of CACI data estimates nearly £32bn is parked in accounts paying 1% or less, with 77% of that held in balances above £10,000.
- Moneyfactscompare estimates a saver with £25,000 could earn about £777 more per year by switching from typical high-street rates to a leading easy-access account.