This week's top savings deals explained

Last updated: 2 April 2026 at 12:35

Easy access savings rates held steady as the top one- and five-year bonds increased this week.

This week brings a few notable increases to our fixed bond sector, with the leading one-year and five-year rates seeing sizeable hikes – thanks to rises from Vida Savings and Market Harborough BS bringing both rates to 4.60% AER.

Other providers have made competitive hikes near the top of our bond charts, including MBNA, Habib Bank Zurich plc, Kent Reliance, Castle Community Bank, Close Brothers Savings, Vanquis Bank, OakNorth Bank and Atom Bank.

What’s more, the top 90-day notice account has also seen a healthy uptick this week, with OakNorth Bank now leading the sector.

Elsewhere, the top two- and three-year bond rates have fallen slightly from last week. Meanwhile the leading easy access rates have held firm with Tembo Money’s HomeSaver continuing to lead the sector paying 4.75% AER (inclusive of a 1.75% 12-month bonus).

Below is a list of accounts that currently offer the best easy access, fixed and notice savings rates. These products are all available to new customers with a £10,000 deposit. Note that higher rates may be available to existing customers or those who are willing to save more than £10,000.

You can also visit our charts to compare rates from across the whole of the savings market.

Easy access accounts

For another consecutive week, Tembo Money’s HomeSaver tops our easy access chart, paying 4.75% AER monthly inclusive of a 1.75% bonus for 12 months. This app-only account can be opened with a minimum deposit of £10 and allows savers penalty-free access to their pots after this – however, note that all further additions and withdrawals should be done via a nominated account. A higher rate of 5.75% AER is available on this account if savers take out a qualifying mortgage with Tembo Money, subject to conditions. To discover more about this, head to our chart.

Chase’s Chase Saver With Boosted Rate remains in second place this week, still offering 4.50% AER, including a 2.23% monthly 12-month bonus. However, this rate is only available in the first 31 days of being a new Chase current account customer. No minimum deposit is stated to open this account by mobile app, and while further contributions can be made without restriction, be aware that a daily external transfer limit of £25,000 applies on withdrawals.

One provider continuing to offer 4.25% AER and place third on our chart is DF Capital on its Easy Access Account (Issue 7). It can be opened online with a minimum £1,000 deposit and added to via a nominated account afterwards. Once funded, the account can also be managed over the phone.

Dudley BS also continues to pay a flat rate of 4.25% AER on anniversary on its 1 Access Bonus Saver, which is available in branch or by post with an opening deposit of £1,000 or more. Note that you can only make one withdrawal per year before a lower rate of 3.35% AER applies.

Another provider still offering 4.25% AER is LHV Bank. Its Easy Access pays interest monthly and can be opened via mobile app – with no minimum deposit required. Any further access must be made via an LHV Current Account.

Mansfield BS joins the above providers in paying 4.25% AER on its Triple Access Bonus Saver (1^st Issue), which includes a 1.00% bonus for 12 months. This account can be opened in branch or by post with a deposit of £1 or more and allows further additions while the issue remains open. Savers will be able to make up to three withdrawals per year, including account closure.

Fixed rate bonds

Vida Savings leads our one- and two-year bond charts following increases, with this seeing the one-year rate rise and the two-year rate dip slightly from last week. The provider’s 1 Year Fixed Rate Bond and 2 Year Fixed Rate Bond pay 4.60% AER and 4.61% AER monthly or on anniversary. They can be opened online with a minimum £1,000 deposit (and additionally managed by app after this) and allow further contributions for 21 more days via a nominated account. As is typical for fixed rate bonds, early access isn’t allowed.

The top three-year bond rate has dipped slightly to 4.52% AER this week, with Close Brothers Savings three-year Fixed Rate Bond paying this after a hike. Available online with a sizeable minimum deposit of £10,000, it can be additionally managed via post or phone after this. Further contributions are allowed for 10 days from opening via a nominated account.

There’s been an increase at the top of our five-year bond chart after Market Harborough BS raised the rate on its Fixed Term Bond 12 (31.07.2031) and Fixed Term Bond 11 (31.07.2031) to offer 4.60% AER until 31 July 2031 (with the former paying interest monthly and the latter yearly). They can be opened online or in branch with a deposit of £5,000 or more and added to for 10 more days.

Notice accounts

One provider continuing to place first on our up to 30-day notice chart is United Trust Bank’s UTB 30 Day Notice paying 3.90% AER yearly. While a minimum deposit of £5,000 is required to open the account online, be aware that a balance of £10,000 or more must be maintained to get the headline rate. If the balance falls below £10,000, a lower rate of 3.85% AER applies instead. It can additionally be managed by post or over the phone once funded, but note that any further access must be made via a nominated account. As they can’t access their money early, savers will need to wait 30 days before getting their cash.

Joining United Trust Bank in offering 3.90% AER and topping our up to 30-day notice chart alongside the provider is RCI Bank UK’s RCI Bank E-Volve Savings 14 Day Notice Account. Interest is paid monthly or on anniversary on this account, which asks for a minimum £100 deposit to open online – and can be managed by mobile app after this. All further access should be via a nominated account and, as early access isn’t allowed, savers will have to serve the smaller 14-day notice period before getting their hands on their withdrawn money. This account could appeal to eco-conscious savers in particular as all funds deposited will be used for financing electric vehicles, charging points and future green transportation projects.

Aldermore’s 45 Day Notice Account (Issue 7) remains in the leading position on our up to 60-day notice chart, paying 4.05% AER monthly or on anniversary. This online-only account can be opened with a deposit of £1,000 or more. If savers want to withdraw money, they will need to wait 45 days before getting the funds.

There’s been an uptick at the top of our up to 90-day notice chart with OakNorth Bank’s 90 Day Notice Savings Account – Issue 39 now paying 4.15% AER monthly (inclusive of a 1.00% 12-month bonus). Available online and by mobile app to new customers only with a minimum £1 deposit, note that any further access should be via a nominated account. To gain access to withdrawn money, savers will need to wait 90 days.