Best savings accounts of the week: Savers must 'bag' high interest rates as banks offering 7.5% - full list

Ahead of expected interest rate cuts from the central bank in the months ahead, analysts are urging savers to take advantage of high interest accounts while they remain on the market.

Experts from Moneyfactscompare have compiled a list of the best savings accounts for the week beginning September 8, 2025:

Best regular savings accounts:

Here is a list of the best regular savings accounts currently on offer for the week with interest rates attached:

• Principality BS – 7.5 per cent AER / 7.3 per cent Gross
• Zopa – 7.1 per cent AER / 6.9 per cent Gross
• The Co-operative Bank – Seven per cent AER / Gross
• Monmouthshire BS – Six per cent AER / Gross
• Darlington BS – Six per cent AER / Gross
• West Brom BS – Six per cent AER / Gross
• Market Harborough BS – 5.8 per cent AER / Gross
• Progressive BS – 5.5 per cent AER / Gross
• NatWest – 5.5 per cent AER / 5.4 per cent Gross.

Best fixed-rate savings accounts

Here is a list of the best savings accounts offering a one-year fixed interest rate:

• Chetwood Bank – 4.5 per cent AER / Gross
• Atom Bank – 4.4 per cent AER / Gross
• Cynergy Bank – 4.4 per cent AER / Gross
• JN Bank – 4.39 per cent AER / Gross
• Tandem Bank – 4.37 per cent AER / Gross
• Habib Bank Zurich plc – 4.36 per cent AER / Gross
• Habib Bank Zurich plc – 4.36 per cent AER / Gross
• JN Bank – 4.35 per cent AER / Gross
• DF Capital – 4.35 per cent AER / Gross
• Zenith Bank (UK) Ltd – 4.35 per cent AER / Gross.

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Best cash ISAs

Here is a list of the best cash ISAs with a one year fixed interest rate attached currently on offer:

• Vida Savings – 4.31 per cent AER / Gross
• Shawbrook Bank – 4.31 per cent AER / Gross
• Cynergy Bank – 4.3 per cent AER / Gross
• Tembo Money – 4.27 per cent AER / Gross
• Charter Savings Bank – 4.24 per cent AER / Gross
• Kent Reliance – 4.23 per cent AER / Gross
• Vanquis Bank – 4.21 per cent AER / Gross
• Aldermore – 4.2 per cent AER / Gross
• United Trust Bank – 4.2 per cent AER / Gross
• Close Brothers Savings – 4.2 per cent AER / Gross.

Here is a full list of the best cash ISAs with a variable interest rate attached currently on offer:

• Trading 212 – 4.5 per cent AER / 4.4 per cent Gross
• Principality BS – 4.4 per cent AER / Gross
• Vida Savings – 4.38 per cent AER / Gross
• Plum – 4.35 per cent AER / 4.3 per cent Gross
• The Stafford BS – 4.35 per cent AER / Gross
• Kent Reliance – 4.32 per cent AER / Gross
• Chip – 4.32 per cent AER / 4.2 per cent Gross
• Charter Savings Bank – 4.31 per cent AER / Gross
• Harpenden BS – 4.31 per cent AER / Gross
• Family Building Society – 4.3 per cent AER / Gross.

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Best easy-access accounts

Here is a full list of the best easy access savings accounts without a bonus attached:

• Cahoot – Five per cent AER / Gross
• Cahoot – 4.4 per cent AER / Gross
• Vida Savings – 4.38 per cent AER / Gross
• Kent Reliance – 4.33 per cent AER / Gross
• Kent Reliance – 4.33 per cent AER / Gross
• Charter Savings Bank – 4.31 per cent AER / Gross
• Harpenden BS – 4.31 per cent AER / Gross
• Snoop – 4.3 per cent AER / 4.2 per cent Gross
• Spring – 4.3 per cent AER / 4.2 per cent Gross
• Close Brothers Savings – 4.3 per cent AER / Gross.

Here is a full list of the best easy access accounts with a bonus attached:

• Chase – 4.75 per cent AER / 4.65 per cent Gross
• Principality BS – 4.45 per cent AER / Gross
• Oxbury Bank – 4.36 per cent AER / 4.28 per cent Gross
• Nottingham BS – 4.35 per cent AER / Gross
• Chip – 4.32 per cent AER / 4.24 per cent Gross
• Skipton BS – 4.12 per cent AER / Gross
• Tesco Bank – 4.1 per cent AER / Gross
• Chip – 4.07 per cent AER / 4 per cent Gross
• Cynergy Bank – Four per cent AER / Gross
• Post Office Money – 3.95 per cent AER / Gross.

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Adam French, the head of News at Moneyfactscompare, said: “Many providers made multiple changes to their fixed and variable rate savings products in the last week.

"We’ve seen an increase in rates from TSB, NatWest Group and Charter Savings Bank and rate reductions from Yorkshire Building Society and Barclays Bank, among others. As a result, the Moneyfacts Average Savings Rate dropped from 3.46 per cent last week to 3.44 per cent today.

"The cost of Government borrowing has been grabbing headlines in recent weeks, which has caused a degree of turbulence in the savings and mortgage markets as some banks and building societies look again and how to price their products.

"The good news is that the market remains competitive, and it is still possible to bag a market-leading savings rate that beats current inflation forecasts of four per cent."