Top savings accounts of the week: 'Good news' for Brits as provider still offering competitive 7.5% deal after base rate cut

Adam French, head of news at Moneyfactscompare.co.uk, said: "Many best buy savings rates have tumbled following the Bank of England’s Monetary Policy Committee decision to cut the base rate. The Moneyfacts Average Savings Rate starts this week at 3.48 per cent having sat at 3.50 per cent last Monday.

"Locking down a market-leading savings rate is an imperative with inflation now forecast to hit four by the Autumn. The good news is that the market remains competitive despite many providers slashing rates in the past this week."

For the week beginning August 11, 2025, analysts from Moneyfactscompare have compiled a list of the best savings accounts with Virgin Money and Nationwide Building Society making the ranking.

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 – 7.50 per cent AER / 7.36 per cent Gross
• Zopa – 7.10 per cent AER / 6.87 per cent Gross
• The Co-operative Bank – seven per cent AER / Gross
• Nationwide BS – 6.50 per cent AER / Gross
• Virgin Money – 6.50 per cent AER / Gross
• Melton BS – 6.50 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 – 5.80 per cent AER / Gross

Best fixed-rate savings accounts

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

• Vanquis Bank – 4.44 per cent AER / Gross
• Atom Bank – 4.42 per cent AER / Gross
• Habib Bank Zurich plc – 4.40 per cent AER / Gross
• Habib Bank Zurich plc – 4.40 per cent AER / Gross
• Close Brothers Savings – 4.40 per cent AER / Gross
• Tandem Bank – 4.36 per cent AER / Gross
• JN Bank – 4.35 per cent AER / Gross
• JN Bank – 4.35 per cent AER / Gross
• Ford Money – 4.35 per cent AER / Gross
• GB Bank – 4.35 per cent AER / Gross

Best cash ISAs

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

• Shawbrook Bank – 4.31 per cent AER / Gross
• Paragon Bank – 4.28 per cent AER / 4.27 per cent Gross
• Tembo Money – 4.27 per cent AER / Gross
• Vanquis Bank – 4.27 per cent AER / Gross
• Kent Reliance – 4.26 per cent AER / Gross
• Vida Savings – 4.25 per cent AER / Gross
• Charter Savings Bank – 4.21 per cent AER / Gross
• Cynergy Bank – 4.20 per cent AER / Gross
• Aldermore – 4.20 per cent AER / Gross
• United Trust Bank – 4.20 per cent AER / Gross

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

• Chip – 4.70 per cent AER / 4.60 per cent Gross
• Tembo Money – 4.64 per cent AER / 4.54 per cent Gross
• Trading 212 – 4.50 per cent AER / 4.41 per cent Gross
• Moneybox – 4.45 per cent AER / 4.36 per cent Gross
• Plum – 4.41 per cent AER / 4.36 per cent Gross
• Charter Savings Bank – 4.40 per cent AER / Gross
• Principality BS – 4.40 per cent AER / Gross
• Aldermore – 4.40 per cent AER / Gross
• Kent Reliance – 4.38 per cent AER / Gross
• Vida Savings – 4.38 per cent AER / 4.29 per cent Gross

Best easy access savings accounts

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

• cahoot – five per cent AER / Gross
• cahoot – 4.55 per cent AER / Gross
• West Brom BS – 4.55 per cent AER / Gross
• Kent Reliance – 4.41 per cent AER / Gross
• Kent Reliance – 4.41 per cent AER / Gross
• Hodge Bank – 4.40 per cent AER / 4.31 per cent Gross
• Vida Savings – 4.38 per cent AER / Gross
• Charter Savings Bank – 4.36 per cent AER / Gross
• Oxbury Bank – 4.32 per cent AER / 4.24 per cent Gross
• Harpenden BS – 4.31 per cent AER / Gross

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

• Chase – five per cent AER / 4.89 per cent Gross
• Chip – 4.84 per cent AER / 4.74 per cent Gross
• Cynergy Bank – 4.45 per cent AER / Gross
• Principality BS – 4.45 per cent AER / Gross
• Oxbury Bank – 4.36 per cent AER / 4.28 per cent Gross
• Chip – 4.07 per cent AER / four per cent Gross
• Tesco Bank – 4.10 per cent AER / Gross
• Nottingham BS – 4.05 per cent AER / Gross
• Marcus by Goldman Sachs® – 4.01 per cent AER / 3.94 per cent Gross
• SAGA – 4.01 per cent AER / 3.94 per cent Gross

French said: "Most strikingly the top 10 one-year bonds have completely changed week-on week. There were three market-leading providers offering returns of 4.50 per cent last week, now only Vanquis remains, topping the charts with 4.44 per cent, down from 4.50 per cent.

"The next best rate savers can bag is Atom, offering 4.42 per cent. Whereas the best two-, three- and four-year plus bonds remain largely unchanged as providers grapple with falling a base rate but rising inflation forecasts.

"It has been a different story in the Cash-ISAs market with Shawbrook back claiming the top spot for one-, two- and three-year plus fixed term ISAs, offering marginally higher returns than we saw last week.

"After hiking rates last week both Plum and Moneybox made sizeable cuts to their easy access cash ISAs with online provider Chip stepping in to claim the top spot offering new customers a boosted rate of 4.70 per cent for the first 3 months, before it reverts to 3.04 per cent. However, savers should bear in mind that these rates are variable and may rise and fall."