Top savings accounts of the week: Britons urged it's 'imperative' to lock in market leading rates up to 7.5% - full list

Experts from Moneyfactscompare have compiled a list of the best savings accounts for the week beginning August 26, 2025.

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Britons are being reminded to lock down deals offering interest rates of up to 7.5 per cent before banks beginning to make cuts.

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
• 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
• Progressive BS – 5.50 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:

• JN Bank – 4.41 per cent AER / Gross
  
• Atom Bank – 4.36 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
• Cynergy Bank – 4.34 per cent AER / Gross
• Cynergy Bank – 4.33 per cent AER / Gross
• Close Brothers Savings – 4.33 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
• Tembo Money – 4.27 per cent AER / Gross
• Charter Savings Bank – 4.27 per cent AER / Gross
• Kent Reliance – 4.23 per cent AER / Gross
• Vanquis 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
• Close Brothers Savings – 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
  
• Trading 212 – 4.50 per cent AER / 4.41 per cent Gross
• Plum – 4.41 per cent AER / 4.36 per cent Gross
• Principality BS – 4.40 per cent AER / Gross
• Vida Savings – 4.38 per cent AER / 4.29 per cent Gross
• The Stafford BS – 4.35 per cent AER / Gross
• Kent Reliance – 4.32 per cent AER / Gross
• Charter Savings Bank – 4.31 per cent AER / Gross
• Harpenden BS – 4.31 per cent AER / Gross
• Family Building Society – 4.30 per cent AER / Gross

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 – 4.40 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 – 4.30 per cent AER / 4.21 per cent Gross
• Spring – 4.30 per cent AER / 4.22 per cent Gross
• Close Brothers Savings – 4.30 per cent AER / Gross

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

• cahoot – Five per cent AER / Gross
  
• cahoot – 4.40 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 – 4.30 per cent AER / 4.21 per cent Gross
• Spring – 4.30 per cent AER / 4.22 per cent Gross
• Close Brothers Savings – 4.30 per cent AER / Gross

Adam French, Head of News at Moneyfactscompare.co.uk, said: "It has been a muted week in the savings market with the Moneyfacts Average Savings Rate remaining unchanged at 3.47 per cent.

"However, savers should be warned that the start of a new month looms which tends to bring with it a raft of rate changes – most likely reductions given the recent Bank of England Base Rate cut.

"Locking down a market-leading savings rate is an imperative with less than half (953 out of 2,011) of available savings accounts on the market beating the current CPI inflation figure of 3.8 per cent, which is forecast to hit four per cent before too long.

"The cost-of-living pressure inflation can bring is bad enough, without the real terms’ erosion of the value of our hard-earned savings too."