11 Savings Accounts with the Best Interest Rates for 2025

Seeking the best return on your savings? Explore the following top-rated accounts:

Fixed-Rate Bonds

* One-Year: Vida Savings 1 Year Fixed Rate Account - 4.77%
* Two-Year: Atom Bank 2 Year Fixed Rate Account - 4.7%
* Five-Year: JN Bank 5 Year Fixed Rate Account - 4.8%

Variable Savings Accounts

* Easy-Access:
* Chase Saver with a boosted rate account - 5% (for new customers with Chase current accounts for the first 6 months)
* Atom Bank - 4.85% (account opening with £1 required)

* Regular Saver: Principality Building Society Regular Saver Account - 8% (for six-month term, monthly deposits up to £200)

* Notice: Bank of London and the Middle East 90-Day Notice Account - 4.94% (minimum deposit £10,000)

Current Accounts

* Nationwide FlexDirect Current Account: 5% (for balances up to £1,500 for the first 12 months, minimum monthly deposit of £1,000 required)

Cash ISAs

* Easy-Access: Plum Cash ISA - 5.01% (for the first 12 months, including a 1.22% bonus rate)

* One-Year Fixed Rate: Castle Trust Bank 1-Year Fixed Rate Cash ISA - 4.55%

* Two-Year Fixed Rate: Castle Trust Bank 2-Year Fixed-Rate Cash ISA - 4.45%

* Three-Year Fixed Rate: Shawbrook Bank 3-Year Fixed-Rate Cash ISA - 4.42%

Tips for Choosing the Right Account

* Consider your need for access to funds in emergencies.
* Compare rates for different time periods and account types.
* Check if you may exceed your personal savings allowance and consider an ISA to avoid tax.