Last updated: 14 October 2026
By Stiv · Design, technology and personal finance
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This guide is for information only and does not constitute financial advice. CoolCuration is not authorised by the Financial Conduct Authority.
Every rate here was read off the bank’s own page tonight
Picking the best savings account UK savers can open comes down to one question: how soon do you need the money back? Get that right and the rate follows. So I checked every figure below directly on each provider’s own website on 14 October 2026, rather than lifting it from a comparison table.
The Bank of England base rate sits at 3.75%, held at the most recent decision. Easy access tops out near 5%, one and two year fixes sit around 5%, and the best regular savers still pay 8%. Below you will find easy access, notice accounts, regular savers, fixed bonds, cash ISAs and NS&I, each with the deposit-taker named.
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