What this page is
A permanent, dated record of the best UK savings rates and the Bank of England base rate — reviewed at least monthly, updated whenever a headline rate moves, and never overwritten. Where a comparison table shows you today’s rates, this page shows you how they got here: every move, with the date it happened and the provider that made it. Free to use and free to cite.
The Monetary Policy Committee held Bank Rate at 3.75% at its meeting on 30 July 2026, having also held at the 18 June meeting. Source: Bank of England — the interest rate (Bank Rate).
Savings rates do not track Bank Rate mechanically. Easy-access rates tend to follow it down quickly and up slowly; fixed-rate bonds price off where markets expect Bank Rate to be over the term, so they often move before a decision rather than after it.
Being built in the open. Only the easy-access row is verified and published so far. The other account types show “Not yet verified” on purpose — a rate only goes into this table once it has been checked against the provider’s own website on the date shown. We would rather leave a row empty than publish a figure we cannot stand behind.
Each figure below is the best widely-available UK rate we could verify on the date shown. “Widely available” means open to new customers nationally, without requiring an existing relationship, a local branch, or a linked current account — we note it where a restriction applies.
| Account type | Best rate | Provider | Last verified | Full comparison |
|---|---|---|---|---|
| Easy access | 4.75% AER | See guide | 2 Aug 2026 | Easy access → |
| Regular saver | Not yet verified | — | — | Regular savers → |
| Cash ISA | Not yet verified | — | — | Cash ISAs → |
| 1-year fixed | Not yet verified | — | — | Fixed-rate bonds → |
| Notice account | Not yet verified | — | — | Notice accounts → |
| Children’s | Not yet verified | — | — | Children’s savings → |
Every recorded move, newest first. Entries are never edited or deleted once published — if we get something wrong we add a correction line rather than overwriting it. That is what makes this page worth citing.
| Date | What changed | From → to |
|---|---|---|
| 2 Aug 2026 | Tracker started. Baseline recorded for best easy-access rate and Bank Rate. | Easy access 4.75% AER · Bank Rate 3.75% |
| 30 Jul 2026 | Bank of England held Bank Rate. | 3.75% → 3.75% (no change) |
| 18 Jun 2026 | Bank of England held Bank Rate. | 3.75% → 3.75% (no change) |
Rates are re-checked at least monthly — and whenever a headline rate moves — against the provider’s own published terms — not against an aggregator, a comparison table, or another editorial site. Where a rate includes a bonus that expires, we record the expiry as well as the headline rate, because a 4.75% rate with a 12-month bonus is not the same product as a 4.75% rate without one.
We record a rate only if it is open to new customers across the UK. Regional building society accounts, staff accounts, and rates that require an existing current account or a minimum balance above £10,000 are noted separately rather than presented as the market best.
The Bank Rate figure and its decision dates come directly from the Bank of England. Deposit protection limits come from the Financial Services Compensation Scheme, which protects up to £85,000 per person per authorised firm — check the firm’s authorisation on the FCA Register before depositing, as several savings brands share a single banking licence.
Journalists, researchers and other publishers are welcome to use this data, including commercially, with attribution. Please cite it as:
GetSmartSaver.Uk, UK Savings Rate Tracker, https://getsmartsaver.co.uk/uk-savings-rate-tracker/ (accessed [date]).
If you need the underlying series for a specific account type or period, or a comment for a piece you are writing, email team@getsmartsaver.co.uk.
Weekly, alongside our rate verification pass. The change log records the date of every update, so you can see for yourself how current the data is rather than relying on an “updated today” badge.
Banks set savings rates to attract the deposits they need, not to mirror Bank Rate. When a bank has enough deposits it can pay below base rate; when it is competing for them — often a newer app-based bank building a book — it may pay above. Fixed-rate bonds are priced off market expectations for the whole term, which is why a 1-year fix can sit above Bank Rate when cuts are expected.
No. Check whether the headline rate includes a bonus that drops off after 12 months, whether withdrawals are limited, and whether the provider is covered by FSCS protection. An account paying 0.2% less with no bonus expiry and instant access is often worth more over two years than a headline-grabbing rate you forget to move.
They can be. Interest counts towards your Personal Savings Allowance — £1,000 for basic-rate taxpayers, £500 for higher-rate, nil for additional-rate. Above that, interest is taxed at your marginal rate, which is why a cash ISA can beat a higher headline rate for some savers. See our Personal Savings Allowance guide.