Highest Savings Account Interest Rates in 2025
In the competitive world of savings, Chase Bank leads the pack with a 5% AER on its easy access savings account. This boosted rate is available for new customers during the first 31 days of account opening, and includes a 2.25% AER boost for 12 months on top of the standard variable rate. There is no minimum deposit requirement, and you can save up to £3 million [1][3].
Other notable easy access savings accounts include:
- Oxbury Bank's Easy Access Bonus Base Rate Tracker 1, offering 4.61% AER. This account requires a minimum deposit of £1,000 and a maximum of £500,000. It includes a 0.7% bonus until 18 October 2025. Withdrawals are same-day if made before 1 pm on working days; only £85,000 is protected by FSCS [1].
- Atom Bank's Instant Saver Reward provides an AER of 4.6% [1].
- A range of providers listed by Aviva offer easy access accounts with rates ranging from about 3.6% to 4.25% AER, with minimum deposits from £100 to £20,000. Interest is variable and added monthly or annually; withdrawals usually take two working days to reach your account [2].
- Other banks like Birmingham Bank, DF Capital, JN Bank, and GB Bank offer easy access rates from approximately 4.25% to 4.44% AER, with minimum deposits ranging from £100 to £5,000, and FSCS protection up to £85,000 applies [3].
Key conditions for easy access accounts generally include:
- Easy access accounts allow withdrawals at any time without penalties, though some banks require notice for same-day withdrawals.
- Interest rates are variable except where fixed or boosted offers apply.
- FSCS protection covers up to £85,000 per provider.
- Interest payment frequency varies by provider (monthly, annually, or at maturity).
Other notable mentions include Marcus by Goldman Sachs offering a rate of 4.01% for accounts with a minimum investment of £1+, with a 0.49% bonus [4].
[1] - https://www.moneysavingexpert.com/savings/best-buy-savings-accounts/ [2] - https://www.thisismoney.co.uk/money/saving/article-10777719/Best-buy-easy-access-savings-accounts-August-2025.html [3] - https://www.bankrate.co.uk/savings/best-buy-tables/easy-access-savings-accounts/ [4] - https://www.moneysavingexpert.com/savings/marcus-by-goldman-sachs-savings-account/
- When considering personal-finance options, one might find the 4.61% AER offered by Oxbury Bank's Easy Access Bonus Base Rate Tracker 1 appealing, requiring a minimum deposit of £1,000 and a maximum of £500,000, with a 0.7% bonus until 18 October 2025.
- In the realm of personal-finance, one could also opt for savings with Atom Bank's Instant Saver Reward, offering an AER of 4.6%.
