United KingdomUSUKSA

Best easy access savings rate in the UK today: 5.00% AER

38 of 68 UK banks and building societies · as at 1 Nov 2026

Highest easy access savings rate

5.00%
Nationwide
FlexOne Saver

AER · recorded 2026-11-01

214 easy access savings offers34 institutionsmedian 1.63%

Spread of recorded easy access savings rates

0.0%0.7%1.4%2.1%2.8%3.5%4.2%4.9%

Best rate by product

Easy access
5.00%
Nationwide
highest AER · 214 offers
Fixed rate bonds
5.25%
Market Harborough
highest AER · 147 offers
Notice accounts
4.33%
Swansea
highest AER · 30 offers
Cash ISAs
5.00%
Furness
highest AER · 173 offers
Current accounts
1.60%
NatWest
highest AER · 6 offers
Mortgages
4.08%
NatWest
lowest rate · 201 offers
Overdrafts
29.90%
Danske Bank UK
lowest EAR · 7 offers
Personal loans
5.90%
first direct
lowest APR · 14 offers
Business loans
8.6%
HSBC UK
lowest APR · 152 offers
Credit cards
24.9%
first direct
lowest APR · 2 offers
Ask your AI. No sign-up. MCP and JSON for every rate on this site.
{"mcpServers":{"ratesonar-uk":{"url":"https://ukrates.ratesonar.com/mcp"}}}API docs

At a glance

Institutions assessed
68
With rates recorded
38
Offers live
1639
Last recorded
1 Nov 2026 (last page captured 2026-11-01 12:01 UTC)
Currency
GBP
Deposit basis
AER
Captured
twice a day, Europe/London time, from each bank's own public page and Open Banking product API

Official rates

RateLatestAs ofSource
Bank Rate (Bank of England)3.75%29 Oct 2026www.bankofengland.co.uk
SONIA3.7338%28 Oct 2026www.bankofengland.co.uk
2-year fixed mortgage, 75% LTV: quoted average (BoE)5.13%30 Sep 2026www.bankofengland.co.uk
5-year fixed mortgage, 75% LTV: quoted average (BoE)4.98%30 Sep 2026www.bankofengland.co.uk
£5k personal loan: quoted average (BoE)11.52%30 Sep 2026www.bankofengland.co.uk
£10k personal loan: quoted average (BoE)6.98%30 Sep 2026www.bankofengland.co.uk
1-year fixed rate bond: quoted average (BoE)4.35%30 Sep 2026www.bankofengland.co.uk

Official and market rates are context, not an offer from a named bank.

Recent rate changes

No rate changes recorded yet. Changes appear from the second day of capture.

All changes →

Questions

What is the highest savings rate in the UK today?

Nationwide FlexOne Saver at 5.00% AER, recorded by RateSonar on 1 Nov 2026 from the bank's own page. Conditions and eligibility apply; check with the bank.

How does RateSonar record these rates?

Twice a day, in United Kingdom business hours, RateSonar requests each bank's public rate page or Open Banking product API, honouring robots.txt and identifying itself. It keeps the exact bytes, reads every rate with a parser written for that page, and records the source URL, time and digest beside each figure.

Which banks are covered?

RateSonar has assessed 68 United Kingdom institutions. The coverage page lists every one, including banks that block automated access or publish no rates without a login, so a gap is visible rather than hidden.

What is AER?

Annual equivalent rate: what the interest would be over a year with compounding, so accounts that pay monthly and yearly compare fairly. Gross is the rate before compounding. RateSonar ranks savings by AER.

What is the current Bank Rate (Bank of England)?

3.75% as of 29 Oct 2026, from the official source. It is context for bank rates, not an offer from a bank.

Can I get this data in my AI assistant?

Yes. Add https://ukrates.ratesonar.com/mcp as an MCP server (no sign-up), or read https://ukrates.ratesonar.com/api/v1/rates.json. Every figure comes with its recorded date and source.