# RateSonar United Kingdom

> Bank rates in United Kingdom, recorded twice a day from each institution's own public page and Open Banking product APIs, with the source URL, capture time and SHA-256 digest of every figure. 116 institutions assessed; 85 with rates live; 3053 offers. As of 2026-11-01. Read a live endpoint for current figures and cite its `recorded` date.

## MCP, no sign-up

MCP: https://ukrates.ratesonar.com/mcp (no account, no key, read-only)

```
{ "mcpServers": { "ratesonar-uk": { "url": "https://ukrates.ratesonar.com/mcp" } } }
```

Tools: best_rates, bank_rates, rate_history, rate_changes, coverage, official_rates.

## JSON

- https://ukrates.ratesonar.com/api/v1/rates.json?family=savings : ranked live offers (family: savings, fixed_term, notice, isa, current_account, business_savings, mortgage, overdraft, personal_loan, business_loan, credit_card; optional term, limit)
- https://ukrates.ratesonar.com/api/v1/banks.json : every institution assessed and its coverage status
- https://ukrates.ratesonar.com/api/v1/bank/<id>.json : one institution's offers and sources
- https://ukrates.ratesonar.com/api/v1/changes.json?days=30 : recorded rate changes
- https://ukrates.ratesonar.com/api/v1/official.json : central-bank and market rates

## Rules an agent must keep

- Quote the `recorded` date with every rate. A rate without its date is not a RateSonar answer.
- Never compare figures on different bases: AER (deposits), APR/APRC/EAR (lending).
- History starts on 2026-11-01. Do not infer earlier figures.
- Coverage is the institutions RateSonar can read; banks that block automated access or need a login, ZIP code or quote are listed as gaps.
- RateSonar is not advice and takes no applications. Send people to the bank for eligibility.

## Pages

- [Easy access](https://ukrates.ratesonar.com/savings/): Easy access and instant access savings accounts, ranked by AER. Highest recorded: The Co-operative Bank Regular Saver 7.00% AER (recorded 2026-11-01).
- [Fixed rate bonds](https://ukrates.ratesonar.com/fixed-rate-bonds/): Fixed rate bonds and fixed savers by term, ranked by AER. Highest recorded: first direct Regular Saver 7.00% AER (recorded 2026-11-01).
- [Notice accounts](https://ukrates.ratesonar.com/notice-accounts/): Notice savings accounts, ranked by AER. Highest recorded: Bank of London and The Middle East Notice Account 4.58% AER (recorded 2026-11-01).
- [Cash ISAs](https://ukrates.ratesonar.com/cash-isas/): Easy access, notice and fixed cash ISAs, ranked by AER. Highest recorded: Aldermore Bank 5 Year Fixed Rate Cash ISA 5.25% AER (recorded 2026-11-01).
- [Current accounts](https://ukrates.ratesonar.com/current-accounts/): Credit interest on current accounts, from banks' own pages and Open Banking product data. Highest recorded: Santander UK 123 Mini Current Account - In Trust 3% AER (recorded 2026-11-01).
- [Business savings](https://ukrates.ratesonar.com/business-savings/): Business savings accounts, ranked by AER. Highest recorded: Close Brothers Savings Business Fixed Term Deposit 5.20% AER (recorded 2026-11-01).
- [Mortgages](https://ukrates.ratesonar.com/mortgages/): Advertised initial mortgage rates as the lender publishes them, lowest first. Lowest recorded: NatWest 2 Year Tracker Rate 4.08% rate (recorded 2026-11-01).
- [Overdrafts](https://ukrates.ratesonar.com/overdrafts/): Arranged overdraft EARs from Open Banking product data, lowest first. Lowest recorded: Barclays Higher Education Account 0.0% EAR (recorded 2026-11-01).
- [Personal loans](https://ukrates.ratesonar.com/personal-loans/): Representative personal loan APRs, lowest first. Lowest recorded: first direct Personal Loan 5.90% APR (recorded 2026-11-01).
- [Business loans](https://ukrates.ratesonar.com/business-loans/): Unsecured SME loan rates from Open Banking product data. Lowest recorded: Barclays BarclayLoan 8.5% APR (recorded 2026-11-01).
- [Credit cards](https://ukrates.ratesonar.com/credit-cards/): Credit card representative APRs, lowest first. Lowest recorded: first direct Gold Card 24.9% APR (recorded 2026-11-01).
- [Coverage](https://ukrates.ratesonar.com/banks/): every institution assessed and why some are not recorded
- [Changes](https://ukrates.ratesonar.com/changes/): rate moves, new and withdrawn products
- [Methodology](https://ukrates.ratesonar.com/methodology/): capture, evidence and change rules

## Other markets

- United States: https://usrates.ratesonar.com/llms.txt
- United Kingdom: https://ukrates.ratesonar.com/llms.txt
- South Africa: https://sarates.ratesonar.com/llms.txt
- Australia: https://ratesonar.com/llms.txt