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Bank savings rates in United Kingdom

4 banks, each figure read off the bank's own product page. The number on a card is what you get without meeting any conditions.

The highest rate you can get in United Kingdom without conditions is 6 % at Santander UK, as of our last check.

Santander UK
6 % savings account

requires a Santander Edge or Edge Explorer current account; the 6% applies to balances up to £4,000, and 2.5 percentage points of it is a bonus for the first 12 months

checked 2026-08-30 · the bank's own page →

Marcus by Goldman Sachs UK
3.24 % savings account

advertises 3.75 % — бонус 0,49% только первые 12 месяцев

Бонус на первый год, и банк говорит это прямым текстом: «Includes a bonus rate of 0.49% gross fixed for the first 12 months». В их же таблице две колонки — «interest rate without bonus (underlying interest rate) 3.24% AER» и «with bonus 3.75% AER». Что будет потом, там тоже написано: «only the underlying interest rate of 3.24% AER is paid for months 13 to 24». Ставка переменная, банк вправе её менять.

checked 2026-08-16 · the bank's own page →

Starling Bank
2.5 % savings account

advertises 4 % — a different product

4.00% AER is an introductory rate that includes a fixed 1.50% AER bonus for the first 12 months; after that it drops to the 2.50% base.

checked 2026-08-18 · the bank's own page →

Every figure is read off the bank's own product page — never an aggregator, never a comparison site. Where a bank publishes only a ceiling, we say so instead of printing it as a rate. Records we could not confirm on the bank's page are left out entirely rather than shown as approximate.

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