Savings rates in the UK remain strong heading into March 2026, with regular saver accounts paying up to 7.5%, easy access accounts around 4–5%, and fixed accounts still comfortably above 4%.

But the savings landscape may not stay this way for long.

The Bank of England base rate is currently 3.75%, and many economists expect rate cuts later this year if inflation continues to ease. If that happens, variable savings accounts may start to fall, which is why some savers are considering fixing their rates now.

At the same time, we’re approaching an important deadline for savers.

The ISA allowance resets on April 5th, and once that deadline passes you lose any unused allowance from the current tax year. This is one of the key reasons Cash ISA rates are particularly competitive right now.

Below are some of the most competitive savings accounts currently available.

Best Cash ISAs (March 2026)

Cash ISAs remain one of the most popular savings products in the UK because all interest earned is tax-free.

Some of the most competitive options currently available include:

Trading 212 Cash ISA – 4.54%

• One of the highest ISA rates currently available

• New customers only

• Withdrawals allowed anytime

• ISA transfers accepted

Moneybox Cash ISA – 4.52%

• Up to three withdrawals per year without affecting the rate

• ISA transfers supported

Tembo Easy Access Cash ISA – 4.48%

• Unlimited withdrawals

• Includes access to free mortgage advice

• Withdrawals can take up to two business days

Hargreaves Lansdown Cash ISA – 4.3%

While the rate isn’t the highest, Hargreaves Lansdown currently offers cashback promotions of up to £4,000, depending on how much you deposit.

For example, depositing £20,000 could generate:

• £860 in interest at 4.3%

• £200 cashback

This would increase the effective return to roughly 5.3% in the first year.

Best Easy Access Savings Accounts

Easy access accounts allow you to withdraw funds whenever needed, making them ideal for emergency funds or short-term savings.

Some of the most competitive accounts currently available include:

Tembo HomeSaver – Up to 5.75%

This account has one of the highest headline rates available right now. The rate is made up of:

• 3% base rate tracker

• 1.55% promotional bonus for 12 months

• Potential 1.2% HomeSaver bonus

However, the final bonus only applies if you complete a mortgage through Tembo within three years.

Withdrawals typically take up to two business days.

Chase Easy Access Saver – 4.5%

• Available to new Chase customers

• Must activate the boosted saver within 31 days of opening the account

• Rate lasts for 12 months

Chip Instant Access – 4.2%

• Available to new Chip customers

• Withdrawals are usually instant

Cahoot Simple Saver – 4.05%

• Promotional rate available for 12 months

• Owned by Santander

Virgin Double Take E-Saver – 4.15%

• Only two withdrawals allowed per year

• If you exceed that limit, access may be restricted until the next calendar year

Best Notice and Fixed Savings Accounts

If you’re willing to sacrifice some flexibility, notice accounts and fixed bonds can offer competitive returns.

Some of the strongest options currently include:

Notice Accounts

• OakNorth Bank – 4.23% with 95 days notice

• Raisin (via LHV Bank) – 4.15% with 125 days notice

• Stafford Building Society – 4.26% with 180 days notice

Fixed Accounts

• 6 month fixed – 4.15% with Al Rayan Bank (via Raisin)

• 1 year fixed – 4.22% with Chetwood Bank

• 2 year fixed – 4.17% with Chetwood Bank

• 5 year fixed – 4.36% with Chetwood Bank

Interestingly, longer-term fixed rates are not dramatically higher than easy access accounts, which suggests banks may expect interest rates to fall in the coming years.

Best Regular Saver Accounts (Up To 7.5%)

Regular saver accounts currently offer the highest headline rates in the market, but they usually limit how much you can deposit each month.

Some of the most notable accounts include:

First Direct Regular Saver – 7%

• 12 month fixed term

• Maximum deposit of £300 per month

• Requires a First Direct current account

If you deposit the full £300 each month, you would save £3,600 over the year and earn roughly £136.50 in interest.

First Direct also currently offers a £175 switching bonus, which significantly boosts the overall return.

The Co-operative Bank Regular Saver – 7%

• 12 month term

• Deposit up to £250 per month

• Withdrawals allowed

Principality Building Society Regular Saver – 7.5%

This account offers the highest headline rate, but it only lasts six months and allows deposits of £200 per month.

If you save the maximum amount for the full term, you would earn roughly £26 in interest, making it a good example of why headline rates don’t always tell the full story.

Club Lloyds Regular Saver – 6.25%

• Deposit up to £400 per month

• 12 month term

• Requires a Club Lloyds or Lloyds Premier current account

Saving the maximum each month would generate around £163.60 in interest over the year.

Premium Bonds Becoming Less Attractive

Another change coming soon is the Premium Bonds prize fund rate dropping from 3.6% to 3.3% in April.

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That means the expected return from Premium Bonds will fall again, making cash savings accounts significantly more competitive for many savers.

Where to Find the Latest Savings Rates

Savings rates change frequently, especially as banks compete for deposits before the ISA deadline.

On DepositScout, you can:

• Compare the latest UK savings rates

• See updated rankings for easy access, ISA, notice and fixed accounts

• Use the savings interest calculator

• Receive alerts when savings rates change

Visit DepositScout.com to compare the latest accounts and see how much interest your savings could earn.