The TL;DR
Anything above inflation (3.5% CPI) is growing your money in real terms. The top easy-access rate we found was 4.56% on 9 November 2026; the big high street banks paid 0.75%–2%.
The detail
- Online banks Chase (4.50%) and Starling (4.00%) offer high intro rates for new customers.
- Big-bank easy-access accounts often pay 1% or less.
- On £5,000, the difference between 1% and 4.56% is about £178 a year.
Your 5-minute move
Your 5-minute move
Use the tools and explainers below to check your own numbers.
Related questions
Receipts · checked 9 November 2026
- Moneyfacts — Easy access savings accounts — rates at 6 November 2026
- ONS — Consumer price inflation: September 2026