The newest information that will help you get probably the most out of your financial savings account.
Right here’s our month-to-month replace sharing adjustments at main UK financial savings accounts, in addition to among the articles you might need missed on the positioning.
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November’s financial savings information
Three new common savers above 6.5%
Excellent news for individuals who can’t be bothered to open a present account with a purpose to get a excessive paying common saver. Three constructing societies – Progressive, Principality and Scottish – have launched new accounts paying between 6.5% and seven% that anybody can open. Right here’s extra on every one:
7% from Progressive Constructing Society
The On-line Common Wet Day Saver account permits as much as £300 a month to be added, and lasts for the standard 12 months. The very arduous to beat price of seven% is variable. It’s a web-based solely account
6.5% from Principality Constructing Society
It is a fastened price of 6.5%, so you already know it gained’t change over the following 12 months. It’s designed that will help you save for Christmas 2026. There’s a most of £150 a month that may be added. No early withdrawals are allowed.
6.5% from Scottish Constructing Society
You possibly can add as much as £250 a month to this account, and withdrawals are allowed. In contrast to the others that is just for submit and in department functions – however that’s excellent news for individuals who don’t wish to use on-line banking. The 6.5% price is variable.
Zopa Biscuit provides boosted 4.75% easy accessibility saver
The Biscuit current account from Zopa is already value a search for savers due to the 7.1% common saver and a couple of% in account curiosity. And now it’s received even higher for savers.
You will get a 1.5% increase on Zopa’s easy accessibility price for 12 months, which suggests it presently sits at 4.75%. Although a handful of accounts pay extra, this one doesn’t have a restriction on balances, so it’s good for savers with bigger balances.
Nevertheless you do have to deposit £500 a month into the Biscuit account to get the bonus. That money doesn’t want to remain there, so you’ll be able to withdraw it right away. It additionally doesn’t must be deposited in a single go, so smaller quantities could be added to qualify.
Ulster gives 4.5% easy accessibility
In case you don’t fancy opening up a Zopa present account, then you may get an honest 4.5% within the Restricted Version Saver from Ulster Financial institution. This has a 2.72% bonus for a yr, and it’s essential to have a minimum of £5,000 saved to get this price. After 12 months the account will change right into a far decrease paying possibility, so make a remark to maneuver your cash.
Plum Money ISA adjustments entry guidelines
There’s excellent news when you’ve got or open a Money ISA from Plum. The three withdrawals restrict to obtain the bonus has been withdrawn, so you’ll be able to take out cash as a lot as you need with out being pushed to a decrease price.
It’s value noting that the bonus is just for the primary 12 months, so for those who’re previous a yr with the account you’ll discover larger charges elsewhere. You’ll additionally lose the bonus for those who switch cash out to a distinct supplier.
Additionally, the Plum Money ISA isn’t versatile. So any withdrawals you make will impression the entire you’ll be able to pay in over a yr. With attainable adjustments to Money ISA allowances coming quickly, it’s value avoiding taking money out of ISAs for those who can.
Santander gives an additional likelihood to get an Edge Saver
The Edge Saver from Santander has been our prime decide since launch. It presently pays 6% for a yr on balances of as much as £4,000.
You want an Edge present account to get one, and till you’ve been restricted to simply certainly one of every, although you could possibly get one other for those who additionally opened an Edge present account. This meant a pair with a private present account every and joint account might open a complete of 4 Edge Savers.
There’s now a brand new present account from Santander that additionally lets you open an Edge Saver – the Santander Edge Explorer.
In fact, all these accounts include a payment which eats into the rate of interest. The Edge Explorer prices £17 a month, however comes with insurances. The Edge is £3, and this may be averted for those who don’t add any direct debits to the account.
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Plus, new Quidco prospects get a prime paying £20 welcome supply
Tembo gives 2% financial savings increase for dwelling consumers
A brand new account from Tembo referred to as the Home Saver can pay a 2.5% bonus for 12 months for those who use the deposit inside three years in the direction of a house buy or remortgage deal by way of their brokerage service.
The speed at launch is 3% (monitoring at 1% under the bottom price), which means a complete of 5.5% in the direction of your property. There’s a cap of £20,000 that may be added to the account.
In case you don’t use it by way of Tembo or inside three years you then gained’t get the bonus.
First time consumers can after all use this alongside a Lifetime ISA to get extra for his or her preliminary deposit.
Attempt our mortgage calculator
Our mortgage calculator helps simplify issues by providing you with an thought of how a lot you could possibly borrow and your possible month-to-month repayments.
Base price lower might occur this month
The subsequent Financial institution of England MPC assembly takes place on Thursday 6 November. It’s the place they determine whether or not to alter the bottom price, which may impression the rate of interest offered on financial savings.
Till final week it was trying extremely unlikely there will probably be a lower at this assembly, however a couple of banks, together with Barclays and Goldman Sachs have stated they suppose there will probably be one!
We’ll replace you with what occurs in our base rate change analysis article.
Funds set for this month
Lastly, the Funds takes place on 26 November and it’s might see some massive adjustments to each Money and Shares & Shares ISAs.
As we’ve beforehand coated, precise adjustments are nonetheless simply hypothesis at this stage, however a cut to the Cash ISA allowance definitely seems prefer it’s on the playing cards.
There is also a brand new requirement for a part of an funding portfolio to be in UK equities.
We’ll report in full right here on the positioning and on our YouTube channel on the day of the Funds.
November’s financial savings gives
We’ll share some other offers in our savings deals web page if any extra come alongside.
Cahoot: £25 cashback & 5%
Apply for the 5% paying Sunny Day Saver from Cahoot by way of TopCashback and you may get a £25 bonus.
Seeing as you’ll be able to solely save a most of £3,000 for a yr on this account, that works out as a 0.83% increase.
Plus for those who’ve by no means used TopCashback earlier than, don’t neglect there’s a £20 welcome bonus via our link. You’ll have to spend £10 at a distinct retailer to set off this, however that must be simple to do.
Raisin: as much as £150 welcome supply
Till noon on 30 November 2025, Raisin is providing as much as £150 as a welcome bonus for those who open a financial savings account by way of our hyperlink and fund it with a minimum of £10,000 by the identical date. You’ll want the code VAULTBYRAISIN for this.
This is applicable to fastened price accounts with a time period of 12 months or over, and the bonus depends upon how a lot you deposit.
- £10,000 to £24,999 earns £40
- £25,000 to £49,999 earns £100
- £50,000 to £85,000 earns £150
For £10,000 in a 12-month repair, that is successfully 0.4% added to the account price. The most suitable choice on Raisin proper now’s a 4.35% account, so that you’ll get £435 plus £40, which is £475, or 4.75%.
For £25,000 in a 12-month repair, the £100 bonus can also be an efficient 0.4% prime up. Nevertheless, although you get a bigger £150 bonus on a £50,000 deposit, it’s only a 0.3% increase.
In case you save greater than every threshold however lower than the following one it scale back this efficient price.
Figuring out this can make it easier to compare Raisin’s rates to other accounts. Proper now the most effective one yr repair gives 4.55%.
The bonus will probably be paid into your account on 31 December 2025 so long as you’ve met the eligibility standards.
To get the supply:
- Click on on the under hyperlink, which can add the promo code VAULTBYRAISIN
- Join a brand new Raisin UK Account by 30 November 2025
- Apply for and open a 12 month fastened price financial savings account
- Put a minimum of £10,000 into your new financial savings account by noon on 30 November 2025.
High financial savings accounts for November 2025
Bear in mind, these are the accounts on the prime of the tables. We’ve extra choices in our best savings accounts page, which is up to date each day by the group.
Present account linked saver picks as of three/11/25
- Santander Edge Saver (6% AER variable, contains 2.5% bonus for 12 months) – max £4,000
- Nationwide (5% AER variable for 12 months) – max £1,500 – new prospects solely
- Zopa (4.75% AER variable, contains 1.5% bonus for 12 months)
- Chase Saver (4.5% AER variable, contains 2% bonus for 12 months) – new prospects solely
Straightforward & restricted entry picks as of three/11/25
- Cahoot Sunny Day Saver (5% AER variable) – max £3,000, 12 months solely (+ £25 by way of TopCashback)
- Ulster Financial institution (4.5% AER variable contains bonus for 12 months) – min £5,000
- Monument (4.41% AER variable, contains bonus for 12 months)
- Cahoot (4.4% AER variable)
Can open in department/telephone/submit
- Coventry Constructing Society (4.3% AER variable) – max 4 withdrawals a yr, 12 months solely
Straightforward & restricted entry ISA picks as of three/11/25
- Buying and selling 212 (4.53% AER variable, contains bonus for 12 months) – versatile, new buyer price solely
- Moneybox (4.52% AER variable, contains bonus for 12 months) – restricted entry, new buyer price solely
- Plum (4.45% AER variable, contains bonus for 12 months) – new prospects solely
Can open in department/telephone/submit
- Coventry Constructing Society (4.15% AER variable) – max 5 withdrawals a yr, versatile, 12 months solely
Discover accounts picks as of three/11/25
- 3 months discover OakNorth (4.54% AER variable): 95-days discover
- 4 months discover Oxbury(4.54% AER variable): 120-days discover
- 6 months discover Oxbury(4.55% AER variable): 180-days discover
Mounted financial savings accounts picks as of three/11/25
- 6 months Monument (4.4% AER fastened)
- 9 months LHV (4.3% AER fastened)
- 12 months LHV (4.46% AER fastened)
- 12 months NBE by way of Raisin (4.35% AER fastened + as much as £150 bonus = as much as 4.75% equal)
- 18 months First Save (4.25% AER fastened)
- 2 yr First Save (4.44% AER fastened)
- 3 yr Citadel Neighborhood (4.47% AER fastened)
- 4 yr JN Financial institution (4.39% AER fastened)
- 5 yr Afin Financial institution (4.55% AER fastened)
Mounted ISA accounts picks as of three/11/25
- 12 months Vida (4.28% AER fastened)
- 2 years UBL (4.16% AER fastened)
- 3 years Safe Belief (4.13% AER fastened)
- 4 years UBL (4% AER fastened)
- 5 years Safe Belief (4.23% AER fastened)
Lifetime ISA decide as of three/11/25
- Moneybox Lifetime ISA (4.3% AER variable, incl 12 month bonus)
Common Saver accounts (exisiting buyer) picks as of three/11/25
- Zopa Regular Saver (7.1% AER variable): max £300 a month
- requires a Biscuit (by Zopa) present account
- First Direct Common Saver (7% AER fastened): max £300 a month
- requires a First Direct present account
- Co-operative Financial institution Common Saver (7% variable): max £250 a month
- Requires a Co-op Financial institution present account
Common Saver accounts (for all) picks as of three/11/25
- Progressive Constructing Society (7% AER variable): max £300 a month
- Scottish Constructing Society (6.5% AER variable): max £250 a month
*Your property could also be repossessed if you don’t sustain repayments in your mortgage. Be Intelligent With Your Money could obtain a fee from Tembo Cash for those who full a mortgage by means of the hyperlink offered. This is not going to have an effect on the quantity you pay for the service.
This dealer payment low cost of as much as £499 is relevant for normal mortgages and remortgages solely, extra advanced instances together with guarantor, buy-to-let, opposed credit score, and fairness switch could also be chargeable for a payment. The payment you might be required to pay will probably be clearly outlined by your adviser previous to an utility being submitted in your behalf. The supply doesn’t cowl some other potential charges that will come up throughout the mortgage course of.
Tembo Cash Restricted (12631312) is an organization registered in England and Wales with its registered workplace at 18 Crucifix Lane, London, SE1 3JW. Tembo is authorised and controlled by the Monetary Conduct Authority beneath the registration quantity 952652. Tembo Cash was awarded Finest Mortgage Dealer on the British financial institution awards in 2022, 2023, 2024 and 2025. Charges should not assured and will change by the point you come to use. Eligibility standards could fluctuate by lender.
Our calculator is simply an estimate of how a lot you’ll be able to borrow and doesn’t represent mortgage recommendation
