The newest information that can assist you get essentially the most out of your financial savings account.

Right here’s our month-to-month replace sharing modifications at main UK financial savings accounts, in addition to among the articles you might need missed on the location.

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October’s financial savings information

No extra base charge cuts this yr?

With inflation at 3.8% and because of attain 4% quickly, it’s now predicted that it’ll common across the 3.5% mark for remainder of the yr. It is a massive a part of why at September’s base rate annoucement the Financial institution of England stored the speed at 4%.

There are totally different predictions as as to if we’ll see one other lower this yr. There’s actually the potential for one in November, although the Finances is about for later that month, so the BoE would possibly wish to wait and see what’s introduced there. And past that it might be only one or two extra in 2026.

What this implies on your financial savings is there must be much less motion – although except you’ve got a tracker charge financial savings account it’s by no means that straightforward.

Money ISA modifications nonetheless on the playing cards?

Talking of the Finances, we’ll know if there are any reforms to Money ISAs within the Authorities’s plans on 26 November 2025.

The rumours of new ISA rules focussed on decreasing the annual restrict for brand spanking new contributions, however plans to announce one thing in the summertime have been paused after a backlash.

We’ll clearly been conserving a eager eye on any updates earlier than the occasion, and can let you already know if something concrete is going on.

LISA reform unlikely

Nonetheless, don’t anticipate any of the a lot wanted modifications to the Lifetime ISA to be a part of these Finances bulletins.

The Government has responded to a Treasury Committee assessment of how these merchandise work – and it’s not excellent news.

Concerning the 25% penalty for withdrawing your financial savings or investments in these accounts for something apart from shopping for a primary house or retirement, the Authorities stated “…the withdrawal cost ensures that the LISA has been used for its meant functions: homeownership for first time consumers or later life financial savings“

It additionally dismissed a name for LISAs to not depend in the direction of Common Credit score assessments – regardless of that penalty cost.

There was additionally help to maintain the £450,000 cap on utilizing a LISA on your first house, regardless of costs simply exceeding that within the South East.

New 6% common saver from Darlington

There’s one other new and respectable paying common saver that doesn’t require a linked present account or to be an current buyer.

It’s from Darlington Constructing Society and it pays 6%. You’ll be able to deposit as much as £250 a month. Do that every month for a yr and also you’ll earn £98 curiosity. Nonetheless, an identical account from Monmouthshire permits double the deposit, making it a greater possibility in case you can afford to place extra away. Try all the best regular savers.

Chase gives some prospects 2% increase

When you’ve got a Chase account it’s price looking at your app to see in case you’re eligible for a 12 month increase price 2%. The underlying charge tracks the bottom charge minus 1.5%, so proper now you’d get 2.5% plus 2%, including as much as 4.5%.

I requested Chase what the standards was to be supplied this bonus, however they stated it’s simply “chosen prospects“.

If it’s accessible to you, you’ll discover the provide within the “Save & Make investments” tab or “Rewards hub” in your app.

Sidekick gives bigger deposit safety

An fascinating new account has been launched by Sidekick, aimed toward these with cash to avoid wasting or make investments that may take them over the Financial Services Compensation Scheme (FSCS) restrict of £85,000.

The concept of the Multi Protect account is the deposits are unfold throughout a number of banks within the background, rising your cowl to £255,000 – nonetheless beneath the FSCS.

In fact you are able to do that your self by splitting the money up manually, nevertheless it’s a pleasant thought if you wish to preserve issues easy. That might be notably helpful in case you don’t assume you’ll have to preserve it saved for lengthy, however don’t overlook as much as £1 million will be protected for six months beneath sure circumstances, similar to receiving an inheritance or promoting a house.

The Sidekick Multi Protect account is paying a what seems to be a good 4.48%, although in actuality it’s decrease since that features a 1% bonus for six months which is just eligible on the primary £85,000 saved.

October’s financial savings gives

We’ll share every other offers in our savings deals web page if any extra come alongside.

Raisin: £100 welcome provide

You’ve bought only a few hours left to seize this. Till noon on 30 September 2025, Raisin is providing a £100 welcome bonus in case you open a financial savings account by way of our hyperlink and fund it with no less than £10,000 by 30 September. You’ll want the code HELLO100 for this.

This is applicable to fastened charge accounts with a time period of 12 months or over. 

For £10,000 in a 12-month repair, that is successfully 1% added to the account charge. The best choice on Raisin proper now could be a 4.33% account, so that you’ll get £433 plus £100, which is £533, or 5.33%

The extra money deposited and longer you save will scale back this efficient charge.

Understanding it will show you how to compare Raisin accounts to other rates.

The bonus will likely be paid into your account on 31 October 2025 so long as you’ve met the eligibility standards.

To get the provide:

  1. Click on on the beneath hyperlink, which is able to add the promo code HELLO100
  2. Join a brand new Raisin UK Account by 30 September 2025
  3. Apply for and open a 12 month fastened charge financial savings account
  4. Put no less than £10,000 into your new financial savings account by noon on 30 September 2025.

Prime financial savings accounts for September 2025

Bear in mind, these are the accounts on the high of the tables. We’ve extra choices in our best savings accounts page, which is up to date day-after-day by the staff.

Present account linked saver picks as of 29/9/25

  • 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
  • Chase Saver (4.5% AER variable, contains 2% bonus for 12 months) – new prospects solely

Straightforward & restricted entry picks as of 29/9/25

  • Cahoot Sunny Day Saver (5% AER variable) – max £3,000, 12 months solely
  • Snoop (4.35% AER variable)
  • Harpenden Constructing Society (4.31% AER variable) – single entry solely
  • Shawbrook (4.3% AER variable)

Easy accessibility ISA picks as of 29/9/25

  • Buying and selling 212 (4.51% AER variable) – new buyer charge solely
  • Plum (4.37% AER variable) – new prospects solely
  • Harpenden Buiding Society (4.31% AER variable) – max one withdrawal a yr
  • Household Constructing Society (4.3% AER variable)

Discover accounts picks as of 29/9/25

  • 3 months discover OakNorth (4.51% AER variable): 95-days discover
  • 6 months discover Oxbury(4.55% AER variable): 180-days discover

Mounted financial savings accounts picks as of 29/9/25

  • 6 months Aldermore (4.5% AER fastened)
  • 9 months Atom (4.3% AER fastened)
  • 12 months Oak North (4.45% AER fastened)
  • 12 months NBE by way of Raisin (4.33% AER fastened + £100 bonus = 5.33% equal)
  • 18 months Cynergy (4.25% AER fastened)
  • 2 yr JN Financial institution (4.43% AER fastened)
  • 3 yr Birmingham Financial institution (4.46% AER fastened)
  • 4 yr JN Financial institution (4.4% AER fastened)
  • 5 yr Birmingham Financial institution (4.53% AER fastened)

Mounted ISA accounts picks as of 29/9/25

  • 12 months Chetwood Financial institution (4.28% AER fastened)
  • 2 years Bathtub Constructing Society (4.15% AER fastened)
  • 3 years Darlington Constructing Society (4.2% AER fastened)
  • 4 years United Belief Financial institution (4.1% AER fastened)
  • 5 years Chetwood Financial institution (4.26% AER fastened)

Lifetime ISA choose as of 29/9/25

  • Moneybox Lifetime ISA (4.6% AER variable)

Common Saver accounts (exisiting buyer) picks as of 29/9/25

  • 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 1/9/25

  • Monmouthshire Constructing Society (6% AER variable): max £500 a month
  • Darlington Constructing Society (6% AER variable): max £250 a month

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