Average Savings Rates
The average interest rates UK banks and building societies are advertising on easy access savings, fixed-rate bonds and cash ISAs, updated monthly from Bank of England data.
Average easy access savings rate
2.08%
Bank of England average of the rates UK banks and building societies advertised on instant access savings accounts in October 2026, including bonuses, for a £1,000 balance.
Bank of England · checked 10 Nov 2026
Average 1-year fixed-rate bond
4.46%
Bank of England average of the rates advertised on 1-year fixed-rate savings bonds in October 2026. Your money is tied up for the year in return for a guaranteed rate.
Bank of England · checked 10 Nov 2026
Average 2-year fixed-rate bond
4.69%
Bank of England average of the rates advertised on 2-year fixed-rate savings bonds in October 2026.
Bank of England · checked 10 Nov 2026
Average 3-year fixed-rate bond
4.56%
Bank of England average of the rates advertised on 3-year fixed-rate savings bonds in October 2026.
Bank of England · checked 10 Nov 2026
Bank of England Bank Rate
3.75%
Savings rates tend to follow the Bank of England's base rate, though banks don't always pass changes on in full.
Bank of England · checked 10 Nov 2026
Average Easy-Access Cash ISA Rate
1.8%
Bank of England average of the rates UK banks and building societies advertised on variable-rate (easy access) cash ISAs in October 2026, including bonuses. Individual accounts vary widely around this.
Bank of England · checked 10 Nov 2026
Average 1-year fixed cash ISA rate
4.65%
Bank of England average of the rates advertised on 1-year fixed-rate cash ISAs in October 2026. Your money is tied up for the year in return for a guaranteed rate.
Bank of England · checked 10 Nov 2026
Average 2-year fixed cash ISA rate
4.6%
Bank of England average of the rates advertised on 2-year fixed-rate cash ISAs in October 2026.
Bank of England · checked 10 Nov 2026
What's changed
- 7 November 2026 Average 2-year fixed-rate bond rose from 4.5% to 4.69%.
- 7 November 2026 Average 1-year fixed-rate bond rose from 4.35% to 4.46%.
- 7 November 2026 Average easy access savings rate rose from 2.06% to 2.08%.
- 7 November 2026 Average 2-year fixed cash ISA rate rose from 4.53% to 4.6%.
- 7 November 2026 Average 1-year fixed cash ISA rate rose from 4.56% to 4.65%.
- 7 November 2026 Average Easy-Access Cash ISA Rate fell from 1.95% to 1.8%.
- 16 October 2026 Average 3-year fixed-rate bond rose from 4.37% to 4.56%.
- 16 October 2026 Average 2-year fixed-rate bond rose from 4.29% to 4.5%.
- 16 October 2026 Average 1-year fixed-rate bond rose from 4.08% to 4.35%.
- 16 October 2026 Average easy access savings rate rose from 2.03% to 2.06%.
- 12 October 2026 Average 2-year fixed cash ISA rate rose from 4.41% to 4.53%.
- 12 October 2026 Average 1-year fixed cash ISA rate rose from 4.4% to 4.56%.