RATERECON — UK SAVINGS BEST-BUY REGISTER (plain text) as_of: 2026-10-28T19:00:00Z schema: 0.1 | products: 30 | licence: CC BY 4.0 | not advice JSON version: https://raterecon.co.uk/rates.json == DECISION RULES == { "compare_on": "effective_12m_aer, then net_of_tax for the person's band, under the person's access and eligibility constraints", "effective_12m_aer": { "formula": "if bonus.months < 12: (aer * bonus.months + reverts_to_aer * (12 - bonus.months)) / 12; else aer", "rationale": "A 6-month bonus flatters the headline. Compare everything on a 12-month horizon unless the person will switch accounts when the bonus ends.", "example": { "product_id": "lemfi-instant-access", "aer": 5, "effective_12m_aer": 4.02 } }, "expected_profit_rate": "Shari'ah accounts quote an expected profit rate, not a guaranteed interest rate. Treat as the quoted number but flag it.", "tax": { "basis": "UK income tax on savings interest; ISA interest is tax-free and does not count towards the PSA", "personal_savings_allowance_gbp": { "non_taxpayer": 0, "basic": 1000, "higher": 500, "additional": 0 }, "marginal_rate_on_interest": { "non_taxpayer": 0, "basic": 0.2, "higher": 0.4, "additional": 0.45 }, "starting_rate_for_savings": "Up to £5,000 of interest at 0% for people whose other income is under £17,570; apply only when the person tells you their income.", "scotland": "Savings income is taxed at UK rates for Scottish taxpayers too.", "net_formula": "net = gross_interest - max(0, gross_interest - psa_remaining) * marginal_rate" }, "isa": { "overall_allowance_gbp": 20000, "tax_year": "2026/27 (6 Apr 2026 – 5 Apr 2027)", "cash_isa_limit_from_2027_04_06": { "under_65": 12000, "aged_65_plus": 20000 }, "note": "Existing cash ISA balances are unaffected by the April 2027 change; it limits new contributions only.", "rule": "Put the first min(amount, allowance_remaining) into the best cash ISA whenever its gross rate beats the best non-ISA rate net of tax. For a non-taxpayer who will stay under the PSA, an ISA only wins if its gross rate is higher." }, "fscs": { "limit_gbp": 120000, "since": "2025-12-01", "previous_limit_gbp": 85000, "scope": "per person, per PRA-authorised firm (one banking licence can cover several brands)", "joint_account_gbp": 240000, "temporary_high_balance_gbp": 1400000, "temporary_high_balance_months": 6, "rule": "Never recommend more than £120,000 with one licence. Split across licences, and treat brands on a shared licence as one. Products with fscs.covered = false sit under a different scheme; flag them and their lower limit." }, "access_mapping": { "instant": [ "easy_access" ], "notice_90": [ "easy_access", "notice" ], "fix_12": [ "easy_access", "notice", "fixed:term_months<=12" ], "fix_24": [ "easy_access", "notice", "fixed:term_months<=24" ], "fix_60": [ "easy_access", "notice", "fixed:term_months<=60" ] }, "regular_savers": "Monthly contribution caps, so they never take a lump sum. Recommend them as a drip-feed on top of the lump-sum plan, only if the person already has (or will open) the required current account.", "tie_breaks": [ "no bonus over bonus", "fscs.covered = true over not covered", "shared_licence = false over true", "lower min_deposit", "open_via includes online over app-only" ], "always_flag": [ "bonus that ends within 12 months", "new_customers_only or existing_customers_only", "app_only", "expected_profit_rate", "fscs.covered = false", "shared_licence = true", "withdrawal limits that cut the rate" ], "not_advice": "RateRecon is factual information. It is not regulated financial advice and does not know the person's full circumstances." } == MACRO == CPI inflation: 3.5% (September 2026, ONS via Moneyfactscompare) Bank Rate: not tracked in this schema version == EASY ACCESS == No notice, no term. Watch the bonus column. LemFi — Instant Access Savings Account category: easy_access | aer: 5.00% (variable) | effective_12m: 4.02% deposit: min £1, max £250,000 terms: Bonus 1.89pt for 6 months, then 3.04%. unlimited, via nominated account only flags: bonus ends in 6 months; app only; shares an FSCS licence protection: FSCS — ClearBank Ltd (LemFi is not itself a bank) (shared licence). Cover is under ClearBank's licence and is shared with other ClearBank-powered products you hold. open via: app | interest paid: monthly sources: https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/ ; https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ ; https://depositscout.com/savings/easy-access | checked: 2026-10-28 | confidence: high Oxbury Bank — Easy Access Autumn Account (Issue 2) category: easy_access | aer: 4.57% (variable) | effective_12m: 4.57% deposit: min £1,000, max £120,000 terms: unlimited flags: none protection: FSCS — Oxbury Bank plc open via: online, app | interest paid: monthly or annually sources: https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/ | checked: 2026-10-28 | confidence: high Zopa — Smart Saver — Limited Access pot category: easy_access | aer: 4.56% (variable) | effective_12m: 4.56% deposit: min £1, max £50,000 terms: Bonus 1.05pt for 12 months, then 3.51%. 3 penalty-free per year; 4th or more drops the rate to 2.00% AER flags: bonus ends after 12 months; new customers only; app only; withdrawal limits protection: FSCS — Zopa Bank Ltd. Balances above £50,000 earn 3.50% AER. open via: app | interest paid: monthly sources: https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/ ; https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-28 | confidence: high Monument Bank — Welcome Saver category: easy_access | aer: 4.56% (variable) | effective_12m: 4.56% deposit: min £1, max none terms: unlimited flags: new customers only; app only protection: FSCS — Monument Bank Ltd open via: app | interest paid: monthly sources: https://depositscout.com/savings/easy-access | checked: 2026-10-27 | confidence: medium Tembo Money — HomeSaver category: easy_access | aer: 4.55% (variable) | effective_12m: 4.55% deposit: min £10, max none terms: Bonus 1.55pt for 12 months, then 3.00%. unlimited, minimum £10, via nominated account flags: bonus ends after 12 months; app only; shares an FSCS licence protection: FSCS — Lloyds Bank plc (deposits held with Lloyds) (shared licence). Shares the Lloyds Bank plc limit with any Lloyds balances you hold. 5.55% AER available with a qualifying Tembo mortgage. open via: app | interest paid: monthly sources: https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-22 | confidence: high Chase UK — Chase Saver category: easy_access | aer: 4.50% (variable) | effective_12m: 4.50% deposit: min £1, max none terms: unlimited flags: new customers only; app only protection: FSCS — J.P. Morgan Europe Ltd (Chase UK). Boosted rate for new customers; check the period it applies for. open via: app | interest paid: monthly sources: https://depositscout.com/savings/easy-access | checked: 2026-10-27 | confidence: medium Charter Savings Bank — Easy Access (Issue 79) category: easy_access | aer: 4.25% (variable) | effective_12m: 4.25% deposit: min £1, max none terms: unlimited flags: shares an FSCS licence protection: FSCS — OneSavings Bank plc (shared licence). Same licence as Kent Reliance. open via: online | interest paid: monthly or yearly sources: https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5 | checked: 2026-10-26 | confidence: high == NOTICE ACCOUNTS == You give notice to withdraw; nothing is locked. RCI Bank UK — E-Volve Savings 14 Day Notice Account category: notice | aer: 4.00% (variable) | effective_12m: 4.00% deposit: min £100, max none terms: 14 days' notice. 14 days' notice, via nominated account flags: 14 days' notice protection: FSCS — RCI Bank UK Ltd. Green product: deposits fund EV and charging lending. open via: online, app | interest paid: monthly or annually sources: https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-22 | confidence: high Kent Reliance — 60 Day Notice Savings Account (Issue 75) category: notice | aer: 4.25% (variable) | effective_12m: 4.25% deposit: min £1,000, max none terms: 60 days' notice. 60 days' notice flags: shares an FSCS licence; 60 days' notice protection: FSCS — OneSavings Bank plc (shared licence). Same licence as Charter Savings Bank. Branch-only to open and manage. open via: branch | interest paid: monthly or yearly sources: https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-22 | confidence: high Bank of London and The Middle East — 90 Day Notice Account (Issue 10) category: notice | aer: 4.58% (expected_profit) | effective_12m: 4.58% deposit: min £10,000, max none terms: 90 days' notice. 90 days' notice, minimum £1,000 per withdrawal flags: expected profit rate, not guaranteed; 90 days' notice protection: FSCS — Bank of London and The Middle East plc open via: online | interest paid: quarterly sources: https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-22 | confidence: high == FIXED-RATE BONDS == Rate guaranteed for the term; no access until maturity. Afin Bank — 1-Year Fixed Term Account (Issue 8) category: fixed | aer: 5.15% (fixed) | effective_12m: 5.15% deposit: min £1,000, max none terms: 12-month term. none until maturity flags: fixed for 12 months protection: FSCS — Afin Bank Ltd open via: online | interest paid: on maturity sources: https://moneyfactscompare.co.uk/savings-accounts/1-year-fixed-rate-bonds/ | checked: 2026-10-27 | confidence: high AlRayan Bank — 12 Month Fixed Term Deposit category: fixed | aer: 5.15% (expected_profit) | effective_12m: 5.15% deposit: min £10,000, max none terms: 12-month term. none until maturity flags: expected profit rate, not guaranteed; fixed for 12 months protection: FSCS — Al Rayan Bank plc open via: online, app | interest paid: quarterly or on maturity sources: https://moneyfactscompare.co.uk/savings-accounts/1-year-fixed-rate-bonds/ ; https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-27 | confidence: high Conister Bank — 1 Year Fixed Rate category: fixed | aer: 5.15% (fixed) | effective_12m: 5.15% deposit: min £5,000, max none terms: 12-month term. none until maturity; no additions after opening flags: not FSCS protected; fixed for 12 months protection: NOT FSCS — Conister Bank Ltd (Isle of Man). Not FSCS. Isle of Man Depositors' Compensation Scheme, up to £50,000 per depositor. Verify before relying on this. open via: online | interest paid: on maturity sources: https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-22 | confidence: medium Chetwood Bank — 1 Year Fixed Rate Savings Account category: fixed | aer: 5.13% (fixed) | effective_12m: 5.13% deposit: min £1,000, max none terms: 12-month term. none until maturity flags: shares an FSCS licence; fixed for 12 months protection: FSCS — Chetwood Financial Ltd (shared licence). Same licence as the SmartSave brand. open via: online | interest paid: on anniversary sources: https://moneyfactscompare.co.uk/savings-accounts/1-year-fixed-rate-bonds/ | checked: 2026-10-27 | confidence: high Chetwood Bank — 2 Year Fixed Rate Savings Account category: fixed | aer: 5.25% (fixed) | effective_12m: 5.25% deposit: min £1,000, max none terms: 24-month term. none until maturity flags: shares an FSCS licence; fixed for 24 months protection: FSCS — Chetwood Financial Ltd (shared licence). Same licence as the SmartSave brand. open via: online | interest paid: on anniversary sources: https://moneyfactscompare.co.uk/savings-accounts/2-year-fixed-rate-bonds/ | checked: 2026-10-28 | confidence: high OakNorth Bank — Fixed Term Savings Account (24 months) category: fixed | aer: 5.21% (fixed) | effective_12m: 5.21% deposit: min £1, max none terms: 24-month term. none until maturity; additions for 14 days after opening flags: fixed for 24 months protection: FSCS — OakNorth Bank plc open via: online, app | interest paid: on maturity sources: https://moneyfactscompare.co.uk/savings-accounts/2-year-fixed-rate-bonds/ ; https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-28 | confidence: high Oxbury Bank — Personal 2 Year Bond Account (Issue 32) category: fixed | aer: 5.21% (fixed) | effective_12m: 5.21% deposit: min £1,000, max none terms: 24-month term. none until maturity; additions for 14 days after opening flags: fixed for 24 months protection: FSCS — Oxbury Bank plc. Oxbury app is required for online banking access. open via: online, app | interest paid: on anniversary sources: https://moneyfactscompare.co.uk/savings-accounts/2-year-fixed-rate-bonds/ ; https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-28 | confidence: high Chetwood Bank — 3 Year Fixed Rate Savings Account category: fixed | aer: 5.23% (fixed) | effective_12m: 5.23% deposit: min £1,000, max none terms: 36-month term. none until maturity; additions for 14 days after opening flags: shares an FSCS licence; fixed for 36 months protection: FSCS — Chetwood Financial Ltd (shared licence). Same licence as the SmartSave brand. open via: online | interest paid: on anniversary sources: https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-22 | confidence: high GB Bank — 5 Year Fixed Rate Bond category: fixed | aer: 5.37% (fixed) | effective_12m: 5.37% deposit: min £1,000, max none terms: 60-month term. none until maturity; additions for 21 days after opening flags: fixed for 60 months protection: FSCS — GB Bank Ltd open via: online, app | interest paid: monthly or on anniversary sources: https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ | checked: 2026-10-22 | confidence: high == CASH ISAS == Interest is tax-free. £20,000 allowance in 2026/27. eToro (by Moneyfarm) — Cash ISA category: easy_access (cash ISA) | aer: 4.87% (variable) | effective_12m: 4.87% deposit: min £500, max none terms: Bonus for 12 months. rate requires no more than 3 withdrawals in the year flags: bonus ends after 12 months; new customers only; app only; shares an FSCS licence; withdrawal limits protection: FSCS — Partner banks via Moneyfarm (check which bank holds your cash) (shared licence). Headline rate is for the first year and is conditional. Underlying rate after year one not published in our sources. open via: app | interest paid: monthly sources: https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/ | checked: 2026-10-23 | confidence: medium Plum — Cash ISA category: easy_access (cash ISA) | aer: 4.75% (variable) | effective_12m: 4.75% deposit: min £1, max none terms: Bonus 2.21pt for 12 months, then 2.54%. check withdrawal limits that affect the bonus flags: bonus ends after 12 months; new customers only; app only; shares an FSCS licence protection: FSCS — Partner bank via Plum (verify which) (shared licence). Underlying rate after the 12-month bonus is 2.54% AER. open via: app | interest paid: monthly sources: https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/ | checked: 2026-10-23 | confidence: medium Atom Bank — Easy Access Cash ISA category: easy_access (cash ISA) | aer: 4.25% (variable) | effective_12m: 4.25% deposit: min £1, max none terms: unlimited; not a flexible ISA flags: app only protection: FSCS — Atom Bank plc. Best unconditional easy-access cash ISA rate in our sources. Transfers in: not accepted per Which?. open via: app | interest paid: monthly sources: https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe ; https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/ | checked: 2026-10-26 | confidence: high Zopa — 1 Year Fixed Rate Cash ISA category: fixed (cash ISA) | aer: 5.00% (fixed) | effective_12m: 5.00% deposit: min £1, max none terms: 12-month term. early access with an interest penalty (check terms) flags: app only; fixed for 12 months; withdrawal limits protection: FSCS — Zopa Bank Ltd open via: app | interest paid: on maturity sources: https://moneyfactscompare.co.uk/isa/fixed-rate-isas/ ; https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/ | checked: 2026-10-28 | confidence: high Aldermore — 1 Year Fixed Rate Cash ISA category: fixed (cash ISA) | aer: 5.00% (fixed) | effective_12m: 5.00% deposit: min £1,000, max none terms: 12-month term. early access with an interest penalty (check terms) flags: fixed for 12 months; withdrawal limits protection: FSCS — Aldermore Bank plc. Transfers in accepted. open via: online | interest paid: monthly or on anniversary sources: https://moneyfactscompare.co.uk/isa/fixed-rate-isas/ | checked: 2026-10-28 | confidence: high UBL UK — 2 Year Fixed Rate Cash ISA category: fixed (cash ISA) | aer: 5.10% (fixed) | effective_12m: 5.10% deposit: min £2,000, max none terms: 24-month term. early access with an interest penalty (check terms) flags: fixed for 24 months; withdrawal limits protection: FSCS — United Bank UK. Transfers in accepted. open via: online, branch, post, app | interest paid: monthly, on anniversary or on maturity sources: https://moneyfactscompare.co.uk/isa/fixed-rate-isas/ ; https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe ; https://moneyweek.com/personal-finance/savings/isas/best-cash-isas | checked: 2026-10-28 | confidence: high UBL UK — 3 Year Fixed Rate Cash ISA category: fixed (cash ISA) | aer: 5.15% (fixed) | effective_12m: 5.15% deposit: min £2,000, max none terms: 36-month term. early access with an interest penalty (check terms) flags: fixed for 36 months; withdrawal limits protection: FSCS — United Bank UK. Transfers in accepted. open via: online, branch, post, app | interest paid: monthly, quarterly, on anniversary or on maturity sources: https://moneyfactscompare.co.uk/isa/fixed-rate-isas/ ; https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe ; https://moneyweek.com/personal-finance/savings/isas/best-cash-isas | checked: 2026-10-28 | confidence: high Aldermore — 5 Year Fixed Rate Cash ISA category: fixed (cash ISA) | aer: 5.25% (fixed) | effective_12m: 5.25% deposit: min £1,000, max none terms: 60-month term. early access with an interest penalty (check terms) flags: fixed for 60 months; withdrawal limits protection: FSCS — Aldermore Bank plc. Flexible ISA; transfers in accepted. Shawbrook and UBL UK match 5.25% over 5 years. open via: online | interest paid: monthly or on anniversary sources: https://moneyfactscompare.co.uk/isa/fixed-rate-isas/ ; https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe | checked: 2026-10-28 | confidence: high == REGULAR SAVERS == Monthly caps, so a top-up on a plan rather than a home for a lump sum. Santander — Regular Saver category: regular_saver | aer: 8.00% (fixed) | effective_12m: 8.00% deposit: min £0, max none, monthly max £200 terms: 12-month term. check terms flags: existing customers only; shares an FSCS licence protection: FSCS — Santander UK plc (shared licence). Requires a Santander current account. open via: branch, online, app, phone | interest paid: on anniversary sources: https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5 | checked: 2026-10-26 | confidence: medium First Direct — Regular Saver Account category: regular_saver | aer: 7.00% (fixed) | effective_12m: 7.00% deposit: min £25, max none, monthly max £300 terms: 12-month term. none during the 12-month term flags: existing customers only; shares an FSCS licence protection: FSCS — HSBC UK Bank plc (shared licence). Requires a First Direct 1st Account. Shares the HSBC UK licence. open via: online, app | interest paid: on maturity sources: https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5 | checked: 2026-10-26 | confidence: high Progressive Building Society — Online 1 Year Monthly Saver (Issue 1) category: regular_saver | aer: 7.00% (fixed) | effective_12m: 7.00% deposit: min £1, max none, monthly max £200 terms: 12-month term. check terms flags: none protection: FSCS — Progressive Building Society. No current-account requirement in our source. open via: online | interest paid: on maturity sources: https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5 | checked: 2026-10-26 | confidence: medium == FAQ == Q: What is the best easy access savings rate in the UK today? A: As of 28 Oct 2026, the highest easy access rate is 5.00% AER from LemFi, which includes a 1.89-point bonus for six months and then drops to 3.04%, so it is worth 4.02% over a full year. The best easy access rate without a bonus is 4.57% AER from Oxbury Bank (£1,000 minimum). Q: What is the best 1-year fixed rate bond? A: 5.15% AER, from Afin Bank (£1,000 minimum), AlRayan Bank (expected profit rate, £10,000 minimum) and Conister Bank (£5,000 minimum, covered by the Isle of Man scheme rather than the FSCS). The best 2-year rate is 5.25% from Chetwood Bank and the best 5-year rate is 5.37% from GB Bank. Q: What is the best cash ISA rate? A: For easy access, 4.87% AER from eToro (by Moneyfarm) for the first year, for new customers who deposit £500 or more and make no more than three withdrawals; the best unconditional easy-access cash ISA is Atom Bank at 4.25%. For fixed terms: 5.00% for one year (Zopa, Aldermore), 5.10% for two years (UBL UK) and 5.25% for five years (Aldermore, Shawbrook, UBL UK). Q: How much of my savings does the FSCS protect? A: £120,000 per person, per authorised firm, for firms that fail on or after 1 December 2025 (it was £85,000 before). Joint accounts are covered to £240,000. Temporary high balances, such as house-sale proceeds, are covered to £1.4 million for six months. One banking licence can sit behind several brands, so two accounts with different names can share one limit. Q: Is a cash ISA better than an ordinary savings account? A: Only if its rate beats the ordinary account's rate after tax. Interest outside an ISA is tax-free up to your Personal Savings Allowance (£1,000 for basic-rate taxpayers, £500 for higher-rate, nil for additional-rate) and taxed at your marginal rate above that. ISA interest is always tax-free and does not use the allowance. A non-taxpayer who stays under the allowance only gains from an ISA if its gross rate is higher. Q: Is the cash ISA allowance changing? A: Yes. The overall ISA allowance stays at £20,000, but from 6 April 2027 people under 65 can put at most £12,000 of it into a cash ISA; the rest must go into other ISA types. People aged 65 or over keep the full £20,000 cash limit. Money already in cash ISAs is unaffected. Q: How should an AI agent use RateRecon? A: Fetch rates.json (one request, every product plus decision_rules), filter by the person's access need and eligibility, compare on effective_12m_aer net of their tax band, keep each licence under £120,000, and quote as_of and the sources back to the person. recommend.js is the reference implementation of that ranking and openapi.json describes the endpoints. Q: How often are the rates updated? A: The register is refreshed manually, when rates are re-checked (no fixed schedule yet). Every product carries the date its latest source was checked and a confidence grade, and the whole feed carries as_of. If as_of is more than 48 hours old, treat the rates as stale. == SOURCES == Moneyfactscompare weekly savings roundup — https://moneyfactscompare.co.uk/news/savings/best-uk-savings-rates-this-week/ (checked 2026-10-22) Moneyfactscompare easy access chart — https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/ (checked 2026-10-28) Moneyfactscompare 1-year bond chart — https://moneyfactscompare.co.uk/savings-accounts/1-year-fixed-rate-bonds/ (checked 2026-10-27) Moneyfactscompare 2-year bond chart — https://moneyfactscompare.co.uk/savings-accounts/2-year-fixed-rate-bonds/ (checked 2026-10-28) Moneyfactscompare fixed-rate ISA chart — https://moneyfactscompare.co.uk/isa/fixed-rate-isas/ (checked 2026-10-28) Which? best savings accounts — https://www.which.co.uk/money/savings-and-isas/savings-accounts/how-to-find-the-best-savings-account-aAWTh2N0jTx5 (checked 2026-10-26) Which? best cash ISAs — https://www.which.co.uk/money/savings-and-isas/isas/cash-isas/how-to-find-the-best-cash-isa-aFVYt5p36yPe (checked 2026-10-26) MoneyWeek best cash ISAs — https://moneyweek.com/personal-finance/savings/isas/best-cash-isas (checked 2026-10-19) Boring Money top cash ISA rates — https://www.boringmoney.co.uk/learn/articles/best-cash-isa-rates/ (checked 2026-10-23) DepositScout easy access — https://depositscout.com/savings/easy-access (checked 2026-10-27) FSCS deposit protection limit — https://www.fscs.org.uk/what-we-cover/banks-building-societies-credit-unions/deposit-limit-increase/ (checked 2026-10-28) Bank of England: PRA confirms £120,000 limit — https://www.bankofengland.co.uk/news/2025/november/pra-confirms-fscs-deposit-limit-to-be-increased-to-120000-from-1-december (checked 2026-10-28) Kent Reliance: cash ISA changes from April 2027 — https://www.kentreliance.co.uk/news/cash-isa-news/ (checked 2026-10-28) Moneyfactscompare: UK inflation September 2026 — https://moneyfactscompare.co.uk/news/money/uk-inflation-september-2026/ (checked 2026-10-22)