Overview

• Moneyfacts lists Chip as the top easy-access account at 4.84% but the boosted rate lasts three months, then falls to 2.74%, and only new customers qualify.
• Many headline easy-access deals are variable or bonus-based, with examples such as Chase paying 4.75% for the first 12 months only for new customers.
• Regular saver tables lead the market this week, with Principality Building Society offering 7.50% AER.
• Fixed-term options remain competitive, including 4.63% AER for six months from Aldermore and one-year best buys around the mid-4% range.
• Moneyfacts’ Adam French cautions that rate reductions are likely as the new month approaches following the base rate’s move to 4.0%, and fewer than half of accounts beat CPI at 3.8%.