UK savers urged to move fast for the best deals paying up to 4.5%

The Guardian - World NewsCenter-LeftEN 3 min read 100% complete by Rupert JonesJanuary 23, 2026 at 07:00 AM

AI Summary

medium article 3 min

UK savers are being urged to act quickly to secure competitive savings deals, including one-year fixed-rate bonds up to 4.35% and easy-access accounts at 4.5%, as rates are falling following Bank of England interest rate cuts. Experts advise savers to review their financial goals in January and seek better returns, noting that higher-than-expected inflation in December may delay further rate cuts, potentially slowing the decline of top savings rates. While over 1,400 savings accounts currently beat inflation, fixed-rate bonds offer the security of locking in rates before they fall further. However, popular deals are quickly withdrawn due to high demand, highlighting the need for savers to be proactive. Currently, Meteor and OakNorth Bank offer a leading one-year fixed-rate bond at 4.35%.

Key Entities & Roles

Key Player Opposition Context

MoneySavingExpert 40% Harriet Guevara 40% Nottingham building society 40% Goldman Sachs 40% Martin Lewis 40% Marcus 50% Alice Haine 50% Bestinvest 50% Caitlyn Eastell ×260% Moneyfacts 60% UK ×270% Bank of England ×280%

Keywords

savings rates 100% fixed-rate bonds 90% interest rate cut 80% inflation 70% savers 70% best-buy savings 60% easy-access account 50% financial goals 40%

Sentiment Analysis

Positive

Score: 0.20

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Source

The Guardian - World News

Political Lean

Center-Left (-0.40)

Far LeftCenterFar Right

Classification Confidence

90%

Geographic Perspective

This article was automatically classified using rule-based analysis. The political bias score ranges from -1 (far left) to +1 (far right).

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savings rates fixed-rate bonds interest rate cut inflation savers best-buy savings easy-access account financial goals

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