Saving money in 2025 looks very different from just a few years ago.
After years of rock‑bottom interest rates, savers now have a wide range of competitive options.
But with the Bank of England base rate cut to 4.0% earlier this year, many expect rates to start edging down. That makes November a great time to lock in strong deals before they disappear.
📈 What Is Happening To UK Interest Rates
UK interest rates sit at 4% in November 2025.
Inflation has dropped to 3.8%, which is closer to the Bank of England’s 2% target.
Because of this, experts think rates will start to fall in 2026. Forecasts suggest a small cut to 3.75% in spring, with further drops to around 3.25% by the end of the year.
The Bank is moving carefully, balancing lower borrowing costs with the risk of cutting too fast. For savers, this means locking into today’s higher deals could be smart.
For borrowers, it could mean cheaper mortgages ahead.
📈 Easy‑Access Savings Accounts
Easy‑access accounts let you withdraw money whenever you need it. They’re perfect if you want flexibility.
- West Brom Building Society – 4.55% AER (top easy‑access rate)
- Ulster Bank – 4.5% AER (leading big‑name option)
- Zopa Biscuit Saver – 4.75% AER (new boosted deal launched this month)
These accounts beat inflation and give you freedom to dip into your savings without penalties.
⏳ Notice Accounts
Notice accounts require you to give advance notice before withdrawing, usually 30–95 days. In return, they often pay slightly higher rates.
- OakNorth Bank – 4.54% AER (95‑day notice)
- Oxbury Bank – 4.4% AER (six‑month fixed)
If you can plan ahead, notice accounts are a smart middle ground between flexibility and higher returns.
🔒 Fixed‑Rate Bonds
Fixed‑rate accounts lock your money away for a set period. They’re ideal if you don’t need immediate access and want certainty.
- Monument Bank – 4.47% AER (1‑year bond, £25k minimum)
- DF Capital – 4.41% AER (2‑year bond)
- Trading 212 Cash ISA – 4.53% AER variable, flexible ISA option
Locking in now could protect you against falling rates in 2026.
💡 Regular Saver Accounts
Regular savers are designed to encourage monthly deposits. They often pay the highest rates but cap how much you can save each month.
- Several banks now offer above 6.5% AER on regular saver accounts, making them the standout deals for disciplined savers.
If you can commit to monthly saving, these accounts deliver excellent returns.
| Provider / Account Type | Rate (AER) | Access Type | Key Notes |
|---|---|---|---|
| Zopa Biscuit Saver | 4.75% | Easy‑Access | New boosted deal, flexible withdrawals |
| West Brom Building Society | 4.55% | Easy‑Access | Top easy‑access rate, simple online setup |
| Ulster Bank | 4.50% | Easy‑Access | Big‑name option, reliable customer service |
| OakNorth Bank | 4.54% | 95‑Day Notice | Higher rate if you can wait for withdrawals |
| Oxbury Bank | 4.40% | 6‑Month Fixed | Good for medium‑term savers |
| Monument Bank | 4.47% | 1‑Year Fixed Bond | £25k minimum deposit required |
| DF Capital | 4.41% | 2‑Year Fixed Bond | Lock in for longer stability |
| Trading 212 Cash ISA | 4.53% | Flexible ISA | Tax‑free savings, variable rate |
| Regular Saver Accounts | 6.5%+ | Monthly Deposits | Highest rates, but capped monthly contributions |
🧾 Key Tips for Savers
- Beat inflation: With inflation at 3.8%, aim for accounts paying at least 4%.
- Act quickly: Rates are expected to fall as the base rate drops.
- Diversify: Mix easy‑access for flexibility with fixed‑rate bonds for stability.
- Use ISAs: Tax‑free savings accounts like Cash ISAs protect your interest from HMRC.
Final Thoughts
November 2025 is a strong month for savers, but the window may not last. With easy‑access rates up to 4.75%, notice accounts around 4.5%, and regular savers topping 6.5%, there are excellent opportunities to grow your money.
At Motivuu, we recommend reviewing your savings regularly, moving cash out of low‑interest current accounts, and taking advantage of these offers while they’re still available, and we recommend mixing accounts: keep some cash in easy‑access for emergencies, and lock the rest into fixed or regular saver deals to maximise returns.
If you want to check out more personal finance articles, you can view them here!
