Best fixed-rate savings accounts (September 2025)

Here are the best fixed rate savings accounts on offer right now

You can fix your savings for anything from three months to five years to get a slightly better rate in return. However, you need to be sure you won’t need access to that cash over that time. The longer you fix, the greater the risk you’ll lose out if rates were to rise. But at the same time, they’re protected if rates were to fall.

If you think you’d prefer to be able to access your money whenever you want, you’d probably want an easy-access savings account.

It’s worth noting, too, when longer fixes provide you with access to the interest. With most, it’s at the end of the fix, meaning all that interest will count towards your personal savings allowance for the year you receive it.

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Best fixes under a year

Best 12-month fixed savings accounts

Best 18-month fixes

Best two-year fixes

Best three-year fixes

Best four-year fixes

Best five-year fixes

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