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The Independent UK
The Independent UK
Business
Karl Matchett

Best savings accounts and cash ISAs still paying up to 4.5% on your money in January 2026

With interest rates getting another cut in December, the base rate is down to 3.75 per cent meaning many of the best high-interest savings accounts have had, or will get, a trim soon.

However it’s still possible to get more than 4 per cent on your cash if you move swiftly, while remembering it’s always important to keep your savings earning more than the rate of inflation - which currently sits at 3.2 per cent.

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