🏆 Best High-Interest Savings Accounts (UK & USA – July 2025 Awards Edition) - Technology

Interest rates are rising — and so is the competition.

We reviewed dozens of savings accounts to bring you the winners across categories like highest rate, best for beginners, and best mobile app.

Let’s reveal the Savings Champions of July 2025…

🥇 Best Overall Savings Account – Zopa Smart Saver (UK)

Interest: Up to 5.20% AER
Access: 7–95 day notice
Why It Wins: Highest AER in the UK with flexible “pots” and strong mobile app
Runner-Up: SoFi (USA) – 4.60% APY

🧒 Best for Beginners – Tandem Bank (UK)

Interest: 5.00% AER
Access: Instant
Why It Wins: No minimum deposit, zero fees, and an intuitive app interface
Runner-Up: Marcus by Goldman Sachs (USA) – 4.40% APY

📱 Best Mobile Banking Experience – Chase UK

Interest: 5.10% AER
Access: Instant
Why It Wins: Daily interest updates, slick mobile UI, cashback, and fast transfers
Runner-Up: SoFi (USA)

🌿 Best Eco-Friendly Account – Tandem Bank

Interest: 5.00% AER
Access: Instant
Why It Wins: Tandem invests in green bonds and clean energy projects

🏃‍♂️ Fastest Signup – SoFi High-Yield Savings (USA)

Interest: 4.60% APY
Access: Instant
Why It Wins: Sign up in under 3 minutes; no paperwork, full features unlocked instantly
Runner-Up: Chase UK

💳 Best for ATM Access – Synchrony Bank (USA)

Interest: 4.50% APY
Access: Instant + ATM card
Why It Wins: Combines online savings with physical cash access (rare in high-yield accounts)

🔒 Safest Feeling Account – Marcus by Goldman Sachs (USA)

Interest: 4.40% APY
Access: Instant
Why It Wins: Trusted global brand, super simple interface, and robust FDIC protection

🧾 July 2025 Summary Table

Award	Bank	Rate	Type
Best Overall	Zopa (UK)	5.20% AER	Notice
Best for Beginners	Tandem (UK)	5.00% AER	Instant
Best Mobile App	Chase UK	5.10% AER	Instant
Best Eco Account	Tandem (UK)	5.00% AER	Instant
Fastest Signup	SoFi (USA)	4.60% APY	Instant
Best ATM Access	Synchrony (USA)	4.50% APY	ATM/Online
Most Trusted Feel	Marcus (USA)	4.40% APY	Instant