📅 July 2025 Money Forecast: Best High-Interest Savings Accounts in the UK & USA

Welcome to your monthly financial forecast — where we don’t talk about rain or sun… we talk interest rates ☀️💸

If you’re ready to earn more from your money without lifting a finger, these are the top-performing savings accounts right now in the UK & USA.

Let’s dive into the financial weather ☁️➡️📈

🇬🇧 UK Forecast – Bright Skies Ahead for Savers

☀️ Hot Pick of the Month: Zopa Smart Saver

Rate: Up to 5.20% AER
Type: Notice-based (7–95 days)
Why it’s rising: Longer notice = better returns
Who it suits: People saving for a goal within the year

🌤 Runner-Up: Chase UK Easy Access

Rate: 5.10% AER
Type: Instant access
Perks: Cashback on card, daily interest
Who it suits: Everyday savers, emergency funds

🌱 Eco Outlook: Tandem Bank Instant Access

Rate: 5.00% AER
Type: Instant
Why it’s stable: No deposit required, eco-saving model
Who it suits: Beginners & green-conscious savers

🇺🇸 USA Forecast – Warm Growth Conditions

☀️ Hot Pick of the Month: SoFi High-Yield Savings

Rate: 4.60% APY
Type: Instant access
Bonus: FDIC insured up to $2M
Who it suits: Smart savers who love digital tools

🌤 Strong Contender: Synchrony Bank

Rate: 4.50% APY
Type: Instant + optional ATM card
Why it’s rising: Offers flexibility with physical access
Who it suits: Travel-savvy or semi-offline users

🌧️ Safe Shelter: Marcus by Goldman Sachs

Rate: 4.40% APY
Type: Instant access
Why it’s steady: No frills, no fees, no fuss
Who it suits: Conservative savers, emergency fund holders

🧾 Summary Chart – July 2025 Savings Radar

Bank	Country	Rate	Access	Best For
Zopa	UK	5.20% AER	7–95 days	Goal-based savings
Chase UK	UK	5.10% AER	Instant	Daily interest, cashback
Tandem	UK	5.00% AER	Instant	Eco, beginner-friendly
SoFi	USA	4.60% APY	Instant	Smart mobile banking
Synchrony Bank	USA	4.50% APY	Instant/ATM	Hybrid flexibility
Marcus by GS	USA	4.40% APY	Instant	Safe, steady, trusted