Hey Savers 👋
Welcome to your July 2025 savings update — where we highlight the top-paying, safest, and easiest-to-use high-interest savings accounts available right now in the UK and USA.
If your current account is giving you 0.01% to 1% interest, you’re leaving real money on the table. Let’s change that.
🔥 Top UK Picks – July 2025
🏆 1. Zopa Smart Saver – Up to 5.20% AER
- Why we love it: The longer you leave money in, the higher the rate.
- Access: Notice (7–95 days)
- Min Deposit: £1
- Bonus: You can set multiple pots with different notice periods.
🥈 2. Chase UK – 5.10% AER
- Why we love it: Instant access + clean mobile app + cashback on spending
- Access: Instant
- Min Deposit: £1
- Extra: Pays daily interest.
🥉 3. Tandem Instant Access – 5.00% AER
- Why we love it: No minimum, no nonsense
- Access: Instant
- Min Deposit: £0
- Eco Factor: Green banking mission and sustainable lending.
🎖️ Honorable Mention: Monzo + Investec
- Rate: 4.95% AER
- Access: Instant via Monzo
- Min Deposit: £10
- Perfect for: Monzo app users who want to grow savings inside their banking dashboard.
🇺🇸 Best USA High-Yield Savings – July 2025
🥇 1. SoFi High-Yield Savings – 4.60% APY
- Why we love it: Direct deposit = highest APY, plus FDIC insured up to $2 million
- Access: Instant
- Min Deposit: $0
- App Experience: Best-in-class
🥈 2. Synchrony High-Yield Savings – 4.50% APY
- Why we love it: Optional ATM card + solid APY
- Access: Instant
- Min Deposit: $0
- Tip: Great for people who still like some in-person access
🥉 3. Marcus by Goldman Sachs – 4.40% APY
- Why we love it: No fees, no minimums, simple & trusted
- Access: Instant
- Min Deposit: $0
- Who it’s for: Long-term savers who want a solid foundation
🎖️ Also Worth a Look: Ally Bank
- Rate: 4.35% APY
- Access: Instant
- Min Deposit: $0
- Unique feature: “Savings buckets” to help organize your goals
📊 At-a-Glance Comparison Table
| Account Name | Country | Rate | Access | Min Deposit | Best Feature |
|---|---|---|---|---|---|
| Zopa Smart Saver | UK | Up to 5.20% | Notice | £1 | Smart pots with tiered returns |
| Chase UK | UK | 5.10% | Instant | £1 | Cashback + daily interest |
| Tandem Bank | UK | 5.00% | Instant | £0 | Eco banking + no deposit needed |
| SoFi | USA | 4.60% | Instant | $0 | FDIC up to $2M + best app |
| Synchrony Bank | USA | 4.50% | Instant/ATM | $0 | High APY with cash access |
| Marcus by Goldman | USA | 4.40% | Instant | $0 | Clean, simple, trusted savings |
🧠 Pro Tips for July
- 💳 Set up direct deposit to unlock higher APYs (especially with SoFi)
- 💡 Use savings pots or buckets to manage goals
- 📲 Always download the mobile app for fast transfers
- ⏳ If you can wait to withdraw, notice accounts like Zopa give you more
💬 What’s Coming in August?
Interest rates may shift again! Some analysts expect small APY drops in late summer — so now might be the best time to lock in a great rate before it dips.
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