🔥 Top 6 High-Interest Savings Accounts (UK & USA) – July 2025 Countdown Edition - Technology

If you’re tired of earning 0.5% on your money, it’s time to upgrade your savings.

Here’s our Top 6 Countdown of the best high-interest savings accounts this month — based on rate, ease of use, and user trust.

Let’s count them down! ⏬

🥉 #6 – Marcus by Goldman Sachs (USA)

Rate: 4.40% APY
Min Deposit: $0
Access: Instant
Why it’s good:
✅ Backed by Goldman Sachs
✅ Clean UI, simple features
✅ Great for conservative savers

Rate: 5.00% AER
Min Deposit: £0
Access: Instant
Why we like it:
✅ Eco-focused
✅ No-fee, beginner-friendly
✅ Quick app signup

Rate: Up to 5.20% AER
Min Deposit: £1
Access: Notice (7–95 days)
Best for:
✅ Goal-based savers
✅ Higher interest if you don’t need instant cash

Rate: 5.10% AER
Min Deposit: £1
Access: Instant
Perks:
✅ Cashback on spending
✅ Daily interest payouts
✅ Instant transfer options

Rate: 4.60% APY
Min Deposit: $0
Access: Instant
Why it tops the list:
✅ FDIC protection up to $2M
✅ Budgeting, investing, and saving in one app
✅ High APY + smart tools = best combo for modern savers

Rank	Bank	Country	Rate	Access	Best For
1	SoFi	USA	4.60% APY	Instant	All-in-one finance app
2	Chase UK	UK	5.10% AER	Instant	Cashback + daily interest
3	Zopa	UK	5.20% AER	Notice	High returns (if you wait)
4	Synchrony	USA	4.50% APY	ATM/Online	Travel flexibility
5	Tandem	UK	5.00% AER	Instant	Eco-saving + easy setup
6	Marcus	USA	4.40% APY	Instant	Simplicity & trust