Best High-Yield Savings
Accounts in 2026

Marcus by Goldman Sachs operates in both the UK and US, offering savings accounts and CDs with no fees and no minimum balance. In the UK: 3.75% AER easy access, 4.01% AER Cash ISA, and a 3.80% AER 1-year fixed saver — all backed by £120,000 FSCS protection (higher than the standard £85,000). In the US: 3.40% APY on the high-yield savings account plus one of the strongest CD lineups available, including a limited-time 14-month CD at 4.10% APY. Ranked #1 in JD Power customer satisfaction 2026 for online-only bank savings accounts.

Ally Bank is one of the most established online-only banks in the US — no fees, no minimums, FDIC insured to $250,000, and a complete banking ecosystem covering savings, checking, CDs, Money Market, and IRAs. The savings rate of 3.00% APY (3.85% for new customers through 2026) is well above the national average but not always market-leading among online banks. What sets Ally apart is the total package: Savings Buckets for goal-based saving, Surprise Savings automation, 75,000+ fee-free ATMs, and a Money Market account with debit card and cheque writing. For US savers wanting one trusted platform for everything, Ally is the strongest all-round option.

Chase UK is JPMorgan's digital bank for UK consumers, and its saver account offers 4.50% AER for new customers in the first 12 months — one of the most competitive boosted rates available from a major banking brand. The account is instant access with no fees, no minimum deposit, and FSCS protection up to £120,000. The catch is the requirement for a Chase current account to open a saver, and the significant rate drop once the 12-month boost ends (reverting to approximately 2.25% AER standard variable). The Chase app also includes a round-up savings feature earning 5% AER on spare change from card purchases. For UK savers who want a named banking brand at a competitive rate and are willing to switch their current account to Chase, this is a strong first-year proposition.

Revolut Savings is the most globally accessible option on this list — available in 40+ countries across the US, UK, Europe, Australia, and beyond — and the only platform here that lets you earn interest in multiple currencies simultaneously. In the US, Revolut offers up to 5.5% APY on balances up to $10,000 (3.75% above that). In the UK, a promotional 5% AER is available for new customers until December 2026. EU rates are lower, reflecting ECB policy, at around 2-3%. Revolut received its full UK banking licence in March 2026, meaning UK deposits are now FSCS protected up to £85,000 — a significant change that removes the main objection UK savers had to using it.

Atom Bank is a UK app-only bank with one of the broadest savings ranges available — six fixed terms from 6 months to 5 years (4.35%–4.75% AER), an Easy Access Cash ISA at 4.25% AER, an Instant Saver (2.50% AER), and an Instant Saver Reward (3.49% AER when you don't withdraw). All accounts are FSCS protected up to £120,000. The fixed savers require a £50 minimum and no withdrawals during the term — the committed-saver trade-off for a locked-in guaranteed rate.

Wise Assets is an investment product, not a savings account — it invests your idle Wise balance into government-backed money market funds managed by BlackRock, generating daily returns that track central bank rates. Current net rates: GBP 3.25%, USD 3.39%, EUR 1.80% (after fees, as of June 2026). Available in 150+ countries, it is the most globally accessible interest-earning option on this list. UK customers benefit from £85,000 FSCS investment protection. For existing Wise users with idle GBP or USD balances, enabling Assets takes 30 seconds and is an obvious next step.