Beste sparekontoer 2026: Høyeste renter vi fant

*Last updated: April 2026*

Interest rates have settled into a new normal. After the wild swings of 2023-2024, savings rates in 2026 are competitive but stable. The question is no longer whether you should move your savings out of a 0.1% high-street account — obviously you should — but which type of savings account gives you the best return for your situation.

We (Øyvind and Thomas) compared over 30 savings accounts across easy-access, notice, fixed-rate, and alternative options. Here are the ones worth opening.

The Savings Landscape in 2026

Base rates across major economies have stabilised. In the UK, the Bank of England rate sits at 4.0%. In the US, the Fed funds rate is around 3.75%. This means savings rates are decent but no longer climbing. The best easy-access accounts offer around 4.5-5.0% AER, and fixed-rate accounts can push above 5% for longer terms.

The biggest shift we have noticed is the rise of savings options from neobanks and fintech platforms. Monzo, Chase, and others now offer savings rates that compete with or beat traditional banks. And crypto yield platforms like Nexo offer eye-catching rates on stablecoins — though with very different risk profiles.

Easy-Access Savings: Best Picks

Easy-access accounts let you withdraw money whenever you need it. The trade-off is a slightly lower rate than fixed or notice accounts.

Chase UK Savings — 5.0% AER

Chase continues to lead on easy-access savings for UK customers. The 5.0% AER applies to balances up to £10,000, which is generous. Above that, the rate drops. The account links to the Chase current account and the app is excellent.

Monzo Instant Access — 4.6% AER

Monzo's savings pots are convenient because they sit inside the same app as your current account. The rate is not the absolute highest, but the integration with Salary Sorter and automatic savings rules makes it easy to build the habit. We use Monzo pots for short-term goals.

SoFi Savings (US) — 4.5% APY

For US readers, SoFi offers one of the best high-yield savings rates with no minimum balance and no fees. FDIC insured up to $250,000 through partner banks. The app is solid and the account pairs well with SoFi's broader financial products.

Fixed-Rate Savings: Best Picks

Fixed-rate accounts lock your money away for a set period in exchange for a higher rate. These work best for money you know you will not need.

1-Year Fixed: 5.2% AER

Several providers offer around 5.2% AER for a one-year fix. We recommend shopping around on comparison sites as the leader changes frequently. The key is to check whether the rate is genuinely fixed or introductory.

2-Year Fixed: 5.0% AER

Two-year fixes currently offer slightly less than one-year fixes, which is unusual. This inverted pattern suggests the market expects rates to fall. If you think rates will drop, locking in 5.0% for two years could be smart.

Alternative Savings: Crypto Yield

This is where it gets interesting — and riskier. Platforms like Nexo and Bybit offer yield on stablecoins (USDC, USDT) that can reach 8-16% APY. We have used Nexo for over a year and earned consistently, but this is not a savings account in the traditional sense. Your money is not protected by deposit insurance, and the platform risk is real.

We cover this in detail in our crypto banking guide. The short version: crypto yield can be a useful part of a diversified savings strategy, but it should not be where you keep your emergency fund.

Who Should Consider Crypto Yield

If you already have a solid emergency fund in a protected savings account and want to earn more on money you can afford to risk, allocating 10-20% to stablecoin yield is reasonable. We do this ourselves. But we would never recommend it as someone's primary savings vehicle.

How Much Should You Save

The standard advice is three to six months of expenses in an easy-access account as an emergency fund. We think that is about right. Beyond that, the decision between easy-access and fixed-rate depends on your goals and timeline.

Money you will need within a year: easy-access. Money you will not touch for one to two years: fixed-rate. Money you can genuinely afford to risk for higher returns: consider crypto yield as a small allocation.

The Rate-Chasing Trap

One thing we have learned from years of tracking savings rates: constantly switching accounts to chase the highest rate is usually not worth the effort. The difference between 4.8% and 5.0% on £10,000 is £20 per year. If switching takes you an hour, that is a poor hourly rate.

Pick a good account, set up automatic transfers, and review once or twice a year. That is the approach that actually builds wealth. For more on our philosophy, see our guide on how to choose a bank account.

Our Recommendation

For most people, we recommend a Chase or Monzo easy-access account for your emergency fund, plus a one-year fixed-rate account for medium-term savings. If you are comfortable with crypto, a small Nexo allocation for stablecoin yield can boost your overall return. Just keep the risk in proportion.

The best savings account is the one you actually use. Automate your contributions and let compound interest do the work.

Important Disclaimer

BankTopp is an independent comparison site. We may earn commission when you open an account through our links. This does not affect our rankings. Always check the provider's terms before applying. Your capital is at risk.