{"id":450319,"date":"2023-07-17T17:09:37","date_gmt":"2023-07-17T16:09:37","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=450319"},"modified":"2026-04-09T16:36:15","modified_gmt":"2026-04-09T15:36:15","slug":"inflation-vs-savings","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/savings-accounts\/inflation-vs-savings","title":{"rendered":"What is the average savings interest rate in the UK?"},"content":{"rendered":"<p>Savings rates in the UK move up and down depending on the base rate set by the Bank of England, which is impacted by the current rate of inflation. In times of high inflation, it\u2019s worth taking advantage of better rates on <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/best-savings-accounts\">savings accounts<\/a>.<\/p><article class=\"luna-card luna-card--shadow\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Average savings rates: Highlights<\/h3><ul><li>The average instant access savings rate in the UK is 2.11% as of April 2026.<\/li><li>The average variable cash ISA savings rate in the UK is 2% as of April 2026.<\/li><li>The average interest rate on a 1-year fixed rate ISA is 4.26% as of April 2026.<\/li><li>The UK inflation rate (CPI) was 3.2% in February 2026. The base rate is 3.75% as of 30 April 2026.<\/li><li>52% of people were earning interest below the rate of inflation on their easy access savings as of September 2025.<\/li><\/ul><\/div><\/article><h3>Average savings interest rates in the UK over the last 10 years<\/h3><p>The UK\u2019s average <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/easy-access-savings\">instant access savings<\/a> rate was 2.11% as of April 2026. This is down from a 13-year high of 2.82% in January 2024. <\/p><p>Meanwhile, the average variable <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/cash-isas\">cash ISA<\/a> interest rate was 2% as of April 2026. This is down from a peak of 3.37% in October 2023 but up from 1.69% in June 2025. <\/p><p>Savers can generally find higher rates in <a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/fixed-rate-isas\">fixed-rate ISAs<\/a>, where you lock your money away for a set period. The average savings interest rate for a 1-year fixed rate ISA was 4.26% in April 2026, down from 5.48% in October 2023.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-xWGeG\" title=\"Average savings interest rates in the UK, 2011-2025\" width=\"100%\" height=\"430\" scrolling=\"no\" aria-label=\"Interactive line chart\" src=\"https:\/\/datawrapper.dwcdn.net\/xWGeG\/2\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Month<\/th>\n                            <th scope=\"col\">Cash ISA (variable)<\/th>\n                            <th scope=\"col\">1 year fixed rate ISA<\/th>\n                            <th scope=\"col\">Instant access<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Jan 26<\/td>\n                            <td>1.75%<\/td>\n                            <td>3.85%<\/td>\n                            <td>2.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 25<\/td>\n                            <td>1.77%<\/td>\n                            <td>3.95%<\/td>\n                            <td>2.22%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 25<\/td>\n                            <td>1.68%<\/td>\n                            <td>4.03%<\/td>\n                            <td>2.20%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 25<\/td>\n                            <td>1.89%<\/td>\n                            <td>4.03%<\/td>\n                            <td>2.23%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 25<\/td>\n                            <td>2.04%<\/td>\n                            <td>3.97%<\/td>\n                            <td>2.26%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 25<\/td>\n                            <td>1.87%<\/td>\n                            <td>3.94%<\/td>\n                            <td>2.27%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 25<\/td>\n                            <td>1.75%<\/td>\n                            <td>3.97%<\/td>\n                            <td>2.34%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 25<\/td>\n                            <td>1.69%<\/td>\n                            <td>4.04%<\/td>\n                            <td>2.37%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 25<\/td>\n                            <td>1.90%<\/td>\n                            <td>4%<\/td>\n                            <td>2.41%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 25<\/td>\n                            <td>1.80%<\/td>\n                            <td>4.14%<\/td>\n                            <td>2.46%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 25<\/td>\n                            <td>1.83%<\/td>\n                            <td>4.07%<\/td>\n                            <td>2.45%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 25<\/td>\n                            <td>2.04%<\/td>\n                            <td>3.99%<\/td>\n                            <td>2.57%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 25<\/td>\n                            <td>1.85%<\/td>\n                            <td>4.00%<\/td>\n                            <td>2.62%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 24<\/td>\n                            <td>1.84%<\/td>\n                            <td>4.07%<\/td>\n                            <td>2.59%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 24<\/td>\n                            <td>2.11%<\/td>\n                            <td>4.08%<\/td>\n                            <td>2.67%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 24<\/td>\n                            <td>2.58%<\/td>\n                            <td>4.21%<\/td>\n                            <td>2.65%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 24<\/td>\n                            <td>2.52%<\/td>\n                            <td>4.43%<\/td>\n                            <td>2.66%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 24<\/td>\n                            <td>2.90%<\/td>\n                            <td>4.62%<\/td>\n                            <td>2.73%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 24<\/td>\n                            <td>2.80%<\/td>\n                            <td>4.59%<\/td>\n                            <td>2.79%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 24<\/td>\n                            <td>2.86%<\/td>\n                            <td>4.54%<\/td>\n                            <td>2.78%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 24<\/td>\n                            <td>2.92%<\/td>\n                            <td>4.56%<\/td>\n                            <td>2.76%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 24<\/td>\n                            <td>2.78%<\/td>\n                            <td>4.53%<\/td>\n                            <td>2.77%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 24<\/td>\n                            <td>2.68%<\/td>\n                            <td>4.56%<\/td>\n                            <td>2.80%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 24<\/td>\n                            <td>2.93%<\/td>\n                            <td>4.64%<\/td>\n                            <td>2.81%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 24<\/td>\n                            <td>2.37%<\/td>\n                            <td>4.65%<\/td>\n                            <td>2.82%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 23<\/td>\n                            <td>2.74%<\/td>\n                            <td>4.98%<\/td>\n                            <td>2.81%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 23<\/td>\n                            <td>2.95%<\/td>\n                            <td>5.27%<\/td>\n                            <td>2.80%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 23<\/td>\n                            <td>3.37%<\/td>\n                            <td>5.48%<\/td>\n                            <td>2.77%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 23<\/td>\n                            <td>3.15%<\/td>\n                            <td>5.47%<\/td>\n                            <td>2.74%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 23<\/td>\n                            <td>2.65%<\/td>\n                            <td>5.39%<\/td>\n                            <td>2.56%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 23<\/td>\n                            <td>2.70%<\/td>\n                            <td>5.01%<\/td>\n                            <td>2.23%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 23<\/td>\n                            <td>2.59%<\/td>\n                            <td>4.36%<\/td>\n                            <td>1.82%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 23<\/td>\n                            <td>2.43%<\/td>\n                            <td>4.12%<\/td>\n                            <td>1.74%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 23<\/td>\n                            <td>2.61%<\/td>\n                            <td>4.01%<\/td>\n                            <td>1.63%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 23<\/td>\n                            <td>1.96%<\/td>\n                            <td>3.73%<\/td>\n                            <td>1.53%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 23<\/td>\n                            <td>1.85%<\/td>\n                            <td>3.97%<\/td>\n                            <td>1.44%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 23<\/td>\n                            <td>1.73%<\/td>\n                            <td>3.80%<\/td>\n                            <td>1.24%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 22<\/td>\n                            <td>1.90%<\/td>\n                            <td>3.48%<\/td>\n                            <td>1.20%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 22<\/td>\n                            <td>1.76%<\/td>\n                            <td>3.18%<\/td>\n                            <td>0.99%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 22<\/td>\n                            <td>1.70%<\/td>\n                            <td>3.35%<\/td>\n                            <td>0.92%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 22<\/td>\n                            <td>1.44%<\/td>\n                            <td>2.62%<\/td>\n                            <td>0.64%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 22<\/td>\n                            <td>0.81%<\/td>\n                            <td>2.13%<\/td>\n                            <td>0.47%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 22<\/td>\n                            <td>0.68%<\/td>\n                            <td>1.80%<\/td>\n                            <td>0.42%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 22<\/td>\n                            <td>0.62%<\/td>\n                            <td>1.72%<\/td>\n                            <td>0.31%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 22<\/td>\n                            <td>0.51%<\/td>\n                            <td>1.43%<\/td>\n                            <td>0.26%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 22<\/td>\n                            <td>0.48%<\/td>\n                            <td>0.96%<\/td>\n                            <td>0.22%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 22<\/td>\n                            <td>0.47%<\/td>\n                            <td>0.81%<\/td>\n                            <td>0.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 22<\/td>\n                            <td>0.31%<\/td>\n                            <td>0.69%<\/td>\n                            <td>0.12%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 22<\/td>\n                            <td>0.31%<\/td>\n                            <td>0.54%<\/td>\n                            <td>0.11%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 21<\/td>\n                            <td>0.19%<\/td>\n                            <td>0.43%<\/td>\n                            <td>0.11%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 21<\/td>\n                            <td>0.21%<\/td>\n                            <td>0.46%<\/td>\n                            <td>0.11%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 21<\/td>\n                            <td>0.17%<\/td>\n                            <td>0.41%<\/td>\n                            <td>0.11%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 21<\/td>\n                            <td>0.17%<\/td>\n                            <td>0.38%<\/td>\n                            <td>0.11%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 21<\/td>\n                            <td>0.17%<\/td>\n                            <td>0.35%<\/td>\n                            <td>0.09%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 21<\/td>\n                            <td>0.16%<\/td>\n                            <td>0.29%<\/td>\n                            <td>0.08%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 21<\/td>\n                            <td>0.19%<\/td>\n                            <td>0.33%<\/td>\n                            <td>0.07%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 21<\/td>\n                            <td>0.24%<\/td>\n                            <td>0.33%<\/td>\n                            <td>0.06%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 21<\/td>\n                            <td>0.17%<\/td>\n                            <td>0.30%<\/td>\n                            <td>0.06%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 21<\/td>\n                            <td>0.13%<\/td>\n                            <td>0.35%<\/td>\n                            <td>0.07%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 21<\/td>\n                            <td>0.33%<\/td>\n                            <td>0.35%<\/td>\n                            <td>0.06%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 21<\/td>\n                            <td>0.35%<\/td>\n                            <td>0.43%<\/td>\n                            <td>0.06%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 20<\/td>\n                            <td>0.32%<\/td>\n                            <td>0.46%<\/td>\n                            <td>0.06%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 20<\/td>\n                            <td>0.35%<\/td>\n                            <td>0.76%<\/td>\n                            <td>0.07%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 20<\/td>\n                            <td>0.26%<\/td>\n                            <td>0.54%<\/td>\n                            <td>0.08%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 20<\/td>\n                            <td>0.22%<\/td>\n                            <td>0.56%<\/td>\n                            <td>0.07%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 20<\/td>\n                            <td>0.21%<\/td>\n                            <td>0.56%<\/td>\n                            <td>0.07%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 20<\/td>\n                            <td>0.22%<\/td>\n                            <td>0.56%<\/td>\n                            <td>0.09%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 20<\/td>\n                            <td>0.38%<\/td>\n                            <td>0.71%<\/td>\n                            <td>0.16%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 20<\/td>\n                            <td>0.57%<\/td>\n                            <td>0.98%<\/td>\n                            <td>0.23%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 20<\/td>\n                            <td>0.52%<\/td>\n                            <td>1.04%<\/td>\n                            <td>0.28%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 20<\/td>\n                            <td>0.54%<\/td>\n                            <td>1.27%<\/td>\n                            <td>0.39%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 20<\/td>\n                            <td>0.56%<\/td>\n                            <td>1.21%<\/td>\n                            <td>0.41%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 20<\/td>\n                            <td>0.60%<\/td>\n                            <td>1.22%<\/td>\n                            <td>0.41%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 19<\/td>\n                            <td>0.57%<\/td>\n                            <td>1.23%<\/td>\n                            <td>0.41%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 19<\/td>\n                            <td>0.53%<\/td>\n                            <td>1.29%<\/td>\n                            <td>0.43%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 19<\/td>\n                            <td>0.87%<\/td>\n                            <td>1.30%<\/td>\n                            <td>0.43%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 19<\/td>\n                            <td>0.93%<\/td>\n                            <td>1.27%<\/td>\n                            <td>0.43%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 19<\/td>\n                            <td>0.89%<\/td>\n                            <td>1.24%<\/td>\n                            <td>0.43%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 19<\/td>\n                            <td>0.87%<\/td>\n                            <td>1.23%<\/td>\n                            <td>0.44%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 19<\/td>\n                            <td>0.95%<\/td>\n                            <td>1.25%<\/td>\n                            <td>0.44%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 19<\/td>\n                            <td>0.85%<\/td>\n                            <td>1.21%<\/td>\n                            <td>0.45%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 19<\/td>\n                            <td>0.86%<\/td>\n                            <td>1.35%<\/td>\n                            <td>0.45%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 19<\/td>\n                            <td>0.95%<\/td>\n                            <td>1.36%<\/td>\n                            <td>0.45%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 19<\/td>\n                            <td>0.90%<\/td>\n                            <td>1.40%<\/td>\n                            <td>0.45%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 19<\/td>\n                            <td>0.86%<\/td>\n                            <td>1.41%<\/td>\n                            <td>0.27%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 18<\/td>\n                            <td>0.93%<\/td>\n                            <td>1.43%<\/td>\n                            <td>0.27%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 18<\/td>\n                            <td>0.89%<\/td>\n                            <td>1.43%<\/td>\n                            <td>0.27%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 18<\/td>\n                            <td>0.96%<\/td>\n                            <td>1.45%<\/td>\n                            <td>0.27%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 18<\/td>\n                            <td>0.85%<\/td>\n                            <td>1.42%<\/td>\n                            <td>0.27%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 18<\/td>\n                            <td>0.76%<\/td>\n                            <td>1.31%<\/td>\n                            <td>0.22%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 18<\/td>\n                            <td>0.68%<\/td>\n                            <td>1.34%<\/td>\n                            <td>0.21%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 18<\/td>\n                            <td>0.68%<\/td>\n                            <td>1.30%<\/td>\n                            <td>0.21%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 18<\/td>\n                            <td>0.63%<\/td>\n                            <td>1.20%<\/td>\n                            <td>0.20%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 18<\/td>\n                            <td>0.68%<\/td>\n                            <td>1.17%<\/td>\n                            <td>0.20%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 18<\/td>\n                            <td>0.88%<\/td>\n                            <td>1.24%<\/td>\n                            <td>0.21%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 18<\/td>\n                            <td>0.86%<\/td>\n                            <td>1.12%<\/td>\n                            <td>0.20%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 18<\/td>\n                            <td>0.94%<\/td>\n                            <td>1.26%<\/td>\n                            <td>0.20%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 17<\/td>\n                            <td>0.36%<\/td>\n                            <td>1.19%<\/td>\n                            <td>0.21%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 17<\/td>\n                            <td>0.29%<\/td>\n                            <td>1.23%<\/td>\n                            <td>0.12%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 17<\/td>\n                            <td>0.27%<\/td>\n                            <td>1.42%<\/td>\n                            <td>0.12%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 17<\/td>\n                            <td>0.30%<\/td>\n                            <td>1.19%<\/td>\n                            <td>0.14%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 17<\/td>\n                            <td>0.35%<\/td>\n                            <td>1.11%<\/td>\n                            <td>0.14%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 17<\/td>\n                            <td>0.33%<\/td>\n                            <td>0.97%<\/td>\n                            <td>0.14%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 17<\/td>\n                            <td>0.34%<\/td>\n                            <td>0.98%<\/td>\n                            <td>0.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 17<\/td>\n                            <td>0.41%<\/td>\n                            <td>0.96%<\/td>\n                            <td>0.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 17<\/td>\n                            <td>0.45%<\/td>\n                            <td>0.99%<\/td>\n                            <td>0.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 17<\/td>\n                            <td>0.43%<\/td>\n                            <td>0.74%<\/td>\n                            <td>0.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 17<\/td>\n                            <td>0.44%<\/td>\n                            <td>0.91%<\/td>\n                            <td>0.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 17<\/td>\n                            <td>0.40%<\/td>\n                            <td>0.89%<\/td>\n                            <td>0.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 16<\/td>\n                            <td>0.49%<\/td>\n                            <td>0.85%<\/td>\n                            <td>0.15%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 16<\/td>\n                            <td>0.59%<\/td>\n                            <td>0.90%<\/td>\n                            <td>0.25%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 16<\/td>\n                            <td>0.64%<\/td>\n                            <td>0.85%<\/td>\n                            <td>0.26%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 16<\/td>\n                            <td>0.65%<\/td>\n                            <td>0.80%<\/td>\n                            <td>0.28%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 16<\/td>\n                            <td>0.70%<\/td>\n                            <td>1.09%<\/td>\n                            <td>0.28%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 16<\/td>\n                            <td>0.81%<\/td>\n                            <td>1.06%<\/td>\n                            <td>0.34%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 16<\/td>\n                            <td>0.85%<\/td>\n                            <td>1.07%<\/td>\n                            <td>0.40%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 16<\/td>\n                            <td>0.87%<\/td>\n                            <td>1.07%<\/td>\n                            <td>0.40%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 16<\/td>\n                            <td>0.92%<\/td>\n                            <td>1.10%<\/td>\n                            <td>0.44%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 16<\/td>\n                            <td>0.87%<\/td>\n                            <td>1.26%<\/td>\n                            <td>0.46%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 16<\/td>\n                            <td>0.91%<\/td>\n                            <td>1.38%<\/td>\n                            <td>0.46%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 16<\/td>\n                            <td>0.86%<\/td>\n                            <td>1.40%<\/td>\n                            <td>0.47%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 15<\/td>\n                            <td>0.85%<\/td>\n                            <td>1.17%<\/td>\n                            <td>0.48%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 15<\/td>\n                            <td>0.99%<\/td>\n                            <td>1.38%<\/td>\n                            <td>0.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 15<\/td>\n                            <td>0.99%<\/td>\n                            <td>1.39%<\/td>\n                            <td>0.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 15<\/td>\n                            <td>0.98%<\/td>\n                            <td>1.52%<\/td>\n                            <td>0.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 15<\/td>\n                            <td>1.01%<\/td>\n                            <td>1.51%<\/td>\n                            <td>0.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 15<\/td>\n                            <td>1.01%<\/td>\n                            <td>1.43%<\/td>\n                            <td>0.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 15<\/td>\n                            <td>1.01%<\/td>\n                            <td>1.46%<\/td>\n                            <td>0.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 15<\/td>\n                            <td>1.01%<\/td>\n                            <td>1.40%<\/td>\n                            <td>0.56%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 15<\/td>\n                            <td>1.03%<\/td>\n                            <td>1.41%<\/td>\n                            <td>0.56%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 15<\/td>\n                            <td>1.02%<\/td>\n                            <td>1.41%<\/td>\n                            <td>0.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 15<\/td>\n                            <td>1.02%<\/td>\n                            <td>1.41%<\/td>\n                            <td>0.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 15<\/td>\n                            <td>1.02%<\/td>\n                            <td>1.43%<\/td>\n                            <td>0.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 14<\/td>\n                            <td>1.05%<\/td>\n                            <td>1.41%<\/td>\n                            <td>0.57%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 14<\/td>\n                            <td>1.09%<\/td>\n                            <td>1.46%<\/td>\n                            <td>0.57%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 14<\/td>\n                            <td>1.09%<\/td>\n                            <td>1.49%<\/td>\n                            <td>0.63%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 14<\/td>\n                            <td>1.09%<\/td>\n                            <td>1.50%<\/td>\n                            <td>0.62%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 14<\/td>\n                            <td>1.09%<\/td>\n                            <td>1.50%<\/td>\n                            <td>0.62%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 14<\/td>\n                            <td>1.19%<\/td>\n                            <td>1.50%<\/td>\n                            <td>0.62%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 14<\/td>\n                            <td>1.17%<\/td>\n                            <td>1.49%<\/td>\n                            <td>0.72%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 14<\/td>\n                            <td>1.19%<\/td>\n                            <td>1.48%<\/td>\n                            <td>0.73%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 14<\/td>\n                            <td>1.31%<\/td>\n                            <td>1.54%<\/td>\n                            <td>0.73%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 14<\/td>\n                            <td>1.40%<\/td>\n                            <td>1.55%<\/td>\n                            <td>0.73%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 14<\/td>\n                            <td>1.18%<\/td>\n                            <td>1.50%<\/td>\n                            <td>0.73%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 14<\/td>\n                            <td>1.17%<\/td>\n                            <td>1.50%<\/td>\n                            <td>0.76%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 13<\/td>\n                            <td>1.09%<\/td>\n                            <td>1.50%<\/td>\n                            <td>0.81%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 13<\/td>\n                            <td>1.17%<\/td>\n                            <td>1.54%<\/td>\n                            <td>0.75%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 13<\/td>\n                            <td>1.26%<\/td>\n                            <td>1.61%<\/td>\n                            <td>0.75%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 13<\/td>\n                            <td>1.26%<\/td>\n                            <td>1.67%<\/td>\n                            <td>0.75%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 13<\/td>\n                            <td>1.26%<\/td>\n                            <td>1.74%<\/td>\n                            <td>0.75%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 13<\/td>\n                            <td>1.26%<\/td>\n                            <td>1.75%<\/td>\n                            <td>0.76%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 13<\/td>\n                            <td>1.32%<\/td>\n                            <td>1.78%<\/td>\n                            <td>0.83%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 13<\/td>\n                            <td>1.40%<\/td>\n                            <td>1.74%<\/td>\n                            <td>0.83%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 13<\/td>\n                            <td>1.90%<\/td>\n                            <td>1.90%<\/td>\n                            <td>0.98%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 13<\/td>\n                            <td>1.94%<\/td>\n                            <td>2.01%<\/td>\n                            <td>0.98%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 13<\/td>\n                            <td>1.84%<\/td>\n                            <td>2.01%<\/td>\n                            <td>1.03%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 13<\/td>\n                            <td>1.78%<\/td>\n                            <td>2.02%<\/td>\n                            <td>1.05%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 12<\/td>\n                            <td>1.85%<\/td>\n                            <td>2.16%<\/td>\n                            <td>1.05%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 12<\/td>\n                            <td>2.03%<\/td>\n                            <td>2.20%<\/td>\n                            <td>1.07%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 12<\/td>\n                            <td>2.21%<\/td>\n                            <td>2.34%<\/td>\n                            <td>1.42%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 12<\/td>\n                            <td>2.39%<\/td>\n                            <td>2.54%<\/td>\n                            <td>1.53%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 12<\/td>\n                            <td>2.52%<\/td>\n                            <td>2.53%<\/td>\n                            <td>1.53%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 12<\/td>\n                            <td>2.57%<\/td>\n                            <td>2.63%<\/td>\n                            <td>1.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 12<\/td>\n                            <td>2.57%<\/td>\n                            <td>2.66%<\/td>\n                            <td>1.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 12<\/td>\n                            <td>2.70%<\/td>\n                            <td>2.72%<\/td>\n                            <td>1.53%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 12<\/td>\n                            <td>2.84%<\/td>\n                            <td>2.78%<\/td>\n                            <td>1.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 12<\/td>\n                            <td>2.83%<\/td>\n                            <td>2.77%<\/td>\n                            <td>1.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 12<\/td>\n                            <td>2.57%<\/td>\n                            <td>2.51%<\/td>\n                            <td>1.55%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 12<\/td>\n                            <td>2.41%<\/td>\n                            <td>2.60%<\/td>\n                            <td>1.54%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 11<\/td>\n                            <td>2.41%<\/td>\n                            <td>2.59%<\/td>\n                            <td>1.52%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 11<\/td>\n                            <td>2.41%<\/td>\n                            <td>2.59%<\/td>\n                            <td>1.52%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 11<\/td>\n                            <td>2.42%<\/td>\n                            <td>2.69%<\/td>\n                            <td>1.51%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 11<\/td>\n                            <td>2.42%<\/td>\n                            <td>2.69%<\/td>\n                            <td>1.50%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 11<\/td>\n                            <td>2.37%<\/td>\n                            <td>2.54%<\/td>\n                            <td>1.47%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 11<\/td>\n                            <td>2.54%<\/td>\n                            <td>2.59%<\/td>\n                            <td>1.42%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 11<\/td>\n                            <td>2.31%<\/td>\n                            <td>2.51%<\/td>\n                            <td>1.46%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 11<\/td>\n                            <td>2.65%<\/td>\n                            <td>2.54%<\/td>\n                            <td>1.45%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 11<\/td>\n                            <td>2.68%<\/td>\n                            <td>2.70%<\/td>\n                            <td>1.44%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 11<\/td>\n                            <td>2.68%<\/td>\n                            <td>2.48%<\/td>\n                            <td>1.33%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 11<\/td>\n                            <td>2.47%<\/td>\n                            <td>2.33%<\/td>\n                            <td>1.31%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div>\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; }\n.newsletter-signupImageHolder { width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 80px !important; position: relative; }\n.newsletter-signupImage { width: 74px; min-width: 74px; position: absolute; bottom: 0; right: 0; padding-right: 8px; }\n.newsletter-signupGrid { padding-bottom: 0 !important; }\n.newsletter-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.3px; }\n.newsletter-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 22px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; color: #232320}\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n.newsletter-signupCard { height: 120px; }\n.newsletter-signupImageHolder { max-width: 92px !important; }\n.newsletter-signupImage { min-width: 110px; padding-right: 6px; }\n}\n@media only screen and (max-width: 601px) {\n.newsletter-signupCard { height: 200px; }\n}\n<\/style>\n\n\n\n<div id=\"newsletter-signup\" class=\"u-rounded--lg has-padding-small no-padding-bottom has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom newsletter-signupImageHolder\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png\" alt=\"Kate Steere\" class=\"newsletter-signupImage\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/kate_steere_3.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col has-margin-bottom-xsmall\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@l\">\n\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall is-hidden is-visible@s\">Share your opinions to win prizes or earn cash!<\/p>\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xxsmall has-padding-bottom-xxsmall is-hidden@s\">Share your opinions to win!<\/p><p class=\"newsletter-signupText no-margin-bottom has-padding-bottom-xsmall\">Sign up to receive deals and tips, plus opportunities to win prizes for your opinions and experiences! (T&amp;Cs)<\/p>\n\n<\/div>\n<div class=\"u-grid__col u-2\/5@l\">\n\n<form class=\"form js-ns-newsletter\" data-validation=\"\" data-niche=\"FIN\" novalidate=\"\" data-form=\"subscriptionBox\">\n<div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-xxsmall\">\n<div class=\"u-grid__col u-2\/3 newsletter-signupGrid\">\n<div class=\"form__group\">\n<div class=\"form__input-group icon-mail js-email no-margin-bottom\"><input id=\"emlfld\" class=\"form__input-text form__input-group-text\" size=\"20\" maxlength=\"100\" type=\"email\" name=\"email\" placeholder=\" Enter your email\" aria-label=\"Email Address (required)\" aria-describedby=\"privacyDescription\" required=\"\" style=\"height: 40px; border-radius: 10px 0px 0px 10px; border: 1px solid #232320; padding: 0.5em;\">\n<\/div>\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/3 newsletter-signupGrid\">\n<button type=\"submit\" name=\"submit\" role=\"button\" class=\"u-btn--dark luna-button luna-button--fluid relative has-overflow-hidden no-margin-bottom\" onclick=\"validateEmailJoin()\" id=\"form-submit\" style=\"border-radius: 0px 10px 10px 0px; height: 40px; border: 1px solid #232320;\"><span class=\"btn__content\">Sign up<\/span><span class=\"btn__loading loading-pulse\">loading<\/span><span class=\"btn__success icon-tick\"><\/span><\/button>\n<\/div>\n<\/div>\n<p class=\"luna-form__feedback is-hidden\" id=\"email-error\"><\/p>\n<\/form>\n\n<div class=\"no-margin-bottom emllnks text-center has-padding-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/about-us\/competition-winners\" class=\"has-margin-right-xxsmall\">Winners<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Emails<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Unsubscribe<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\" class=\"has-margin-left-xxsmall\">Privacy<\/a><\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\nvar pageUrl = window.location.href;\n});\n\nfunction validateEmailJoin(){\nvar emlsgnp = document.getElementById(\"newsletter-signup\");\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nf.className = \"luna-form__feedback is-hidden\";\nif (email.includes(\"@\") && email.includes(\".\") && email.indexOf(\"gnail.com\") == -1 && email.indexOf(\"hitmail.co\") == -1) {\ngetSignUpPayload(email);\nreturn true;\n} else {\nf.innerHTML = \"Hmm... your email address doesn't look quite right. Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKFSA',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscriptionBox',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\ntrackSegmentBE(email);\n\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>Does inflation reduce the value of savings?<\/h3><p>The average UK savings account has lost \u00a32,989 in real terms between June 2020 and June 2025, according to research from personal finance site Finder.<\/p><p>A Finder survey found that the average UK adult has just over \u00a316,000 in savings. If savings rates had risen in line with inflation over the last 5 years, then this amount would now be worth \u00a320,286.<\/p><p>However, due to the high inflation we\u2019ve seen in recent years \u2013 and the fact savings rates have not kept pace with it \u2013 this figure is actually almost \u00a33,000 lower with the average savings rate. If someone had placed \u00a316,067 in a typical variable cash ISA in June 2020, it would now be worth just \u00a317,296.<\/p><p>Over the past 5 years, inflation has been above the average variable cash ISA rate for 51 out of 60 months, or 85% of the time.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431-1\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-1\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-1\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-tHAkT\" title=\"The average UK savings account lost \u00a32,718 in real terms between January 2014 and January 2024\" width=\"100%\" height=\"487\" scrolling=\"no\" aria-label=\"Column Chart\" src=\"https:\/\/datawrapper.dwcdn.net\/tHAkT\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066-1\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Year<\/th>\n                            <th scope=\"col\">Difference<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Jan 17<\/td>\n                            <td>\u00a373<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 16<\/td>\n                            <td>\u00a381<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 15<\/td>\n                            <td>-\u00a326<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 14<\/td>\n                            <td>-\u00a37<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 18<\/td>\n                            <td>-\u00a3203<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 19<\/td>\n                            <td>-\u00a3393<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 20<\/td>\n                            <td>-\u00a3515<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 21<\/td>\n                            <td>-\u00a3564<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 22<\/td>\n                            <td>-\u00a3913<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 23<\/td>\n                            <td>-\u00a32,045<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 24<\/td>\n                            <td>-\u00a32,718<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>Average savings rates vs inflation<\/h3><p>The average inflation rate in the UK reached a 41-year high of 11.1% in October 2022. This triggered a rise in the base rate and a rise in overall savings rates, although banks were not quick to pass on rates to consumers.<\/p><p>This meant that savings rose to higher average interest rates than before, although as the inflation rate decreases, we\u2019ve seen savings rates begin to drop again.<\/p><p>The inflation rate in February 2026 was 3.2%, which is higher than the average easy access savings rate.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431-2\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-2\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-2\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-hRj3Z\" title=\"Average savings interest rates vs inflation, 2014-2025\" width=\"100%\" height=\"430\" scrolling=\"no\" aria-label=\"Interactive line chart\" src=\"https:\/\/datawrapper.dwcdn.net\/hRj3Z\/1\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066-2\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Month<\/th>\n                            <th scope=\"col\">Average instant access savings rate<\/th>\n                            <th scope=\"col\">CPI inflation rate<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>Dec 25<\/td>\n                            <td>2.20%<\/td>\n                            <td>3.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Nov 25<\/td>\n                            <td>2.20%<\/td>\n                            <td>3.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Oct 25<\/td>\n                            <td>2.23%<\/td>\n                            <td>3.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Sep 25<\/td>\n                            <td>2.26%<\/td>\n                            <td>3.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Aug 25<\/td>\n                            <td>2.27%<\/td>\n                            <td>3.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jul 25<\/td>\n                            <td>2.34%<\/td>\n                            <td>3.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jun 25<\/td>\n                            <td>2.37%<\/td>\n                            <td>3.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>May 25<\/td>\n                            <td>2.41%<\/td>\n                            <td>3.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Apr 25<\/td>\n                            <td>2.46%<\/td>\n                            <td>3.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Mar 25<\/td>\n                            <td>2.45%<\/td>\n                            <td>2.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Feb 25<\/td>\n                            <td>2.57%<\/td>\n                            <td>2.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Jan 25<\/td>\n                            <td>2.62%<\/td>\n                            <td>3.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>Dec 24<\/td>\n                            <td>2.59%<\/td>\n                            <td>2.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 24<\/td>\n                            <td>2.67%<\/td>\n                            <td>2.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 24<\/td>\n                            <td>2.65%<\/td>\n                            <td>2.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 24<\/td>\n                            <td>2.66%<\/td>\n                            <td>1.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 24<\/td>\n                            <td>2.73%<\/td>\n                            <td>2.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 24<\/td>\n                            <td>2.79%<\/td>\n                            <td>2.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 24<\/td>\n                            <td>2.78%<\/td>\n                            <td>2.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 24<\/td>\n                            <td>2.77%<\/td>\n                            <td>2.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 24<\/td>\n                            <td>2.77%<\/td>\n                            <td>2.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 24<\/td>\n                            <td>2.80%<\/td>\n                            <td>3.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 24<\/td>\n                            <td>2.81%<\/td>\n                            <td>3.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 24<\/td>\n                            <td>2.82%<\/td>\n                            <td>4.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 23<\/td>\n                            <td>2.81%<\/td>\n                            <td>4.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 23<\/td>\n                            <td>2.80%<\/td>\n                            <td>3.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 23<\/td>\n                            <td>2.77%<\/td>\n                            <td>4.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 23<\/td>\n                            <td>2.74%<\/td>\n                            <td>6.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 23<\/td>\n                            <td>2.56%<\/td>\n                            <td>6.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 23<\/td>\n                            <td>2.23%<\/td>\n                            <td>6.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 23<\/td>\n                            <td>1.82%<\/td>\n                            <td>7.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 23<\/td>\n                            <td>1.74%<\/td>\n                            <td>8.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 23<\/td>\n                            <td>1.63%<\/td>\n                            <td>8.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 23<\/td>\n                            <td>1.53%<\/td>\n                            <td>10.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 23<\/td>\n                            <td>1.44%<\/td>\n                            <td>10.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 23<\/td>\n                            <td>1.24%<\/td>\n                            <td>10.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 22<\/td>\n                            <td>1.20%<\/td>\n                            <td>10.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 22<\/td>\n                            <td>0.99%<\/td>\n                            <td>10.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 22<\/td>\n                            <td>0.92%<\/td>\n                            <td>11.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 22<\/td>\n                            <td>0.64%<\/td>\n                            <td>10.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 22<\/td>\n                            <td>0.47%<\/td>\n                            <td>9.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 22<\/td>\n                            <td>0.42%<\/td>\n                            <td>10.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 22<\/td>\n                            <td>0.31%<\/td>\n                            <td>9.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 22<\/td>\n                            <td>0.26%<\/td>\n                            <td>9.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 22<\/td>\n                            <td>0.22%<\/td>\n                            <td>9.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 22<\/td>\n                            <td>0.15%<\/td>\n                            <td>7.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 22<\/td>\n                            <td>0.12%<\/td>\n                            <td>6.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 22<\/td>\n                            <td>0.11%<\/td>\n                            <td>5.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 21<\/td>\n                            <td>0.11%<\/td>\n                            <td>5.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 21<\/td>\n                            <td>0.11%<\/td>\n                            <td>5.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 21<\/td>\n                            <td>0.11%<\/td>\n                            <td>4.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 21<\/td>\n                            <td>0.11%<\/td>\n                            <td>3.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 21<\/td>\n                            <td>0.09%<\/td>\n                            <td>3.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 21<\/td>\n                            <td>0.08%<\/td>\n                            <td>2.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 21<\/td>\n                            <td>0.07%<\/td>\n                            <td>2.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 21<\/td>\n                            <td>0.06%<\/td>\n                            <td>2.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 21<\/td>\n                            <td>0.06%<\/td>\n                            <td>1.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 21<\/td>\n                            <td>0.07%<\/td>\n                            <td>0.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 21<\/td>\n                            <td>0.06%<\/td>\n                            <td>0.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 21<\/td>\n                            <td>0.06%<\/td>\n                            <td>0.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 20<\/td>\n                            <td>0.06%<\/td>\n                            <td>0.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 20<\/td>\n                            <td>0.07%<\/td>\n                            <td>0.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 20<\/td>\n                            <td>0.08%<\/td>\n                            <td>0.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 20<\/td>\n                            <td>0.07%<\/td>\n                            <td>0.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 20<\/td>\n                            <td>0.07%<\/td>\n                            <td>0.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 20<\/td>\n                            <td>0.09%<\/td>\n                            <td>1.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 20<\/td>\n                            <td>0.16%<\/td>\n                            <td>0.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 20<\/td>\n                            <td>0.23%<\/td>\n                            <td>0.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 20<\/td>\n                            <td>0.28%<\/td>\n                            <td>0.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 20<\/td>\n                            <td>0.39%<\/td>\n                            <td>1.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 20<\/td>\n                            <td>0.41%<\/td>\n                            <td>1.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 20<\/td>\n                            <td>0.41%<\/td>\n                            <td>1.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 19<\/td>\n                            <td>0.41%<\/td>\n                            <td>1.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 19<\/td>\n                            <td>0.43%<\/td>\n                            <td>1.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 19<\/td>\n                            <td>0.43%<\/td>\n                            <td>1.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 19<\/td>\n                            <td>0.43%<\/td>\n                            <td>1.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 19<\/td>\n                            <td>0.43%<\/td>\n                            <td>1.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 19<\/td>\n                            <td>0.44%<\/td>\n                            <td>2.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 19<\/td>\n                            <td>0.44%<\/td>\n                            <td>2.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 19<\/td>\n                            <td>0.45%<\/td>\n                            <td>2.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 19<\/td>\n                            <td>0.45%<\/td>\n                            <td>2.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 19<\/td>\n                            <td>0.45%<\/td>\n                            <td>1.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 19<\/td>\n                            <td>0.45%<\/td>\n                            <td>1.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 19<\/td>\n                            <td>0.27%<\/td>\n                            <td>1.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 18<\/td>\n                            <td>0.27%<\/td>\n                            <td>2.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 18<\/td>\n                            <td>0.27%<\/td>\n                            <td>2.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 18<\/td>\n                            <td>0.27%<\/td>\n                            <td>2.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 18<\/td>\n                            <td>0.27%<\/td>\n                            <td>2.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 18<\/td>\n                            <td>0.22%<\/td>\n                            <td>2.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 18<\/td>\n                            <td>0.21%<\/td>\n                            <td>2.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 18<\/td>\n                            <td>0.21%<\/td>\n                            <td>2.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 18<\/td>\n                            <td>0.20%<\/td>\n                            <td>2.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 18<\/td>\n                            <td>0.20%<\/td>\n                            <td>2.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 18<\/td>\n                            <td>0.21%<\/td>\n                            <td>2.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 18<\/td>\n                            <td>0.20%<\/td>\n                            <td>2.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 18<\/td>\n                            <td>0.20%<\/td>\n                            <td>3.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 17<\/td>\n                            <td>0.21%<\/td>\n                            <td>3.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 17<\/td>\n                            <td>0.12%<\/td>\n                            <td>3.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 17<\/td>\n                            <td>0.12%<\/td>\n                            <td>3.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 17<\/td>\n                            <td>0.14%<\/td>\n                            <td>3.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 17<\/td>\n                            <td>0.14%<\/td>\n                            <td>2.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 17<\/td>\n                            <td>0.14%<\/td>\n                            <td>2.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 17<\/td>\n                            <td>0.15%<\/td>\n                            <td>2.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 17<\/td>\n                            <td>0.15%<\/td>\n                            <td>2.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 17<\/td>\n                            <td>0.15%<\/td>\n                            <td>2.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 17<\/td>\n                            <td>0.15%<\/td>\n                            <td>2.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 17<\/td>\n                            <td>0.15%<\/td>\n                            <td>2.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 17<\/td>\n                            <td>0.15%<\/td>\n                            <td>1.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 16<\/td>\n                            <td>0.15%<\/td>\n                            <td>1.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 16<\/td>\n                            <td>0.25%<\/td>\n                            <td>1.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 16<\/td>\n                            <td>0.26%<\/td>\n                            <td>0.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 16<\/td>\n                            <td>0.28%<\/td>\n                            <td>1.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 16<\/td>\n                            <td>0.28%<\/td>\n                            <td>0.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 16<\/td>\n                            <td>0.34%<\/td>\n                            <td>0.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 16<\/td>\n                            <td>0.40%<\/td>\n                            <td>0.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 16<\/td>\n                            <td>0.40%<\/td>\n                            <td>0.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 16<\/td>\n                            <td>0.44%<\/td>\n                            <td>0.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 16<\/td>\n                            <td>0.46%<\/td>\n                            <td>0.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 16<\/td>\n                            <td>0.46%<\/td>\n                            <td>0.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 16<\/td>\n                            <td>0.47%<\/td>\n                            <td>0.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 15<\/td>\n                            <td>0.48%<\/td>\n                            <td>0.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 15<\/td>\n                            <td>0.54%<\/td>\n                            <td>0.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 15<\/td>\n                            <td>0.54%<\/td>\n                            <td>-0.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 15<\/td>\n                            <td>0.54%<\/td>\n                            <td>-0.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 15<\/td>\n                            <td>0.55%<\/td>\n                            <td>0.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 15<\/td>\n                            <td>0.54%<\/td>\n                            <td>0.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 15<\/td>\n                            <td>0.54%<\/td>\n                            <td>0.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 15<\/td>\n                            <td>0.56%<\/td>\n                            <td>0.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 15<\/td>\n                            <td>0.56%<\/td>\n                            <td>-0.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 15<\/td>\n                            <td>0.55%<\/td>\n                            <td>0.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 15<\/td>\n                            <td>0.55%<\/td>\n                            <td>0.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jan 15<\/td>\n                            <td>0.55%<\/td>\n                            <td>0.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Dec 14<\/td>\n                            <td>0.57%<\/td>\n                            <td>0.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Nov 14<\/td>\n                            <td>0.57%<\/td>\n                            <td>1.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Oct 14<\/td>\n                            <td>0.63%<\/td>\n                            <td>1.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Sep 14<\/td>\n                            <td>0.62%<\/td>\n                            <td>1.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Aug 14<\/td>\n                            <td>0.62%<\/td>\n                            <td>1.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jul 14<\/td>\n                            <td>0.62%<\/td>\n                            <td>1.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Jun 14<\/td>\n                            <td>0.72%<\/td>\n                            <td>1.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> May 14<\/td>\n                            <td>0.73%<\/td>\n                            <td>1.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Apr 14<\/td>\n                            <td>0.73%<\/td>\n                            <td>1.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Mar 14<\/td>\n                            <td>0.73%<\/td>\n                            <td>1.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td> Feb 14<\/td>\n                            <td>0.73%<\/td>\n                            <td>1.7%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><h3>Historical savings interest rates in the UK<\/h3><p>Savings rates 30 years ago were generally much higher than they are now due to the base rate being much higher. In 1990, the base rate was 13.88%, which meant that savings rates were high to keep in line with it.<\/p><p>By the year 2000, the base rate was 5.75%, and the average savings rates hovered around this mark. Then, by the end of 2008, it had been reduced to 2.00%, and by 2009, it was lowered even further to 0.50%, meaning low savings rates came with it.<\/p><p>Average savings rates remained low through the 2010s but began rising again in 2022 as the Bank of England began to raise the base rate once more in an effort to control inflation.<\/p><h3>UK inflation rate history<\/h3><p>In 2025, the average CPI inflation rate was 3.4%. The average inflation rate in the UK reached a 41-year high in October 2022, at 9.1%. The next highest year out of the past 41 years was 1991, with CPI reaching 7.5%.<\/p><ul class=\"nav nav-tabs pb-tabs\"><li class=\"active\"><a href=\"#tab8431-3\" data-toggle=\"tab\">Chart<\/a><\/li><li class=\"\"><a href=\"#tab6066-3\" data-toggle=\"tab\">Table<\/a><\/li><\/ul><div class=\"tab-content \"><div id=\"tab8431-3\" class=\"tab-pane active \"><iframe id=\"datawrapper-chart-p3SzP\" title=\"Average annual inflation rate in the UK\" width=\"100%\" height=\"400\" scrolling=\"no\" aria-label=\"Interactive line chart\" src=\"https:\/\/datawrapper.dwcdn.net\/p3SzP\/3\/\" style=\"width: 0; min-width: 100% !important; border: none;\" loading=\"lazy\"><\/iframe><\/div><div id=\"tab6066-3\" class=\"tab-pane \"><table class=\"luna-table\n     luna-table--responsiveList\n     js-tablesorter\">\n            <thead class=\"luna-table__header\">\n        <tr>\n                            <th scope=\"col\">Year<\/th>\n                            <th scope=\"col\">Average inflation rate<\/th>\n                    <\/tr>\n        <\/thead>\n        <tbody class=\"luna-table__body\">\n            <tr>\n                            <td>2025<\/td>\n                            <td>3.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2024<\/td>\n                            <td>2.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2023<\/td>\n                            <td>7.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2022<\/td>\n                            <td>9.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2021<\/td>\n                            <td>2.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2020<\/td>\n                            <td>0.9%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2019<\/td>\n                            <td>1.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2018<\/td>\n                            <td>2.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2017<\/td>\n                            <td>2.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2016<\/td>\n                            <td>0.7%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2015<\/td>\n                            <td>0.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2014<\/td>\n                            <td>1.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2013<\/td>\n                            <td>2.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2012<\/td>\n                            <td>2.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2011<\/td>\n                            <td>4.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2010<\/td>\n                            <td>3.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2009<\/td>\n                            <td>2.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2008<\/td>\n                            <td>3.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2007<\/td>\n                            <td>2.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2006<\/td>\n                            <td>2.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2005<\/td>\n                            <td>2.1%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2004<\/td>\n                            <td>1.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2003<\/td>\n                            <td>1.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2002<\/td>\n                            <td>1.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2001<\/td>\n                            <td>1.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>2000<\/td>\n                            <td>0.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1999<\/td>\n                            <td>1.3%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1998<\/td>\n                            <td>1.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1997<\/td>\n                            <td>1.8%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1996<\/td>\n                            <td>2.4%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1995<\/td>\n                            <td>2.6%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1994<\/td>\n                            <td>2.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1993<\/td>\n                            <td>2.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1992<\/td>\n                            <td>4.2%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1991<\/td>\n                            <td>7.5%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1990<\/td>\n                            <td>7.0%<\/td>\n                    <\/tr>\n            <tr>\n                            <td>1989<\/td>\n                            <td>5.2%<\/td>\n                    <\/tr>\n        <\/tbody>\n<\/table><\/div><\/div><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--primary\"><div class=\"luna-card__block\"><h3 class=\"luna-sectionTitle\">Methodology<\/h3><ul><li>The monthly savings rates in the graphs comparing inflation and savings are taken from Bank of England data on the quoted household interest rates on variable cash ISAs.<\/li><li>The historical inflation rates are CPI data from ONS. In calculations, interest is assumed to be compounded monthly.<\/li><li>To find the average UK savings, Finder commissioned Censuswide in January 2025 to conduct a nationally representative survey of adults aged 18+. A total of 2,000 people were questioned throughout Great Britain, with representative quotas for gender, age and region.<\/li><\/ul><\/div><\/article><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">More cost of living research<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><a href=\"https:\/\/www.finder.com\/uk\/banking\/disposable-income-around-the-uk\">Disposable income around the UK<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/historical-price-tracker\">Historical price tracker<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/banking\/average-price-of-a-coffee\">Average price of a coffee around the world<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/banking\/cost-of-living-calculator\">Cost of living calculator<\/a><br><a href=\"https:\/\/www.finder.com\/uk\/savings-accounts\/millionaire-calculator\">Millionaire calculator<\/a><\/div>\n  <\/div>\n<\/li><\/ul><div data-tags=\"scale-surveys product-data-insight\">\n<h4>Click <a href=\"https:\/\/www.finder.com\/uk\/stats-facts\">here<\/a> for more research. 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