英国银行业的激烈竞争正在推动储蓄利率不断上升。[1]当前，消费者可在即时取用账户中获得高达5%的利息，定期储蓄债券接近5%，而定期储蓄账户的利率更是达到8%。[1]
超过基准利率的储蓄账户数量已达1,385个，创下6年多以来的新高。[1]这为持有闲置现金的储户提供了更丰厚的回报选择。英国央行基准利率目前为3.75%。[1]
各家金融机构推出了多种竞争性产品。Revolut提供5%的利率优惠，该优惠政策适用至2024年8月4日，单个账户限额为£25,000。[1]Chase Saver账户为新客户提供4.5%的利率，其中包含持续12个月的2.25%奖金。[1]Marcus by Goldman Sachs推出的一年期定期债券提供4.9%的利率。[1]
在更高收益的产品端，Lloyds Monthly Saver账户提供8%的利率，储户每月可存入£25至£250。[1]Santander的定期储蓄账户同样提供8%的利率，期限为12个月，每月最多可存入£200。[1]
储户需要注意个人储蓄的免税额度。基础税率纳税人的免税额为£1,000，高等税率纳税人为£500，而年收入低于£17,570的低收入者可享受£5,000的免税额。[1]
British banks are competing aggressively for savers' deposits, with interest rates on offer reaching unprecedented levels. Consumers can now access instant-access accounts paying up to 5% [1], fixed-rate savings bonds approaching 5% [1], and fixed-rate savings accounts offering rates as high as 8% [1].
This competitive surge reflects the broader financial landscape, where the Bank of England base rate currently stands at 3.75% [1]. The number of savings accounts exceeding the base rate has climbed to 1,385, the highest level in over six years [1].
Several institutions are leading the rate competition. Revolut is offering 5% on deposits up to £25,000 through August 4, 2024 [1]. Chase's Saver account provides new customers with 4.5% interest, comprising a 2.25% bonus lasting 12 months [1]. Marcus by Goldman Sachs offers 4.9% on one-year fixed-rate bonds [1].
Among the top-paying fixed-rate options, Lloyds' Monthly Saver account delivers 8% interest on monthly deposits between £25 and £250 [1], while Santander's fixed-rate savings account also pays 8% over 12 months with a maximum monthly deposit of £200 [1].
Savers should note the tax-free thresholds: basic-rate taxpayers can earn £1,000 interest tax-free, higher-rate taxpayers £500, and those earning less than £17,570 annually qualify for up to £5,000 in tax-free savings interest [1].