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With over £170bn of extra savings built up during the pandemic, as belts are tightening, for those who have managed to save, this could well be a lifeline.

Five weeks ago the Bank of England upped UK interest rates to 1.25%, and now that seems to have been mostly incorporated into top savings rates at 1.56% easy access and with fixes even just for two years topping 3%.

Yet don't assume all rates are up. Millions of people still have billions of pounds paying diddly-squat. So check your bank isn't one that ups debt rates while ignoring savers. If it does, ditch & switch.

And of course, sadly with inflation likely to hit a stomach-punching 11% this year, bluntly, in real terms all savings are losings, as your money's purchasing power is eroding. But that makes it even more pressing to maximise every penny of savings interest, to mitigate the impact.

All savings listed have the full £85,000 UK savings safety protection.

Easy-access savings are entry-level accounts where you can put money in and take it out when you want - especially useful if you'll need to dip into them to meet the coming financial challenges.

All are variable rate, so monitor the interest in case it drops (or here's hoping, rises). A number of accounts vie for top place...

Shawbrook's straight 1.52% (min £1,000 deposit). You can put up to £85,000 in Shawbrook's 1.52% AER interest online easy-access account, but you can only withdraw in lumps of £500 (trick: need less? Just withdraw £500 then put the rest straight back).
Chase 1.5% (min £1) PLUS big perks. You can put up to £250,000 in the Chase 1.5% AER* savings account, but you need to open its bank account app to get it. Once in, you can withdraw as much or little as you like, as often as you like. You NEEDN'T switch bank to get it - just open it, with only an ID check required (so applying doesn't impact your creditworthiness).

The interest is only 20p per £1,000 per year less than Shawbrook, yet the bank account also pays a best-buy 1% cashback on all debit card spending for a year; that debit card is the cheapest for spending abroad; and it gives 5% interest on round-ups (the spare change from a purchase). If these appeal, it's an all-round winner.

As Laura emailed us: "On your advice, I opened Chase mid-April. On 1 June I received my first full month's interest of £90.64. Thank you so much. I had only received pennies annually from TSB. I have also received £29.60 for the 1% cashback."
Virgin Money M Plus 1.56% (min £1) with perks - but leaves a credit file mark. You can put up to £25,000 in Virgin Money's M Plus* savings account, but again you'll need to open (though needn't switch to) its bank account to get it. Like Chase it also has a top overseas debit card.

While it pays a smidge more interest, it does a full credit check which goes on your credit file - which feels overkill if you only want savings - especially if you've important credit applications due soon.

Though, if you do fancy switching to it, you get 20,000 Virgin points, which can be converted into various treats, eg, a dozen bottles of wine (though up to £150 free cash is available elsewhere).

Mo ran, Greg jumped, and Jess did both of those and threw too. London Olympic year 2012 was the last time we saw shorter-term fixed savings rates at 3%.

The top fixes, also known as savings bonds (be careful, lots of riskier things are called 'bonds' too) are now back at that level. They pay more than easy access and the rate is locked in so you know what you'll get.

The negative is you can't withdraw money during the fix. So examine how much you could lock away, and for how long (you can have lots of them so different money releases at different times), and leave the rest in easy access.

Rates can change by the hour - so do check the latest top fixes. Here are the correct ones at the time of sending.

Top 6mth fix: App-only Atom 2% AER (min £50) or for online access Shawbrook 1.75% (min £1,000).
Top 1yr fix: App-only Tandem 2.75% AER (min £1) or for online access Secure Trust Bank 2.73% (min £1,000).
Top 2yr fix: Online access Cynergy 3.08% AER (min £10,000) and Hodge Bank 3.05% (min £1,000).

Is it worth fixing when UK rates are rising?

If rates rise, you can't withdraw cash from fixes during the term, to shift to higher rates elsewhere. That worry is forefront right now, as more UK interest rate rises are strongly predicted. Of course, banks are just as aware as we are, so some of that potential will already have been factored in - one reason the top are far above the Bank of England base rate.

That's why I've included 6mth fixes. But going short must be balanced against the immediate extra interest from one or two-year fixes, and the hassle of more frequently changing account. My guess (I don't have a crystal ball) is it's a close call, so don't over-worry - there's no wrong decision.

You can fix for longer too: the top three and five-year fixes pay up to 3.45%, but for me that doesn't quite feel enough of a premium to lock in for longer in a rising rate environment. You may disagree though.

A decade ago you'd have often seen (a younger, slightly less grey, slightly heavier, and probably slightly faster talking) me on the telly, as usual, urging savers to use their cash ISA allowance or they'd lose it. As back then, money was nicer in an ISA, but...

Most now DON'T pay tax on savings interest. The personal savings allowance (PSA) launched in 2016, allowing basic (20%) taxpayers to earn £1,000/yr of savings interest from any account, tax-free, and higher (40%) taxpayers £500. Top (45%) taxpayers don't get one.

Do note that's the amount of INTEREST you can earn - so you need a lot of savings to generate it. At today's top easy-access rate, a basic-rate taxpayer would only pay tax on it if they'd £65,000+. That's why these days, most people - over 19 in 20 - don't actually pay tax on savings interest.
So most should ditch cash ISAs as there's no gain and they pay less. A cash ISA's just a savings account you don't pay tax on. So as MOST PEOPLE don't pay tax on savings and CASH ISA RATES ARE USUALLY LOWER than normal savings, there's no benefit to them of saving in a cash ISA (though today's top easy-access cash ISA is the closest to top savings for a while).

For years many had it drilled into them (often by me) that cash ISAs were nicer, and even though the PSA's been here for six years, many still need deprogramming. In March, my Twitter poll found 85% of the 9,000 who said they had cash ISAs don't pay tax on savings - they should be ditching them for higher interest rates from normal savings.

Yet for bigger savers and/or higher-rate taxpayers, cash ISAs are becoming more worth it. Cash ISA interest doesn't count towards the PSA, so for those who have big enough savings or earnings to break that limit, it's a boon, as they can protect more savings from tax. You can put £20,000 per year in, so it can soon build up.

And with interest rates rising, so is the web of who's caught as well, especially if you're getting the higher rates available via fixing. With a 3% fix, a basic-rate taxpayer would pay tax with more than £33,000 saved, a higher rate £17,000 - so top cash ISAs are worth it.

Even with slightly less, if you're near the limit, as interest rates are likely to rise, keeping money in cash ISAs now can protect you from future tax. It's also worth noting you can withdraw money from fixed cash ISAs (unlike normal fixes) though you pay big interest penalties for doing so.

	Top cash ISA	Top normal savings & equiv rates for the few who pay savings tax
Easy-access	Newcastle BS 1.5%	Virgin 1.56% - 1.25% after basic-rate tax - 0.9% after higher-rate tax - 0.86% after top-rate tax
1yr fix	Secure Trust Bank 2.15%	Tandem 2.75% - 2.2% after basic-rate tax - 1.65% after higher-rate tax - 1.51% after top-rate tax
2yr fix	Virgin 2.56%	Cynergy Bank 3.08% - 2.46% after basic-rate tax - 1.85% after higher-rate tax - 1.41% after top-rate tax

Easy access and fixes are the two main routes for larger savings, yet a few other options pay more, but whether you can take advantage depends on your circumstances. Here's my checklist...

1. Are you on universal credit or tax credits? You may be eligible for an unbeatable 50% savings bonus via Help to Save. Charlotte emailed me: "I saw one of your shows a while back where you told us about the Government Help to Save scheme. I set it up and have been paying in the max £50/mth and have just received my £575 bonus. Thanks."

2. Do you have existing expensive debt? Paying off debt is usually more lucrative than saving. For help, see the Should I pay off my debt? guide. It's more complex with mortgages, but can work for many. See Should I overpay my mortgage?

3. Are you a wannabe first-time buyer aged 18-39? There's a whopping 25% bonus possible via top Lifetime ISAs. It worked for Bradley, who emailed: "Just a thanks / success story - your insightful information on Lifetime ISAs really helped me to afford my deposit. Within 3 tax years, I've maxed out the deposit limit of £4,000/yr and received the £1,000 bonuses, in total saving £15,000."

4. Save regularly each month? Earn 5% in top regular savings.

5. Are Premium Bonds worth it? The prize rate went up to 1.4% last month, though that's still less than top easy-access accounts (unless you earn more than the PSA), and someone with typical luck wins less anyway. Full pros & cons in Are Premium Bonds worth it?

6. With inflation high and savings relatively low, should you invest? With investing, you aim for higher returns, but accept the risk you could lose some or all of your initial investment. I don't talk about it, not because I'm against it, just because it's not my expertise.

For many, over the longer run, investing is the right call. For an introduction, see Stocks & shares ISAs, but you'll need more specialised websites for help on what to invest in.

DON'T believe the fake 'Martin Lewis' or 'MSE' ads
Lots of scam ads litter social media and even newspaper websites - some of these lie that we or Martin promote Bitcoin, binary trading etc. See Fake ads warning.

Do you pay over £5/month for your mobile? If so, WHY? You can get 12GB data and unlimited mins & texts for less
New hot deals. Stop being overcharged - check if you save by switching Sim

There are thought to be nine million people out of contract on mobile phones, and the huge majority of them are overpaying - some by £100s a year. This is especially pertinent as mobile tariffs, via cheap Sims (switching the chip in your phone that dictates your data, calls & texts allowance) is one of the rare areas where cheap deals are getting cheaper. Our Cheap Sim comparison has all the deals, but let's quickly run through the key decision...

Should you be paying over £5/month for your mobile? Our checklist will tell you...

In contract and still paying off a handset? If so, then you'll be paying more. Just be careful once the handset is paid off as, disgracefully, some firms keep you on the same handset and airtime rates, despite you having paid off the phone. Don't stand for it - that's when you ditch & switch.

If you're out of contract, and aren't a data-fiend, slash your cost. If you're happy with your handset, check if you save by switching Sim. Don't worry, you can just text to keep your existing number. Check by doing a full Sim comparison, but we've picked out the headline new-customer deals below. All have UNLIMITED MINUTES & TEXTS...

New. Smarty (part of Three and uses its network)	4GB/month for £4/month. MSE Blagged. It's a straight £4/month for a year if you set it to auto-renew each month. Though it's a rolling one-month contract, so you can cancel any time.
New. Lycamobile (uses O2's network)	12GB/month data for '£4.20/month'. MSE Blagged. It's £1.49/month for 6 months, then £6.90/month, so an average of £4.20/month over a year. It's a monthly contract, so you can cancel any time. Lycamobile doesn't offer 5G data speeds on iPhones, or Wi-Fi and 4G calling on all phones, so be aware if that's an issue.

If your current handset is locked and you're out of contract, your network must let you unlock your phone for free.

Big data user? Check if you're paying more than £12/month. Most people tell us they use 3GB/month or less (unsure? try our Data Calculator) and only 8% use more than 10GB - though the 12GB deal above gives a little buffer for pennies more than lesser-data deals. However, some - especially those who are constantly watching videos on YouTube or TikTok - can use a lot more. In which case, there are now some very competitive high data deals, and our standout is...

Three (uses its own network)
100GB/month for '£10.84/month'. It's £15/month, but gives £50 automatic cashback within 3 months. With that it's equivalent to £10.84/month over the year's contract.
Not willing to switch because you want to stay on the same signal? There is a way... There are only four networks in the UK: Vodafone, Three, EE and O2. All the others are virtual or piggyback providers, meaning they use one of those four networks' signals (see who piggybacks on who). So you can keep your signal but often find a far cheaper deal - our cheap Sim tool lets you filter by network to find it.

Do be aware though: the piggyback firms have the same signal but can have totally different packages, so check they offer 5G, Wi-Fi calling or 4G calling.
Paying more because you roam? If you use your phone abroad a lot (and can't just use Wi-Fi), that can add a fair whack to your bill, especially if you're travelling outside Europe (all the Sims above, apart from Three, let you roam like at home for no charge within the EU). If that's you, see our Cheap roaming guide.

And finally, as with broadband which we discuss below, mobile firms are among the easiest to haggle with - success rates for those who try are over about 70%. Use the prices above to benchmark your top deal, then see our mobile haggling tips for how to persuade your provider to match it.

Martin: 'A financial cataclysm will hit the UK roughly the time the new PM starts, devastating lives.' Already going viral, Martin's video warning to you and to Tory leadership candidates (and transcript) is to help you, and plea for them to prepare and prevent the worst. The must-watch covers the coming catastrophic rise in energy bills, the need for 'warm spaces' this winter, the risk to mortgages, unsecured debt, and more.

£2 to £4 dresses, shoes, tops - some ex-high street. MSE Blagged. 1,500+ items in Everything5pounds' sale, including surplus stock and non-branded items from high street names. Delivery from £4. Everything5pounds

Martin: 'Energy bills to rise 65% in October: 9 energy need to know NOWS.' On top of the warning above, Martin's new energy briefing shows what steps you can take (including should you fix?) and what help's available.

Shark cordless vacuum £230 off code. MSE Blagged. Costs £200 (normally £430). 5,800 available. Shark code

Now two accounts offer a FREE £150 bank switching bribe. First Direct's FREE £150* is a strong offer from the top bank for customer service (rated 90% 'great'), with a linked 3.5% regular saver and a £250 0% overdraft for many. This week it's joined by Halifax Reward's FREE £150 (rated 58% 'great') which, if you jump through a few hoops, gives you monthly rewards, including £5 cash or a monthly cinema ticket. Full reviews and key eligibility info in Best bank accounts.

Holidaying abroad? 19 things to do NOW to save when you go. From don't shop at Zara before a hol to flight cancellation rights and how best to spend abroad - see 19 holiday tips from last week's email.

Ends 10am Thu. 2.7% loan - if you NEED to borrow, we've not seen cheaper. Ratesetter is the cheapest or near cheapest for all loans from £4,000 to £25,000. Above £5,000, it's as low as 2.7%, the cheapest we've ever seen. Though unlike normal loans, this isn't a rep APR - instead fill in some details in our Cheap Loans Eligibility Calculator and you get an EXACT RATE before applying (without affecting your creditworthiness). Full help in Cheap loans.

BLAGGED FOR MSE

- £2 to £4 dresses, shoes, tops - some ex-high street Ends Sun
- Shark cordless vacuum code gets £230 off 5,800 available
- 3 months' free magazines & newspapers via app Ends 31 July
- Get £30 cashback for investing £100 4,000 available

DID YOU MISS?

- 33% off digital railcards
- £37 Ted Baker prescription specs or sunnies (normally £145)
- £133 of No7 beauty & skincare for £35 - not likely to last long
- The Sun '£9.50' holidays are back... but are they really £9.50?
- Longest 0% card for new spending since 2020 - 25 months 0%

'I saved £350 a year on my broadband and almost doubled my speed - with just one phone call'

There's a hidden world of haggling out there. Not in street markets, and not the faux business schtick of The Apprentice. It's with call centres, where, if you're out of contract and don't want to leave, don't settle - haggle. And we've a lovely broadband success of the week that proves the point today.

First, benchmark the cheapest price elsewhere. The cheapest deals are short-lived promotional offers, but even if you don't want to switch, it's worth doing a quick broadband comparison to see what you could get. This helps set your best expectations for your haggle (and they often ask where you're considering moving). Right now, prices are as low as '£13-ish' a month for standard broadband, and '£16.50ish' a month for fibre.
Then decide roughly what price you'd settle for and call your provider. While you may be armed with a price, don't see this as a battle, more an above-board financial seduction. Be polite, charming, even a bit cheeky, but never aggressive. There's full help in our Broadband haggling guide plus specific firm-by-firm guides, one of which MoneySaver Jo used...

To: successes@moneysavingexpert.com
Sent: 12 June 2022, 11.30am
Subject: Virgin broadband success - thanks

Dear Money Saving Experts,

Thank you for the really helpful "Haggle with Virgin Media" article - I'm usually too nervous to ask at all, and I'd never have managed without this guide. I read the advice and success stories, I wrote down all the right phrases and the prices from researching competitor deals, and then I felt confident to give it a go.

I rang Virgin Media because my contract ends this week and my bills were due to go up from £31 to £61 a month. Instead, we've got an upgrade from 200Mb to 350Mb and the bill goes up to... £32 a month. Thank you so much for helping me keep the bills under control!

With gratitude, Jo

If you're not getting anywhere, tell them you'll need to leave. You'll usually be put through to what's externally called 'disconnections' but internally 'customer retentions', as their job is to keep you... their staff have serious discounting power. Try phrases such as "I've worked out my budget and my max is £xx a month, can you do that?" or "Sky / Plusnet / TalkTalk / another provider can do it for £xx a month, can you beat that?" There's more in the guides.

Some people worry and get nervous to try this in case they're disconnected. Yet don't panic if it calls your bluff and moves to cancel your account. Martin's easy 'get out of jail free' card on this is the phrase: "Hold on, I'll call you back on that. I'd like to check with my wife / husband / goldfish / cactus first."

If you have no luck, try again later. When we asked MoneySavers for insider tips from their working life, one call centre worker told us that discounts offered can vary day to day, or even hour to hour. So just because it failed first time doesn't mean you'll never get an offer. And ultimately if the deal isn't good enough, don't get angry. Just take your custom elsewhere - top deals are in our broadband comparison tool.

Beware 3 cost of living scams. Criminals are trying to exploit the crisis. Spot and stop them

New. Get £30 cashback for investing £100. 4,000 available. MSE Blagged. If you plan to 'robo-invest' - where investments are selected for you based on your attitude to risk - then after fees, this InvestEngine deal is equivalent to a 29.3% head start, provided you keep it for at least 12 months. This isn't an InvestEngine recommendation - we don't do investment tips - just if you're going to use it anyway, you can get cashback. See Robo-investing cashback - including info on the deal and how robo-investing works.

3 months' free access to 6,000+ magazines & newspapers on your phone/tablet, including Hello, The Guardian, Gardeners' World. MSE Blagged. Read offline via an app, for Readly newbies. Mag-nificent

Struggling with school uniform costs? Check if you can get a grant worth up to £200. There are means-tested grants available across Scotland, Wales and Northern Ireland. In England some councils offer them, some don't. See our council-by-council school uniform round-up.

The 'Is your bank a dream or a nightmare?' poll. It's our six-monthly poll to find out how well your current account provider treats you. Please vote in the MSE banking customer service poll.

Caught out by a tax rebate firm pocketing half of your cash? How to complain. Hundreds allege they were duped into using Tax Credits Ltd, a tax rebate claims firm. See what to do if you've been caught out and how to claim for free.

Social media-savvy? Come work with us. We need a Social Media Manager plus Assistant (London-based).

Tell your friends about us

They can get this email free every week

AT A GLANCE BEST BUYS

Longest 0%: Sainsbury's Bank (check eligibility / apply*) - up to 34 months 0%, 2.88% or 3.88% fee (21.9% rep APR interest)
No-fee 0%: Sainsbury's Bank (check eligibility / apply*) - up to 22 months 0% (21.9% rep APR) or NatWest - 22 months 0% if you're a NatWest/RBS customer (21.9% rep APR)

£150 to switch + TOP service: First Direct
New. Free £150 + £5/month: Halifax

Top easy access: Virgin Money 1.56%, no min deposit
Top one-year fix: Tandem 2.75%, min £1

Try our new MSE Car Insurance Compare+ tool

Cheapest for £5,000 to £7,499: M&S Bank* 3.7% rep APR interest
Cheapest £7.5k to £15k: Finble 2.7% rep APR (1 to 7 years, via eligibility calculator only)

Standard (10Mb+): Plusnet '£12.74/month'
Fibre (30Mb+): Shell Energy '£16.58/month'
Superfast fibre (55Mb+): Shell Energy '£16.91/month'

On universal credit or similar? Check discounted social tariffs

Up to 3GB data: Lebara, '£3.95/month' for 3GB, unlimited mins & texts
4GB to 9GB data: Smarty, £4/month for 4GB, unlimited mins & texts
10GB+ data: Lycamobile, '£4.20/month' for 12GB, unlimited mins & texts

THIS WEEK'S POLL

How do you rate your bank account's service? Every six months, we ask for your help to track the quality of customer service provided by banks. By comparing your answers with last time, we can see which providers have got better or worse. Let us know how you rate your bank.

Most MoneySavers are on a fixed tariff for electricity and gas. Last week, we asked you if you were on the energy price cap or a fixed tariff. Of the 42,000 people who responded, a whopping 60% said they had fixed, with 45% of those having fixed before 30 September 2021 when prices were much cheaper. One in five of you, however, have fixed since April this year, perhaps to try to get ahead of price cap rises due in the autumn. See the full Have you fixed? poll results.

MSE NEWS

- Top story: Energy firms ordered to take urgent action on direct debits after major failings
- Mortgage prisoners make £800m legal claim against TSB
- Hive to axe cameras and other devices by 2025
- Households start to receive cost of living payments - but there could be delays for some
- Boohoo introduces £1.99 returns fee

MONEY MORAL DILEMMA

How much should my partner pay towards our holiday? I'm going away with my partner, his 15-year-old daughter and our 16-month-old daughter this summer. We're debating how much he should pay. He suggests he pays for his and his daughter's flights and me for my flight (our toddler will be on our laps), and that we split the accommodation equally, as we'd need somewhere to stay even if his daughter wasn't coming. Yet we'd have booked a smaller, cheaper apartment if she wasn't there, so is it fair to divide it equally? Enter the Money Moral Maze: How much should my partner pay towards our holiday? | Suggest a Money Moral Dilemma

- Freeze damp flannels for draping over yourself
- Keep your pillow or duvet in the freezer before use
- Make ice lollies for your dog
- Freeze packed lunches (sandwiches, juice cartons)
- Swap cooked food for wraps, salads & cold leftovers

- Add thermal lining to curtains & keep partially closed
- Make booze-free cocktails, iced coffee and so on
- Loft hatch? Open at night so heat rises into it
- Keep a plant mister to hand for spritzing yourself
- Wear loose-fitting cotton/linen, not synthetic fibres

MSE TEAM BLOG

- Hedgehogs, holidays and heatwave hacks - last week's MSE Forum highlights

MARTIN'S APPEARANCES (WED 20 JUL ONWARDS)

Wed 20 Jul - This Morning, phone-in, ITV, 10.20am
Wed 20 Jul - Ask Martin Lewis, BBC Radio 5 Live, 1pm

MSE TEAM APPEARANCES (SUBJECT TBC)

Tue 26 Jul - BBC Radio Cambridgeshire, Mid-morning with Jeremy Sallis, from 10.45am

WHAT'S THE ONE MONEYSAVING THING YOU'VE TRIED ONCE, BUT WILL NEVER DO AGAIN?

That's all for this week, but before we go... we asked on social media for the MoneySaving things you've tried, but would never do again. One MoneySaver had attempted to make various products at home, but had always failed (we're looking at you, homemade oat milk) and another said that paid surveys rarely paid off for them - although this was highly contested by others who had seen success. But most agreed they would never again skimp on bin bags, teabags and toilet roll, with few keen to revisit the cheaper versions. Read more and tell us yours on our Once bitten, twice shy MoneySaving Facebook post.

We hope you save some money, stay safe,
The MSE team

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