英国银行竞相提高储蓄利率，最高可达8%

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。1Chase 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。1Marcus 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。1Santander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

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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.

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