In this episode, Jonny and Jan run through the best UK savings rates for August 2026 — where to actually put your money now the Bank of England has held the base rate at 3.75%. From 8% regular savers to 5% fixed bonds and a market-leading cash ISA, we cut past the headline rates to the catches that decide what you really earn.

What we cover:

• Switch offers worth up to £600 — and which are genuinely easy to qualify for
• Easy-access accounts topping 5% — and why a 4.55% account can quietly beat them
• Fixed rate bonds up to 5% — and whether locking in actually makes sense right now
• Cash ISAs — including eToro at 4.87%, why it's not a normal savings account, and the best fixed ISAs
• Notice accounts — and why they barely make sense this month
• Regular savers at 8% — plus the £675 "top" account that isn't what it looks like

Every account we mention is on DepositScout.com — filter by type, compare rates properly, run the savings and tax calculators, and check the rate history graphs before you open anything.

eToro's 4.87% Cash ISA (Market Leading)
OakNorth's Fixed Bonds
Tembo's Home Saver

Rates were correct at the time of recording and can change at any time. This is general information, not financial advice — always do your own research. Some links in the show notes are affiliate links, and we may earn a small commission at no extra cost to you.

Join the new Banking Without Borders Discord community

https://link.bankingwithoutborders.co.uk/discord

Check out our website DepositScout.com for the latest savings rates.

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

IHG has brought out its first UK cards in three years — two Revolut debit cards dangling instant hotel status, boosted points and a 30,000-point welcome bonus. Jonny and Jan run the real maths on the free Essential and the £18-a-month Elite to work out whether £216 a year is a genuine bargain or a shiny trap.

• Essential (free) vs Elite (£18/month, £216/year) — status, welcome bonuses and metal cards compared
• What an IHG One Rewards point is really worth, and why everyday spend earns just 0.2–0.6%
• Where the value actually hides: hotel spend, the welcome bonus and the £35k "full house"
• The catches — no Section 75, a Revolut account you can't avoid, and sneaky exit fees
• How it stacks up against Hilton, Marriott and Currensea, plus the cheaper Platinum shortcut
• Who these cards genuinely suit — and who's walking into a trap

Join the new Banking Without Borders Discord community

https://link.bankingwithoutborders.co.uk/discord

Check out our website DepositScout.com for the latest savings rates.

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com

In this episode, we compare four stocks and shares ISA providers — XTB, Trading 212, IG and eToro — and work out which ones actually deserve your money.

What we cover:

• DIY, managed and advised — and why the fees only make sense inside their category
• What you can actually invest in at each provider, and why eToro is the weakest despite being the nicest app to use
• FX fees, interest on idle cash, and fractional shares
• The cash ISA cut from £20,000 to £12,000, and the money market route people are talking about
• Why we'd both pick XTB — and when Trading 212 is the better call
• St James's Place, Hargreaves Lansdown, and what you're really paying more for

Sign-up for XTB: https://link.bankingwithoutborders.co.uk/i53xvc
Sign-up for Trading212: https://link.bankingwithoutborders.co.uk/kf1n2y

Join the new Banking Without Borders Discord community

https://link.bankingwithoutborders.co.uk/discord

Check out our website DepositScout.com for the latest savings rates.

Connect with us (via LinkedIn)

Jan: https://www.linkedin.com/in/jan-watermann/

Jonny: http://www.linkedin.com/in/jonny-pease

Got a question or topic you want us to cover? Drop us a message at jonny@technicallymoney.com