Household Saving Rate in the United Kingdom decreased to 9.50 percent in the third quarter of 2025 from 10.20 percent in the second quarter of 2025. This dataset provides - United Kingdom Households Saving Ratio - actual values, historical data, forecast, chart, statistics, economic calendar and news.

In 2025, households from the United Kingdom (UK) are expected to save over **** percent of their disposable incomes. This savings rate fluctuated significantly since 2007, with the lowest figures recorded in 2018 at **** percent. In 2020, due to the coronavirus (COVID-19) outbreak and resulting lockdowns, savings rates spiked across the world. In the UK, savings rate reached roughly ** percent that year, more than ***** times higher than in the previous year.

Key information about UK Gross Savings Rate

• UK Gross Savings Rate was measured at 16.9% in Sep 2025, compared with 16.9% in the previous quarter.
• UK Gross Savings Rate is updated quarterly, with data available from Mar 1955 to Sep 2025, and an average rate of 16.9%.
• The data reached an all-time high of 16.9% in Mar 1973 and a record low of 13.5% in Jun 1955.
• CEIC calculates Gross Domestic Savings Rate from quarterly Gross Domestic Savings and quarterly Nominal GDP. Gross Domestic Savings is calculated as Nominal GDP less Final Consumption Expenditure. Final Consumption Expenditure is calculated as the sum of Household, NPISHs and Government Expenditure. Office for National Statistics provides Final Consumption Expenditure in local currency and Nominal GDP in local currency.
• In the latest reports, UK GDP expanded 1.3% YoY in Sep 2025.
• UK Nominal GDP reached 1,029,876.0 USD mn in Sep 2025. Its GDP deflator (implicit price deflator) increased 3.7% in Sep 2025.
• UK GDP Per Capita reached 53,191.3 USD in Dec 2024.

The savings rate of households in the United Kingdom (UK) fell in the first quarter of 2025. That came after a period of rising household savings that peaked in the second quarter of 2020, when they amounted to 27.5 percent of their disposable income.

The average interest rate of instant access deposits in the United Kingdom (UK) has started declining since the second half of 2024. That was after the interest rates of those products soared in 2022 and 2023, peaking at 2.82 percent in January 2024. In contrast, the interest rate of instant access deposits dropped to 0.06 percent in April 2021. As of February 2026, the interest rate amounted to 2.12 percent.

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Context

The UK savings interest rate dataset offers a comprehensive snapshot of the nation's interest rates on a range of savings accounts from fixed rate bonds to ISAs.

Content

This dataset spans from January 1999 to October 2023, providing a comprehensive and longitudinal perspective on the evolution of savings rates in the United Kingdom.

This dataset includes the the interest rate time series for the following rates:

• Instant access accounts
• Branch accounts
• Fixed rate bonds (1-year and 2-year)
• Cash ISA accounts
• Fixed rate ISA accounts (1-year)
• Bank of England official rate

Links

This data has been sourced from the Building Societies Association website: https://www.bsa.org.uk/statistics/

This dataset provides values for PERSONAL SAVINGS reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

The average interest rate of instant access deposits in the United Kingdom (UK) has started declining since the second half of 2024. That was after the interest rates of those products soared in 2022 and 2023, peaking at **** percent in January 2024. In contrast, the interest rate of instant access deposits dropped to **** percent in April 2021. As of August 2025, the interest rate amounted to **** percent.

A nationally representative survey of 2,000 UK adults exploring average savings balances, the prevalence of 'zero-savings' households, and disparities in financial buffers across different age groups, genders, and generations.

"Mortgages" and "Real estate" are the top two answers among UK consumers in our survey on the subject of "Most used financial products".The survey was conducted online among 6,176 respondents in the UK, in 2025.

Over a ******* of households in the United Kingdom (UK) had less than 1,500 British pounds in savings and investments in the financial year of 2023/24. Meanwhile, ** percent of all households had at least 30,000 British pounds saved up. In 2023/24, Northern Ireland was one of the regions in the United Kingdom with the lowest ownership rate of ISAs and other savings accounts.

Household gross saving rate in the United Kingdom spiked during the second quarter of 2020, reaching 25.9 percent, nearly three times as high as in the first quarter of the year. This unprecedented increase is due to the coronavirus (COVID-19) outbreak and the resulting widespread lockdown and temporary business closures. a similar increase can be seen during the second generalized lockdown implemented during the first quarter of 2021.

This dataset provides values for INTEREST RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

In 2018, approximately ** percent of people in the United Kingdom (UK) aged between 22 and 29 years were saving adequately, whereas in the age group of 50 to 59 years, this share was much higher, at ** percent. The older people get, the more likely they are to prioritise retirement saving in their personal budget. It is recommended that at least ** percent of the individual income is put aside as retirement savings.

The benchmark interest rate in the United Kingdom was last recorded at 3.75 percent. This dataset provides - United Kingdom Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Example calculation showing annual interest earned from different UK savings account types based on balances and interest rates.

The easy access saver account of the Skipton BS was the easy access savings account with the highest annual equivalent rate as of ********* in the United Kingdom (UK). Tesco Bank and also offered high-interest rates, with its internet saver account having an AER of *** percent, while Ulster Bank's Loyalty Saver account offered an AER of **** percent.

Quarterly growth rates for UK households' saving ratio

Interest rates on all savings accounts are at record lows in the UK, and are failing to entice customers despite improving economic conditions. Read More

Key information about United Kingdom Investment: % of GDP

• United Kingdom Investment accounted for 19.2 % of its Nominal GDP in Sep 2025, compared with a ratio of 18.1 % in the previous quarter.
• UK investment share of Nominal GDP data is updated quarterly, available from Mar 1955 to Sep 2025, with an average ratio of 23.4 %.
• The data reached an all-time high of 26.4 % in Mar 1989 and a record low of 13.5 % in Jun 1955.

CEIC calculates Investment as % of Nominal GDP from quarterly Nominal Gross Capital Formation and quarterly Nominal GDP. Gross Capital Formation is calculated as the sum of Gross Fixed Capital Formation, Changes in Inventories and Acquisition less Disposals of Valuables. Office for National Statistics provides Nominal Gross Capital Formation in local currency and Nominal GDP in local currency.


Related information about United Kingdom Investment: % of GDP

• In the latest reports, UK GDP expanded 1.3 % YoY in Sep 2025.
• UK Nominal GDP reached 1,029.9 USD bn in Sep 2025.
• Its GDP deflator (implicit price deflator) increased 3.7 % in Sep 2025.
• UK GDP Per Capita reached 53,191.3 USD in Dec 2024.
• Its Gross Savings Rate was measured at 16.9 % in Sep 2025.