Topic
Rates & inflation · News
3.75%: Bank Rate is unchanged after a 6-3 vote in which three members of the Monetary Policy Committee wanted a rise to 4%. The next decision, with a new Monetary Policy Report, is due on 5 November 2026.
Gilts · Explainer
The right comparison is what you keep after tax, and that depends on your tax band and your Personal Savings Allowance. Then weigh deposit protection against government credit, and a fixed term against a market price.
Cash & savings · Explainer
NS&I's prize fund rate is 4.35%, but that is an average and most holders get less. Set against gilts and fixed-rate savings, the comparison turns on your tax band and how much certainty you want.
