Effective interest rates - August 2026

This statistical release contains average interest rates across deposit or loan accounts with UK banks and building societies, calculated using data on rates and balances. Published on 29 September 2026

Key points

Commentary on this data is now incorporated into the Money and Credit statistical release to facilitate analysis.

Per cent
Not seasonally adjusted

Outstanding

New business

Sight deposits

Time deposits

Other loans

Secured loans

Time deposits

Other loans

Secured loans

Z6IQ

Z6IW

Z6KO

Z6K6

Z6IH

Z6K5

Z6JM

2026 May 1.65 3.31 8.99 3.92 4.26 9.66 4.22 Jun 1.65 3.36 9.03 3.96 4.30 9.67 4.35 Jul 1.65 3.39 9.07 3.97 4.21 9.86 4.45 Aug 1.65 3.41 9.07 4.00 4.24 9.96 4.60

Per cent
Not seasonally adjusted

Outstanding

New business

Sight deposits

Time deposits

Loans

Time deposits

Loans

HSCT

HSCU

HSDC

BJ72

BJ82

2026 May 1.92 3.32 5.76 3.43 5.35 Jun 1.97 3.35 5.79 3.47 5.42 Jul 1.97 3.37 5.82 3.46 5.62 Aug 1.97 3.39 5.84 3.47 5.57

Per cent
Not seasonally adjusted

Per cent
Not seasonally adjusted

More information

• Effective interest rates - Tables A and B - August 2026 (XLS 0.1MB)
• Effective interest rates
• Further details about effective interest rates data

Next release date: 29 October 2026

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