Premium Bonds Premium Bonds at 3.80%: Does the “Average” Prize Still Beat a Top Savings Account? NS&I's Premium Bonds prize rate is back up to 3.80% for August 2026 — but the top easy-access accounts and cash ISAs on the market still beat it for most savers. Here's the actual comparison.
Emergency Fund Before You Invest a Single Pound: How Much Cash a UK Man Needs in Reserve First Before you fund a Stocks & Shares ISA, work out your real emergency number - how many months of essential costs to hold back, and whether easy-access savings, Premium Bonds, or a Cash ISA is the right place to park it.
