Beste høyrentesparekontoer 2026

With interest rates remaining elevated in 2026, high-yield savings accounts are paying out more than they have in over a decade. Here are the best options.

Top High-Yield Savings Accounts

SoFi — 4.00% APY

SoFi offers one of the highest rates among US neobanks with no minimum balance and no fees. The catch? You need to set up direct deposit to get the full 4.00% rate.

Monzo Pots — Up to 4.75%

UK users can earn up to 4.75% on Monzo savings Pots through their partner banks. Easy to set up and manage directly in the Monzo app.

Ally Bank — 3.80% APY

Ally has been a high-yield savings leader for years. Their rate is slightly lower than SoFi's, but their platform is more established and feature-rich.

Marcus by Goldman Sachs — 3.90% APY

Goldman Sachs' consumer brand offers a competitive rate with the backing of one of the world's most prestigious financial institutions.

How to Maximize Your Savings

1. **Set up automatic transfers** — Pay yourself first by automating monthly savings contributions.

2. **Use multiple accounts** — Different accounts for different goals (emergency fund, vacation, house deposit).

3. **Compare rates quarterly** — Rates change. Don't be loyal to a rate that's no longer competitive.

4. **Consider lock-in products** — Fixed-term deposits often pay higher rates if you don't need instant access.

The Verdict

There's no excuse for leaving your savings in a 0.01% account when 4%+ options are freely available. SoFi leads in the US, Monzo in the UK. Switch today — your future self will thank you.