UK Money App News: July 2026

Four things worth knowing if you run your money through an app this fortnight. The regulator has drawn the line on crypto, the top easy-access apps have pushed back up to 5%, and a Bank of England decision on 30 July is about to reshuffle the savings tables again.

The FCA finalises its crypto rulebook

The Financial Conduct Authority has published the final rules for a UK cryptoasset regime, the piece that fills in what protections apply when you buy or hold crypto through an app. Trading platforms, custodians and stablecoin issuers will need FCA authorisation, with applications opening on 30 September 2026 and the mandatory regime taking effect on 25 October 2027. Stablecoins must be fully backed by a single currency, with redemptions completed by the next business day. If you dabble in crypto inside apps like Revolut or Trading 212, this is the framework that decides which firms can operate here and what happens to your money if one fails. It is a slow burn rather than an overnight change, but it is the direction of travel. Source: FCA press release.

Easy-access savings hit 5% at Revolut and LemFi

The top of the easy-access table has climbed back to 5.00% AER. In Moneyfacts’ 23 July figures, Revolut’s Instant Access Savings pays 5.00% AER on balances from £1 to £25,000, though that includes a 2.02 percentage point bonus running only until 4 December 2026, after which it drops to 2.90%. LemFi matches the 5.00% headline, propped up by a six-month bonus that later falls to 3.04%. The lesson for app savers is the usual one: the rate you open on is rarely the rate you keep, so note the date the bonus expires and be ready to move. See our guide to the best savings apps in the UK for how the app rates compare. Source: Moneyfacts weekly savings roundup.

Trading 212 trims its cash ISA to 3.60%

Trading 212’s cash ISA now pays 3.60% AER variable, a rate it sets at the Bank of England base rate minus 0.15 percentage points. Because it tracks the base rate directly rather than leaning on a fixed bonus, there is no expiry date to diarise, but it also means any base-rate cut feeds straight through to your return. It stays instant access with a £1 minimum and interest paid monthly. If you want a rate that will not drift, a fixed-term ISA locks today’s level instead. Our roundup of the best cash ISA apps sets the tracker and fixed options side by side. Source: Trading 212 cash ISA review.

The 30 July rate call looms

The Bank of England held its base rate at 3.75% in June, and the next decision lands on 30 July, alongside a full Monetary Policy Report and press conference. Markets lean towards a cut, and savers are being urged to move before the tables adjust. The practical read for app users: variable and tracker accounts, including the easy-access rates above and Trading 212’s ISA, would fall if the Bank cuts, while a fixed-term account opened now locks the current level for its full term. If you have cash you will not touch for a year or more, this is the window to consider fixing. Source: UK savers told to move fast ahead of expected rate change.