A record 81% of people felt confident about their job security in August, the Lloyds Bank Spending Power Report has found.
Currently 42% are positive about the country’s financial system, up from 38% in July but down from 46% in August 2015.
However fewer consumers planned to spend, as the proportion planning to save some or all of their disposable income rose from 72% in July to 76% in August.
Robin Bulloch, managing director of Lloyds Bank, said: “The prospect of leaving the EU continues to dominate political discussions and much of the media – with little certainty over what this will mean in practical terms for households and consumers.
“In the meantime, whatever the opportunities and risks of the referendum result, it is encouraging to see such confidence in the jobs market in particular.
“The overarching message from UK consumers is one of cautious optimism, which explains an increasingly careful and judicious approach to future spending plans.”