Best Instant Access Savings Accounts

Company
Interest AER
Minimum Deposit
Term
Apply
ING Direct ING Direct Savings Account 2.90% £1 Instant Access Apply
2.90% AER variable (2.86% gross p.a.) including a fixed bonus of 2.36% gross p.a. for 12 months, after which it will revert to the standard variable rate. Unlimited withdrawals.

Scottish Widows Direct Transfer Account 2.80% £1000 Instant Access Apply
Includes a 0.89% bonus payment for the 1st 12 months. Giving you a return of 2.80% AER. Open from £1,000.

Halifax Online Saver 2.80% £1 instant access Apply
2.80% gross/AER variable. Enter the Halifax Savers Prize Draw for a chance to win £100,000 or one of a thousand smaller prizes.

Nationwide Regular Savings 2.50% £1 Instant Access Apply
Earn tiered rates of up to 2.50% Gross/AER when you save £500 or more. Open with £1. Unlimited withdrawals. Save up to £1,000 each month.

Lloyds International International Bonus Saver Account 1.51% £5000 Instant Access Apply
Earn up to 2.01% including a 12 month bonus of 0.50%. AER without bonus is 1.51%.

Natwest Natwest eSavings 1.00% £1 Instant Access Apply
1.00% variable. Start saving from £1. Easy access with online banking, and on the go with mobile banking on your phone.

RBS RBS Direct Saver 1.00% £1 Instant Access Apply
Earn 1.00-1.50% Includes a bonus of 0.50% Gross for 12 months from account opening. Start saving from £1.

HSBC Online Bonus Saver 0.75% £1 Instant Access Apply
0.75% including a 0.50% bonus on months where you don't make a withdrawal. Rate without bonus is 0.25%.