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This comparison simply includes all savings accounts.

RCI Bank
Freedom Savings Account RCI Bank
Min deposit £100
Term Instant Access
Interest AER 0.57%

Why we like it: Which? Recommended Savings Provider. No notice period. Deposit from £100. Interest paid monthly or annually. Apply in minutes. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services. Compensation Scheme (FSCS)

Aldermore
Easy Access Account Aldermore
Min deposit £1000
Term Easy Access
Interest AER 0.5%

Why we like it: Balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest. Eligible deposits covered by UK FSCS.

Aldermore
Notice Cash ISA Aldermore
Min deposit £1000
Term 30 Day Notice
Interest AER 0.55%

Why we like it: Unlimited withdrawals subject to 30 days notice.

Aldermore
30 Day Notice Account Aldermore
Min deposit £1000
Term 30 Day Notice
Interest AER 0.55%

Why we like it: Unlimited withdrawals subject to 30 days notice.

RCI Bank
95 Day Notice Account RCI Bank
Min deposit £1000
Term 95 Day Notice
Interest AER 0.65%

Why we like it: Unlimited withdrawals subject to 95 days notice.

Aldermore
120 Day Notice Account Aldermore
Min deposit £1000
Term 120 Day Notice
Interest AER 1.10%

Why we like it: Unlimited withdrawals subject to 120 days notice.

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 1 Year
Interest AER 1.00%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 2 Years
Interest AER 1.30%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 3 Years
Interest AER 1.35%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

RCI Bank
Fixed Rate Bond RCI Bank
Min deposit £1000
Term 5 Years
Interest AER 1.05%

Why we like it: Which? Recommended Savings Provider. Save from £1,000 to £1,000,000. No withdrawals before the end of the term. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

RCI Bank
Fixed Rate Bond RCI Bank
Min deposit £1000
Term 4 Years
Interest AER 1.00%

Why we like it: Which? Recommended Savings Provider. Save from £1,000 to £1,000,000. No withdrawals before the end of the term. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)

Santander
123 Current Account Santander
Open With £500
Account Type Current Account
Interest AER 0.6%

Why we like it: Earn 0.60% AER (variable) interest on balances up to a maximum of £20,000. Up to 3% CASHBACK on various household bills. Monthly fee of £5. Cashback capped at £5 for each cashback tier each month. Must pay in £500 pm.

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Instant Access Best Buys

RCI Bank »

RCI Bank offers a competitive instant access savings account.

  • 0.57% AER/Gross pa (variable) interest rate
  • Interest is paid monthly or annually
  • Withdrawals - Unlimited & no penalties
  • Online account
  • Minimum deposit - £100
  • FSCS Protected

Quick online application setup from RCI Bank

 


Fixed Rate Best Buys

Aldermore Bank 1 Year Fixed Rate Bond »

  • Fixed 1 Year 1.26% at time of writing
  • Interest paid monthly or annually
  • Open online
  • Open singly or jointly
  • Minimum deposit - £1,000
  • FSCS Protected up to £85,000

Quick online application from Aldermore Bank

Aldermore Bank 2 Year Fixed Rate Bond »

  • Fixed 2 Year 1.36% at time of writing
  • Interest paid monthly or annually
  • Open online
  • Open singly or jointly
  • Minimum deposit - £1,000
  • FSCS Protected up to £85,000

Quick online application from Aldermore Bank

Aldermore Bank 3 Year Fixed Rate Bond »

  • Fixed 3 Year 1.40% at time of writing
  • Interest paid monthly or annually
  • Open online
  • Open singly or jointly
  • Minimum deposit - £1,000
  • FSCS Protected up to £85,000

Quick online application from Aldermore Bank

With so many different easy access savings accounts to choose from, it pays to shop around. We offer a selection of leading UK instant access accounts.

With UK savings rates at an all time low you need to take action to ensure your savings are getting the best interest deal possible.

Many savings accounts below-inflation interest rates, which means people's savings are being eroded in real terms. While there are many savings accounts on the market, many do not offer much of a financial advantage as they offer interest that only matches the base rate set by the Bank of England. We help you compare a selection of some of the best interest paying accounts. 

For savers looking to access their money regularly, a good instant access savings account will offer flexible withdrawal facilities while combining these with a good rate of interest.

See here for a comparison of leading UK instant access accounts 

If you are happy to lock your money away for a fixed term, fixed rate bonds or notice accounts offer better long-term rates of interest; such accounts generally do not allow savers to take money out until the bond has matured or provide restrictions on withdrawals and may apply penalties. The ability to access funds at short notice can be very helpful.

Surprisingly some of the best paying interest accounts available are current accounts. While many current accounts pay no interest at all, some pay up to 5% interest. Switching to a new current account is much quicker than it used to be. In September 2013 "7 Day Switching" was introduced - as long as your existing bank is signed up moving account should be painless. For latest current account deals use the dropdown menu and select high interest current accounts.

In the last few years we have seen the emergence of Peer to Peer accounts providing a way for savers to earn high levels of interest as high as 7%. Often referred to as crowd funding peer to peer websites bring together borrowers looking to get low rates on loans with savers looking to get a higher return on their savings. Peer to peer is regulated by the Financial Conduct Authority. For latest peer to peer deals use the dropdown menu and select peer to peer.  

Latest news

Pensioner Bond Maturity - 5 Ideas For Your Cash

From January 2018 over 900,000 people who invested in pensioner bonds will start to see their bonds mature. Savers who have been enjoying 4% pa are going to get a shock when they look for comparable returns from cash in the current market. We have put together 5 ideas for your cash in 2018

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About us

Simplysavingsaccounts.co.uk is a trading style of Fair Investment Company Ltd.

We've been comparing savings and current accounts for many years so you can trust you're in good hands.