Easy Access
Why we like it: No notice period. Deposit from £100. Interest paid monthly or annually. Apply in minutes.
Why we like it: Open with £1. Unlimited deposits and withdrawals. Open an account singly or jointly. Interest can be paid monthly or annually. Eligible deposits covered by UK FSCS.
Why we like it: Unlimited withdrawals subject to 30 days notice.
Why we like it: Unlimited withdrawals subject to notice. Withdraw cash early if you need to (subject to loss of interest).
Why we like it: Minimum deposit £1. Unlimited deposits. Transfer in ISAs held elsewhere - no limit. Eligible deposits covered by UK FSCS.
Why we like it: Earn 1.00% gross/AER on balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest.
Why we like it: Save from £5,000. 35 days notice for withdrawals. FSCS Protected
Why we like it: Instant ISA Saver is designed for those that want the convenience of a tax-free cash ISA with instant access.
Scottish Widows
More info
Why we like it: Open with £1,000. Monthly and Annual Interest options. Access - Online, Telephone or Post. No notice period or fees on withdrawals.
Why we like it: 5.00% interest for 12 months on balances up to £2,500 for the first year. You must pay in £1,000 or more each month to receive interest (excluding transfers from any Nationwide account held by you or anyone else). 12 month fee-free arranged overdraft available. No monthly fee. Must be aged 18 or older.
Why we like it: 3.0% AER fixed interest on balances up to £2,500. No fees on arranged overdrafts up to £250. UK & Europe Breakdown Cover, Worldwide family travel insurance. Free mobile banking app, text alerts and secure online banking. £13 monthly account fee
Why we like it: Earn 1.50% AER (variable) interest on balances up to a maximum of £20,000. Up to 3% CASHBACK on various household bills. Monthly fee of £5. Must pay in £500 pm.
Easy Access Best Buys
UK Market Leading Savings Accounts
RCI Bank »
Market leading RCI Bank offers a competitive instant access savings account.
- Highest UK rate on instant access savings 1.42% AER/Gross pa (variable)
- Interest is paid monthly or annually
- Withdrawals - Unlimited & no penalties
- Online account
- Minimum deposit - £1
- Maximum deposit - £1 million
- FSCS Protected
Quick online application setup from RCI Bank
Ford Money Easy Access Account »
Ford Motor Car Company have been managing money in the UK since 1963. See below their latest easy access account which is FSCS protected.
Ford Money offers a great instant access account:
- Easy Access 1.29% AER/Gross pa (variable)
- Interest is paid monthly or annually
- Online account
- Withdrawals permitted
- Minimum deposit - £500
- Maximum deposit - £2 million
- FSCS Protected
Quick online application from Ford Money
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.
Easy & Instant Access Accounts
There is not a lot to choose from between instant and easy access accounts. Current instant access market leaders are RCI Bank paying 1.30% AER
What is an Easy Access Savings Account?
An easy access savings account is essentially what it says; a savings account that gives you easy access to your money.
With such an account you can access your savings without giving prior notice, and without forfeiting any interest.
There are some caveat’s however: there may be restrictions on the number of penalty free withdrawals you can make in any specific time period and, although you have easy access to your savings, unlike an instant access savings account there might be a few days’ delay before you have the cash in your hand.
