Easy Access
Why we like it: Instant access to your savings. Unlimited deposits and withdrawals. Interest paid monthly, either to a linked current account, or adding it to your Online Flexi Saver account. Easy application process, you just need a UK mobile phone and UK driving licence or passport. Manage account online. Maximum balance £250,000. Must be aged 18 or older and have a UK address. Must have a linked UK current account. Your eligible deposits with Investec Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)
Why we like it: 0.60% AER if customer makes two or fewer withdrawals within an anniversary year. Monthly or annual interest. Manage your account online. Covered by the FSCS. If a customer makes three or more withdrawals in an anniversary year the rate reduces to 0.10% from the date of the third withdrawal. Must be UK resident and be aged 18 or older
Why we like it: Unlimited payments and withdrawals. Interest paid annually. Open in a single or a joint name. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older
Why we like it: Market Leading. Balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest. Eligible deposits covered by UK FSCS.
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)
Why we like it: Interest paid annually. Open in a single or a joint name. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older. Unlimited withdrawals subject to 120 days notice
Why we like it: Interest paid annually. Open in a single or a joint name. Maximum deposit £250,000. FSCS Protected. Winner of Platinum Feefo Trusted Service Award in 2021. Must be UK resident and be aged 18 or older. Unlimited withdrawals subject to 95 days notice
Why we like it: Unlimited withdrawals subject to 95 days notice.
Why we like it: Register for a free Raisin UK Account to apply for product and receive a cash bonus. Interest paid monthly. Maximum deposit £85,000. FSCS Protected. Withdrawals subject to 32 days notice. Must be UK resident and aged 18 or older
Why we like it: Monthly interest. Manage your account online. Unlimited deposits. Covered by the FSCS. Must be UK resident. Must be aged 18 or older. Unlimited withdrawals subject to 120 days notice. Maximum deposit £1,000,000
Why we like it: Unlimited deposits and withdrawals. ISA transfers in allowed. FSCS Protected. Must be UK resident and aged 16 or older. Withdrawals subject to 30 days notice
Why we like it: Monthly interest. Manage your account online. Unlimited deposits. Covered by the FSCS. Must be UK resident. Must be aged 18 or older. Unlimited withdrawals subject to 30 days notice. Maximum deposit £1,000,000
Easy Access Best Buy
Investec Bank »
Investec Bank offer a competitive instant access account.
- 0.58% AER/Gross pa (variable) interest rate
- Interest is paid monthly either to linked bank account, or added back in
- Unlimited payments and withdrawals
- Online account
- Minimum deposit - £5,000
- FSCS Protected
Quick online application setup from Investec
Aldermore Bank »
Aldermore Bank offer a great easy access rate if withdrawing less than 3 times a year.
- 0.60% AER/Gross pa (variable) interest rate if customer makes two or fewer withdrawals within an anniversary year
- Interest is paid monthly or annually
- If a customer makes three or more withdrawals in an anniversary year the rate reduces to 0.10% from the date of the third withdrawal
- Online account
- Minimum deposit - £1,000
- FSCS Protected
Quick online application setup from Aldermore
Hampshire Trust Bank »
Hampshire Trust Bank also offer a competitive instant access account.
- 0.50% AER/Gross pa (variable) interest rate
- Interest is paid annually
- Unlimited payments and withdrawals
- Online account
- Minimum deposit - £1
- Open in single or joint name
- FSCS Protected
Quick online application setup from Hampshire Trust Bank
RCI Bank »
RCI Bank also offer an instant access account.
- 0.40% AER/Gross pa (variable) interest rate
- Interest is paid monthly or annually
- Unlimited payments and withdrawals
- Online account
- Minimum deposit - £100
- Which? Recommended Savings Provider
- FSCS Protected
Quick online application setup from RCI Bank
Current Accounts
NatWest Select Current Account »
SPECIAL OFFER - £100 to switch and another £50 if you stay
A 5* Defaqto rated everyday bank account which has no minimum monthly deposit and no fee.
- No minimum monthly funding
- No monthly fee
- Great money management tools with our mobile banking app. ‘Criteria Apply’
- Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit Card. Limits apply
- Arranged overdraft available (subject to eligibility)
- FSCS Protected
For more information and to apply for NatWest Select Current Account
NatWest Reward Current Account »
SPECIAL OFFER - £100 to switch and another £50 if you stay
A reward current account, earn up to £4 a month.
- Earn £4 a month back in Rewards by making a minimum of 2 direct debit payments of at least £2 each, or earn £1 a month in rewards with 1 mobile app login
- Earn Rewards that you can redeem as cash back, gift cards or e-codes with our retail partners
- Great money management tools with our mobile banking app. ‘Criteria Apply’
- Arranged overdraft available (subject to eligibility)
- Multiple ways to pay: Apple Pay, Google Pay™ and Contactless Visa Debit
- FSCS Protected
For more information and to apply for NatWest Reward Current Account
Santander Everyday Current Account »
SPECIAL OFFER - £130 Cashback when you switch
An everyday bank account which has no monthly fee, no minimum funding per months and offers up to 15% cashback at chosen retailers.
- No minimum monthly funding
- No monthly fee
- Earn up to 15% cashback with Retailer Offers
- Online and Mobile Banking with text and email alerts
- FSCS Protected
For more information and to apply for Santander Everyday Current Account
First Direct 1st Account »
Get £100 for switching, and ten earn 1.00% AER/gross on linked regular savings account.
- £100 when switching to First Direct as a new customer
- No minimum monthly funding
- 1.00% AER/gross for 12 months, available to First Direct 1st Account customers who open a new Regular Saver account, saving between £25 and £300 per month
- No monthly fee
- £250 interest free overdraft (subject to status)
- Money Banking app
- UK based contact centre
- FSCS Protected
For more information and to apply for First Direct 1st Account
HSBC Advance Current Account »
Get £110 + £30 Uber Eats Voucher for switching, and then earn 1.00% AER/gross on a regular savings account.
- £110 + £30 Uber Eats Voucher when switching to an HSBC Advance Account as a new customer
- 1.00% AER/gross available to HSBC Advance customers who open a new Regular Saver account, saving between £25 and £250 per month
- No monthly fee
- Arranged overdraft limit of at least £1,000 on account opening
- Money Banking app
- FSCS Protected
For more information and to apply for HSBC Advance Current Account
Santander 123 Account »
SPECIAL OFFER - £130 Cashback when you switch
Whilst general interest rates are low some banks and building societies are offering high interest current accounts as an alternative. Santander's 123 Current Account offers a rate of 0.30% AER for savings.
- Fixed interest on balances up to £20,000 - 0.30% AER
- £4 monthly fee
- Up to 3% cashback on household bills
- Must pay in £500 per month
- FSCS Protected
For more information and to apply for Santander 123 Account
First Direct 1st Account »
Earn 1.00% AER/gross on linked regular savings account.
- No minimum monthly funding
- 1.00% AER/gross for 12 months, available to First Direct 1st Account customers who open a new Regular Saver account, saving between £25 and £300 per month
- No monthly fee
- £250 interest free overdraft (subject to status)
- Money Banking app
- UK based contact centre
- FSCS Protected
For more information and to apply for First Direct 1st Account
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.
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.
