Sign up to Chip and enter the rate boost promo code EASY12 within 14 calendar days of downloading the app, deposit at least £1 within 14 calendar days of entering the promo code and you will get a boosted rate of 1.47% AER on top of your Chip Easy Access Saver Account for 365 calendar days
Why we like it
3 penalty-free withdrawals in a 12 month period. Deposit and withdraw almost instantly. No fees or charges for holding account. 1.20% AER (2.67% AER boosted rate) variable if 4 or more withdrawals are made within 12 months
Unlimited deposits and withdrawals. Interest paid monthly: can be added to your Notice Saver or paid to your linked account. Easy application process, you just need a UK mobile phone and UK driving licence or passport. Manage account online. Maximum balance £250,000. Withdrawals subject to 90 days notice. Must be aged 18 or older and have a UK address. Must have a linked UK current account
Sign up to Chip and enter the rate boost promo code SAVINGS within 14 calendar days of downloading the app, deposit at least £1 within 14 calendar days of entering the promo code and you will get a boosted rate of 1.36% AER on top of your Chip Instant Access Account for 365 calendar days
Why we like it
A new savings account from Chip built to move with the Bank of England and reward you faster than the banks. Interest paid monthly. Deposit and withdraw almost instantly. No fees or charges for holding account. FSCS eligible on your deposits
The interest rate tracks the Bank of England (BoE) Base Rate. Interest is calculated on the minimum daily balance and applied to the account on the first day of every subsequent month. Open and manage account online. Your eligible deposits are protected up to £85,000 by the Financial Services Compensation Scheme. The maximum deposit you may pay into any one OakNorth Account is £500,000. The maximum amount (excluding the interest) that you will be allowed to hold on deposit with OakNorth Bank across multiple accounts is also £500,000. Unlimited withdrawals, subject to 95 days notice. Available to individuals, aged 18 or over, who are UK residents
Withdrawals subject to 45 days notice. Get this rate with Emma Plus, Pro, and Ultimate plans (£4.99, £9.99, or £14.99 per month or £41.99, £83.99 or £124.99 per year). The free plan rate is 3.30%
Why we like it
Start saving with Emma Pots: Earn up to 4.45% AER when opening a 45 Day Notice Pot (FSCS protected). Accessed when you open the Emma App: All in One Money Management App for Banking, Budgeting, Saving, Borrowing, Investing and more
Interest calculated monthly. Unlimited deposits and withdrawals. Open and manage online. FSCS Protected. Must retain a minimum balance of £20,000 in the account. Must be UK resident and be aged 18 or older
All funds deposited into the RCI Bank E-Volve Savings 14 Day Notice Account will be used to fund pure electric vehicles and charging facilities. Interest paid monthly or annually. Manage account online. UK-based support, seven days a week. Which? Recommended Savings Provider. Unlimited withdrawals subject to 14 days notice. Must be UK resident. Must be aged 18 or older. Your eligible deposits with RCI Bank UK Limited are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS)
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)
Winner of Platinum Feefo Trusted Service Award in 2024
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 2024. Must be UK resident and be aged 18 or older
*Headline rate includes a guaranteed fixed bonus rate of 2.96% for the first 12 months (on balances up to £1 million), plus the standard variable rate which is currently 1.15%. After 12 months, you’ll continue to receive the standard variable rate (all rates are Gross/ AER. Annual interest payments. Unlimited deposits and withdrawals (daily limits apply). 24/7 access to your savings through the mobile app. Your eligible deposits held by a UK establishment of Barclays Bank UK PLC are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Barclays, Barclays Business Banking, Barclays Premier Banking, Barclays Wealth Management and Tesco Bank. Any total deposits you hold above the limit between these brands are unlikely to be covered
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.
