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This comparison simply includes all savings accounts.

Investec Savings
Online Flexi Saver Investec Savings
Min deposit £5000
Term Instant Access
Interest AER 0.71%

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)

Leeds Building Society
Online Easy Access Account Leeds Building Society
Min deposit £1000
Term Instant Access
Interest AER 0.6%

Why we like it: Interest paid annually. Unlimited deposits and withdrawals. Open and manage online. FSCS Protected. Must be UK resident and be aged 18 or older

Brown Shipley
Easy Access Account Brown Shipley
Min deposit £1000
Term Instant Access
Interest AER 0.61%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a £50 cash bonus (terms apply). Unlimited deposits and withdrawals. Interest paid monthly. Maximum deposit £85,000. FSCS Protected. Must be UK resident and be aged 18 or older

RCI Bank
Freedom Savings Account RCI Bank
Min deposit £100
Term Instant Access
Interest AER 0.55%

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)

RCI Bank
E-Volve 14 Day Notice Account RCI Bank
Min deposit £1000
Term 14 Day Notice
Interest AER 0.55%

Why we like it: 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)

Hampshire Trust Bank
Online Easy Access Account Hampshire Trust Bank
Min deposit £1
Term Instant Access
Interest AER 0.5%

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

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

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.

Hampshire Trust Bank
120 Day Notice Account Hampshire Trust Bank
Min deposit £1
Term 120 Day Notice
Interest AER 0.9%

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

Hampshire Trust Bank
95 Day Notice Account Hampshire Trust Bank
Min deposit £1
Term 95 Day Notice
Interest AER 0.85%

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

RCI Bank
95 Day Notice Account RCI Bank
Min deposit £1000
Term 95 Day Notice
Interest AER 0.82%

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

Investec Savings
32 Day Notice Account Investec Savings
Min deposit £1000
Term 32 Day Notice
Interest AER 0.8%

Why we like it: Register for a free Raisin UK Account to apply for product and receive a £50 cash bonus (terms apply). Interest paid monthly. Maximum deposit £85,000. FSCS Protected. Withdrawals subject to 32 days notice. Must be UK resident and aged 18 or older

Aldermore
120 Day Notice Account Aldermore
Min deposit £1000
Term 120 Day Notice
Interest AER 0.7%

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

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Bank of China Instant Access Savings Accounts

Bank of China offers both business and personal banking services to residents of the UK. They have a variety of accounts including high interest instant access savings accounts.

Bank of China Foreign Currency Savings Account

The Bank of China Foreign Currency Savings account is one of their high interest accounts for customers worldwide and enables instant access to your savings. The Foreign Currency Savings account has no restrictions on how often you withdraw from your savings and allows you to make a deposit at any point. The account allows you to stay flexible and gives you complete control of your savings.

The Bank of China boasts competitive interest rates and has some of the best monthly interest that high street banks have to offer. The features of their Foreign Currency Savings account make it an ideal option for students, young professionals, over 50s, those looking towards retirement and retired individuals. There is no age restriction to open a Bank of China Foreign Currency Savings account, which makes it a perfect savings account for over 60s.

Features include:

  • Competitive interest rates
  • Open an account with just £100
  • No maximum operating balance
  • Available in sterling, euro and US dollar
  • Unlimited withdrawals
  • Easy saver rates 
  • Manage your accounts instantaneously with online access

Review our table above to compare the Bank of China savings account with other instant access high street savings accounts.

Quick online application setup from Bank of China 

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.

The interest rates offered by the current crop of savings accounts are not high enough to even match inflation, which means people are losing money in real terms. Although there are many savings accounts available, none of them provide savers with any financial advantage. This is because the interest rates that savings accounts provide are heavily influenced by the base rate set by the Bank of England.  

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 Foreign Currency Savings accounts 

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