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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 0.58%

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)

Aldermore
Double Access Account Aldermore
Min deposit £1000
Term Easy Access
Interest AER Up to 0.6%

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

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.

RCI Bank
Freedom Savings Account RCI Bank
Min deposit £100
Term Instant Access
Interest AER 0.4%

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)

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 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

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

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

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

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

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

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Bank of Scotland Instant Access Savings Accounts

Bank of Scotland provides business and personal banking services for their customers all over the UK. They have a variety of high interest accounts available, including high interest instant access savings accounts.

Bank of Scotland Access Saver Account

The Bank of Scotland’s Access Saver account can provide strong interest and instant access to your savings. The Access Saver account allows you to make a deposit and withdrawal at any time, with no extra costs. This gives you flexibility and complete control over your savings.

The Bank of Scotland has some of the best monthly interest that high street banks have to offer and their Access Saver account provides some of the most competitive interest rates on the market. The account has many features that make it a viable option for students, young professionals, over 50s, those looking towards retirement and retired individuals. Bank of Scotland do not implement an age restriction on their accounts, which makes their Access Saver account suitable as a savings account for over 60s.

Features include:

  • Competitive interest rates
  • Open an account with just £1
  • No maximum balance
  • Unlimited withdrawals
  • Easy saver rates 
  • Manage your accounts instantaneously with online access

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

Quick online application setup from Bank of Scotland

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 savings accounts currently available in the UK fail to provide interest rates to beat or match inflation. As a result, people are losing money in real terms. This is because the savings accounts’ interest rates are determined by the base rate set by the Bank of England. We can 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 

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