*Headline rate includes a guaranteed fixed bonus rate of 3.01% for the first 12 months (on balances up to £1 million), plus the standard variable rate which is currently 1.05%. 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
Unlimited deposits and withdrawals. Open in sole or joint name. FSCS Protected. After 12 months, cahoot will transfer your account to an cahoot Savings Account. Before the term ends, cahoot will contact you with your new interest rate
Withdraw on any 4 days a year. Unlimited deposits. Open in sole or joint name. FSCS Protected
After 12 months, the account will be transferred to an online easy access savings account
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 FSCS
Choose monthly or annual interest payments. Unlimited deposits and withdrawals. 24/7 access to your savings. Open and manage online. After 12 months the rate will revert to the underlying rate, currently 1% gross/AER variable. Post Office Online Saver is provided by Bank of Ireland UK. Must be UK resident. Must be aged 18 or older. FSCS protected
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)
Save from £1. Unlimited payments and withdrawals. Interest paid annually. Open in a single or a joint name. Maximum deposit £500,000. Open and manage account online. FSCS Protected. Must be UK resident. Must be aged 16 or older
Interest rate tracks the Bank of England (BoE) Base Rate
Why we like it
Unlimited deposits and withdrawals.Open and manage online or in app. Open in single or joint name (online only). FSCS Protected. £500,000 maximum deposit across all OakNorth accounts (£1,000,000 for joint accounts)
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
Details
Interest Paid
Annually
Maximum Balance
£250,000
Minimum Age
18
UK Resident
Yes
Christmas Regular eSaver
Interest AER5.00%
Min deposit£1
TermInstant Access
Christmas Regular eSaverYorkshire Building Society
Save up to £150 per month until October 2026. From November 1st 2026 your account will be transferred to an online easy access savings account. Open in a single or a joint name. Open and manage account online. FSCS Protected
Unlimited deposits and withdrawals. Maximum of 1 sole account and 1 joint account per person. Open and manage your account online. FSCS Protected. After 12 months, cahoot will transfer your account to an cahoot Savings Account. Before the term ends, cahoot will contact you with your new interest rate to an Everyday Saver. Before the term ends, Santander will contact you with your new interest rate
Halifax provides both business and personal banking services. They have a range of accounts available with flexible access to your money, including high interest instant access savings accounts.
Halifax Everyday Saver Account
If you are looking for an instant access savings account you may want to consider the Halifax Everyday Saver account. Halifax Everyday Saver allows you to deposit and withdraw savings at any point, giving you complete control and instant access to your savings.
Halifax Everyday Saver account is a high interest account and provides competitive interest rates, along with some of the best monthly interest offered by high street banks. Its multitude of features make the Everyday Saver account suitable for those aged 11-16, students, young professionals, over 50s, those looking towards retirement and retired individuals.
Features include:
Competitive interest rates
Open an account with just £1
Maximum balance of £1 million
Unlimited withdrawals
Easy saver rates
Manage your accounts instantaneously with online access
In addition, if you open an Everyday Saver account then you are entered into the Halifax Savers prize draw. All you have to do is register your account and you are placed in a monthly draw, where you could win up to £10,000.
There is no age restriction to open a Halifax Everyday Saver account, which makes it a perfect savings account for over 60s.
Review our table above to compare the Halifax savings account with other instant access high street savings accounts.
Quick online application setup from Halifax
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.
Savings accounts are failing to provide interest rates to match or counter the effect of inflation on peoples’ savings. As a result, people are losing money in real terms. There are plenty of savings accounts available to the general public, none of which offer any real financial advantage. This is because the Bank of England’s base rate is the basis of the majority of savings accounts in the UK.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.
