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
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)
*Headline rate includes a guaranteed fixed bonus rate of 2.95% 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
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
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 1.25% 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
New customers use promo code INSTANT12 and deposit at least £1 within 14 days to receive a 1.10% AER boost to standard 3.50% AER rate for 12 months
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
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
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
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
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)
Hinckley and Rugby Building Society Instant Access Savings Accounts
Hinckley and Rugby Building Society is a building society that offers business and personal banking services to all its members. They have a number of high interest accounts that can meet your requirements, including high interest instant access savings accounts.
Hinckley and Rugby Building Society Plain Sailing Easy Access Account
If you need an account with comparatively strong interest and instant access to your savings, then you may want to consider the Hinckley and Rugby Building Society Plain Sailing Easy Access account. The account has no restrictions on how many withdrawals you can make and you can complete a deposit at any time. The account allows you to remain flexible and gives you complete control over your savings.
The Hinckley and Rugby Building Society Plain Sailing Easy Access account has competitive interest rates and provides some of the best monthly interest that high street banks have to offer. The account has many attractive features that make it suitable for students, young professionals, over 50s, those looking towards retirement and retired individuals. Hinckley and Rugby Building Society do not exclude any age groups from their banking services and as such their Plain Sailing Easy Access account may be a suitable savings account for over 60s.
Features include:
Competitive interest rates
Open an account with just £25
Maximum balance of £300,000
Unlimited withdrawals
Easy saver rates
Manage your accounts instantaneously with online access
Review our table above to compare the Hinckley and Rugby Building Society savings account with other instant access high street savings accounts.
Quick online application setup from Hinckley and Rugby Building Society
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 available through savings accounts in the UK do not match inflation. This means that people are losing money in real terms. There are many savings accounts on the market; however, none of them provide any real financial advantage for the saver. This is because the majority of savings accounts’ interest rates are based on the Bank of England’s base rate. 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.
