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This comparison simply includes all savings accounts.

Leeds Building Society
Limited Issue Online Access Account Leeds Building Society
Min deposit £1000
Term Instant Access
Interest AER 4.85%

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

Chip
Instant Access Account Chip
Min deposit £1
Term Instant Access
Interest AER 4.84%

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. Must be UK resident. Must be aged 18 or older.

Yorkshire Building Society
Easy Access Saver Yorkshire Building Society
Min deposit £1
Term Instant Access
Interest AER 4.80%

Why we like it: 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

RCI Bank
Freedom Savings Account RCI Bank
Min deposit £100
Term Instant Access
Interest AER 4.75%

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)

Investec Savings
Online Flexi Saver Investec Savings
Min deposit £5000
Term Instant Access
Interest AER 4.70%

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)

Post Office
Online Saver Account Post Office
Min deposit £1
Term Instant Access
Interest AER 4.60%

Why we like it: 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 1.55% 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

Aldermore
Easy Access Account Aldermore
Min deposit £100
Term Instant Access
Interest AER 4.50%

Why we like it: Balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest. Eligible deposits covered by UK FSCS.

Investec Savings
90 Day Notice Account Investec Savings
Min deposit £5000
Term 90 Day Notice
Interest AER 5.25%

Why we like it: 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

OakNorth
Base Rate Tracker 95 Day Notice Account OakNorth
Min deposit £1
Term 95 Day Notice
Interest AER 5.20%

Why we like it: 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

RCI Bank
95 Day Notice Account RCI Bank
Min deposit £1000
Term 95 Day Notice
Interest AER 4.95%

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

RCI Bank
E-Volve 14 Day Notice Account RCI Bank
Min deposit £1000
Term 14 Day Notice
Interest AER 4.80%

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)

Aldermore
120 Day Notice Account Aldermore
Min deposit £1000
Term 120 Day Notice
Interest AER 4.80%

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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Ipswich Building Society Instant Access Savings Accounts

Ipswich Building Society offers business and personal banking services. They have a selection of accounts including high interest instant access savings accounts.

Ipswich Building Society Everyday Saver Account

The Ipswich Building Society Everyday Saver is an account that has the convenience of instant access to your savings, as well as comparatively strong interest rates. This high interest account allows you to make a deposit whenever you like and withdraw as much as you need from your savings without any additional charges. The account enables you to stay flexible with your finances and gives you complete control over your savings.

The Ipswich Building Society Everyday Saver account’s interest rates are some of the best that high street banks have to offer.  The Everyday Saver account has  features that make it ideal for students, young professionals, over 50s, those looking towards retirement and retired individuals ; there is no upper age restriction on this account so it could be a viable option to use as a savings account for over 60s. 

Features include:

  • Competitive interest rates
  • Open an account with just £10
  • Maximum balance of £250,000
  • Unlimited withdrawals
  • Easy saver rates
  • Manage your accounts instantaneously with online access

Review our table above to compare the Ipswich Building Society savings account with other instant access high street savings accounts.

Quick online application setup from Ipswich 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.

Savings accounts’ interest rates do not provide enough interest to combat inflation or even match it. This means that peoples’ money is eroding in real terms. Despite the vast number of savings accounts in the UK, there are no savings accounts that provide the saver with any real financial advantage. This is because the interest rates that savings accounts offer are heavily determined 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.

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