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This comparison simply includes all savings accounts.

Hampshire Trust Bank
Online Easy Access Account Hampshire Trust Bank
Min deposit £1
Term Instant Access
Interest AER 4.90%

Why we like it: MARKET LEADING INSTANT ACCESS ACCOUNT. 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

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

Wombat Invest
GB Bank Base Rate Tracker Savings Account brought to you by Wombat Invest
Min deposit £500
Term Easy Access
Interest AER 4.91%

Why we like it: Easy access savings account that tracks the Bank of England base rate. Wave goodbye to the constant cycle of account hopping and forget waiting for banks to pass on higher interest rates. Interest rate moves with the Bank of England base rate, guaranteeing a fixed margin of up to 0.5% below, and adjusts the very next day. Easy access to your money with once a month withdrawals, without notice and without fees. Earn daily interest on your money, and experience the power of compounding to make your savings work harder. Maximum deposit £250,000. Wombat has partnered with GB Bank to bring you the Base Rate Tracker. GB Bank is an award-winning, fully authorised and regulated UK bank. FSCS eligible on your deposits. Must be UK resident. Must 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
Internet Saver Plus Yorkshire Building Society
Min deposit £1
Term Instant Access
Interest AER 4.80%

Why we like it: Tiered interest: £1 to £10,000 – 4.80% Gross/AER, £10,001 to £50,000 – 4.80% Gross/AER, £50,001 to £500,000 – 4.80% Gross/AER. 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

Post Office
Online Saver Account Post Office
Min deposit £1
Term Instant Access
Interest AER 4.75%

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

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)

Ford Money
Flexible Saver Account Ford Money
Min deposit £1
Term Instant Access
Interest AER 4.60%

Why we like it: Interest paid monthly or annually. Open in a single or joint name. Unlimited deposits and withdrawals. Covered by the FSCS. Must be UK resident. Must be aged 16 or older

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

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.

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Kent Reliance Instant Access Savings Accounts

Kent Reliance is a bank that specialises in business and personal banking services. They have a variety of high interest accounts available, including high interest instant access savings accounts.

Kent Reliance Easy Access Savings Account

The Kent Reliance Easy Access Savings account gives you the opportunity to put aside savings in an account but also offers you the freedom of instant access. With the Easy Access Savings account from Kent Reliance you can make unlimited withdrawals from your savings and complete a deposit at your convenience.

The Kent Reliance Easy Access Savings gives you competitive interest rates on your savings, and provides some of the best monthly interest that high street banks have to offer. The account has attractive attributes that may make it a good option for students, young professionals, over 50s, those looking towards retirement and retired individuals. Kent Reliance do not impose an upper age limit for opening an account, which makes the Easy Access account suitable as a savings account for over 60s.

Features include:

  • Competitive interest rates
  • Open an account with £1,000
  • Minimum operating balance of £1
  • Maximum balance of £1 million
  • Unlimited withdrawals
  • Easy saver rates
  • Manage your accounts instantaneously with online access

Review our table above to compare the Kent Reliance savings account with other instant access high street savings accounts.

Quick online application setup from Kent Reliance

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 currently on offer through high street banks fail to match inflation, let alone beat it. As a result, people are losing money in real terms. The reason for interest rates staying below inflation is that savings accounts’ interest rates are dependent 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.

See here for a comparison of leading UK instant access accounts 

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