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)
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
*Headline rate includes a guaranteed fixed bonus rate of 3.00% 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 can earn 4.33% AER (variable tracker) boosted rate for 12 months (1.29% AER/1.25% gross boosted rate), then the standard rate of 3.04% AER (variable tracker)
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
£500 bonus to boost your savings if you receive a residential purchase mortgage offer from Leeds Building Society
Why we like it
The Home Deposit Saver lets you earn a competitive rate of interest whilst building up the deposit needed for your first or next home. Open and manage online. FSCS Protected. You can only pay in up to £500 in a single month. Withdrawals are limited to 1 each year. You can deposit up to £30,000 in total. Bonus eligibility criteria apply
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
Vernon Building Society Instant Access Savings Accounts
Vernon Building Society specialises in business and personal banking services. They have a variety of accounts including high interest instant access savings accounts.
Vernon Building Society Instant Access Account
If you require a high interest account with competitive interest as well as instant access to your savings then the Vernon Building Society Instant Access account may be your best option. The Instant Access account from Vernon Building Society has no restrictions on withdrawals and you can make a deposit whenever you like, giving you complete control over your savings.
The Vernon Building Society Instant Access account has competitive interest rates and provides some of the best monthly interest that high street banks have to offer. The account boasts many features that may make it an attractive option for students, young professionals, over 50s, those looking towards retirement and retired individuals. Vernon Building Society have no age restrictions when it comes to their accounts. Therefore, their Instant Access account can be used as a savings accounts for over 60s.
Features include:
Competitive interest rates
Minimum operating and opening balance £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 Vernon Building Society savings account with other instant access high street savings accounts.
Quick online application setup from Vernon 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 no longer match inflation, let alone beat it, which means people are losing money in real terms. There are plenty of savings accounts available in the UK; however, the majority of them fail to give savers any significant financial advantage. This is because 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.
