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Instant Access Savings Accounts

Compare Latest Offers

Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply

Up to


AER/Gross p.a (variable)

Instant accessMore Info >
Save £50 or more each month and earn up to 1.50% AER/Gross p.a. (variable). . Instant access to your savings. Open the account with just £1. Interest rates - 1.50% AER/Gross p.a. (variable) for balances between £1 – £5,000, 1.00% AER/Gross p.a. (variable) between £5,001 – £10,000, 0.20% AER/Gross p.a. (variable) over £10,000 (based on growing your balance by £50 a month)
1.30%Instant AccessMore Info >
MARKET LEADING. Earn 1.30% gross/AER. Instant Access. No notice periods. Unlimited payments and withdrawals. Pay in from £100. RCI Bank are protected up to a total of €100,000 by the FGDR, the French deposit protection scheme. Manage account online.


Instant AccessMore Info >
Earn 1.22% AER variable interest. Interest can be paid monthly or annually. Open an account singly or jointly. Minimum deposit £1. Unlimited deposits and withdrawals permitted. FSCS Protected
1.15%Easy AccessMore Info >
1.15% gross/AER. Instant Access. Free withdrawals and no notice period. Deposit from £100. Includes a fixed bonus of 0.95% gross fixed for the first 12 months. Quick and easy online application
1.00%Easy AccessMore Info >
1.00% gross/AER on balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest.

Gross is the interest you will receive before tax is deducted.

AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Instant Access Best Buys

NatWest Bank - Savings Builder »

High street NatWest Bank offers a high interest regular savings instant access account:

  • High interest rate of 1.50% AER/Gross pa (variable)
  • Instant access to savings
  • Open with £1
  • Open and manage account in branch, online or by telephone
  • 1.50% Interest rate payable on savings up to £5,000
  • 1.00% for savings between £5,001 and £10,000. 0.2% for savings over £10,000
  • Must pay in a minimum of £50 per month to qualify for interest
  • FSCS Protected

Open account today with NatWest Bank

RCI Bank - Freedom Savings »

Market leading RCI Bank offers a competitive instant access savings account:

  • Highest UK rate on instant access savings 1.30% AER/Gross pa (variable)
  • Interest is paid monthly or annually
  • Withdrawals - Unlimited & no penalties
  • Online account
  • Minimum deposit - £1
  • Maximum deposit - £1 million
  • Protected by the FGDR, the French deposit protection scheme

Quick online application setup from RCI Bank

Ford Money
- Easy Access Account »

Ford Motor Car Company have been managing money in the UK since 1963. See below their latest easy access account which is FSCS protected.

Ford Money offers a great instant access account:

  • Easy Access 1.22% AER/Gross pa (variable)
  • Interest is paid monthly or annually
  • Online Account
  • Withdrawals permitted
  • Minimum deposit - £500
  • Maximum deposit - £2 million
  • FSCS Protected

Quick online application setup from Ford Money

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.

Many savings accounts below-inflation interest rates, which means people's savings are being eroded in real terms. While there are many savings accounts on the market, many do not offer much of a financial advantage as they offer interest that only matches the base rate set by the Bank of England. We 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.