Instant Saver Accounts

Compare instant access saving accounts...

Instant saver accounts are the name some providers use for instant access accounts. Instant saver accounts offer you saving but with access to your savings whenever you need it. Some instant saver accounts can provide competitive interest rates, often boosted by a short term bonus rate.

Use the table below to compare leading instant access savings accounts:

Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
1.30%Instant AccessMore Info >
  • Earn 1.30% AER Gross.
  • No penalties, fees or notice periods
  • Free unlimited payments and withdrawals
  • Deposit from £100
  • Interest paid monthly or annually
  • 7 day support
  • Covered by the French Depositor Compensation Scheme
  • Apply in minutes
  • Must be UK resident and aged 18 or older
1.22%Instant AccessMore Info >
  • Earn 1.22% gross/AER variable
  • No penalties, fees or notice periods
  • Free unlimited payments and withdrawals
  • Deposit from £1
  • Interest paid monthly or annually
  • Open and manage account online
  • Must be UK resident and aged 18 or older
  • Rate includes a 0.97% gross fixed rate bonus for 12 months from account opening. After 12 months the rate will revert to underlying rate, currently 0.25% gross/AER variable
  • Post Office Money Online Saver is provided by Bank of Ireland UK

1.17%

£1More Info >
  • Earn 1.17% AER (variable)
  • Minimum opening balance of £1
  • Interest paid monthly or annually
  • Open an account singly or jointly
  • Unlimited deposits and withdrawals
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Must be UK resident and aged 18 or older
1.00%Easy AccessMore Info >
  • 1.00% AER on balances up to £1 million
  • Save from £1000 - £1million
  • Monthly interest
  • Manage your account online
  • Unlimited withdrawals
  • Must be UK resident and aged 18 or over
  • New customers only

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.

Features of instant saver accounts can include:

  • Competitive interest rates
  • The ability to withdraw cash whenever you want it
  • Interest calculated monthly or annually
  • Internet banking which can make managing your accounts quick and easy

Other types of savings account include fixed rate bonds, which can range from short terms, such as 12-month terms to longer terms like five years.

Use the table below to compare examples of fixed term savings accounts:

Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest RateTermApply
1.30%Instant AccessApply Now >
  • Earn 1.30% AER Gross.
  • No penalties, fees or notice periods
  • Free unlimited payments and withdrawals
  • Deposit from £100
  • Interest paid monthly or annually
  • 7 day support
  • Covered by the French Depositor Compensation Scheme
  • Apply in minutes
  • Must be UK resident and aged 18 or older