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
1.25%Instant accessMore Info >
  • A simple instant access savings account
  • 1.25% AER/Gross p.a. (variable)
  • Start saving online from £1
  • Manage your account online, by telephone banking or via our mobile app
  • UK Based bank with FSCS protection on deposits up to £85,000
  • You'll need to be 18 or over and a UK resident
  • Daily withdrawal limits apply

1.20%Instant AccessMore Info >
  • Earn 1.20% 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
0.75%Easy AccessMore Info >
  • 0.75% AER on balances up to £1 million
  • Reassurance – the variable interest rate is guaranteed to be at least 0.50% above Base Rate until 31 December 2017 
  • Save from £1000 - £1million
  • Monthly interest
  • Manage your account online
  • Unlimited withdrawals
  • Must be UK resident and aged 18 or over
  • New customers only
0.50%Current Account
Instant Access
More Info >
Up to 0.50%Instant AccessMore Info >
  • Earn 0.50% AER (variable) on balances above £100,000, 0.25% AER (variable) on balances between £50,000 and £99,999, 0.05% AER (variable) on balances between £25,000 and £49,999, and 0.01% (variable) AER on balanced between £1 and £24,999
  • Open from £1
  • Transfers allowed in – bring all your cash ISAs together in one place
  • Instant access – manage your account by phone, in-branch and online
  • Must be 16 or over
  • Must be a UK resident

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
1.20%Instant AccessApply Now >
  • Earn 1.20% 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