Santander Instant Access Savings Accounts

With Santander instant access savings accounts, you can open an account and begin saving whether you have £1 or £2 million. The benefit of opening up an instant access savings account with Santander or any of the other big banks or building societies is that you do not have to choose between a competitive rate of interest and the ability to access your funds whenever you need to.


Below we have compiled an easy to use comparison table containing some of the best instant access savings accounts available at the moment, and all you have to do is click on the links and apply today.

Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
1.00%Instant AccessMore Info >
  • Earn 1.00% 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
5.00%Current Account
Instant Access
More Info >
5.00%Current Account
Instant Access
More Info >
1.50%Current Account
Instant Access
More Info >

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.

Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest RateTermApply
1.00%Instant AccessApply Now >
  • Earn 1.00% 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

If you are looking at Santander instant access savings accounts, use our product comparison tables first to make sure you are getting the best deal for you.


There is a number of key things to look out for when choosing an instant access savings account from Santander, or another provider.


The first question to ask is whether or not you are happy with the variable interest rate which comes with most instant access accounts, as this could make a difference to the amount of interest you are paid on your savings. A variable interest rate can move up and down, either in line with the Bank of England base rate or with the bank's views in the underlying state of the economy, during the time you are an account holder. Some providers offer a fixed rate bonus on top of this rate, which can considerably improve the rate you get, but you have to remember to switch when this bonus period ends, usually after 12 months.

Compare features of Santander instant access savings accounts with our selection of the other top deals available and apply online.