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
3.17%Easy AccessApply Now >
  • Rate includes 1.62% gross p.a. fixed bonus for the first 12 months
  • 3.17% rate is available when you save £25,000 or more 
  • Easy access, with 1 free withdrawal per year
  • £1,000 minimum deposit
  • Unlimited further withdrawals, including closure, can be made but a lower rate of interest and loss of bonus will apply in the month of the withdrawal.
3.10%Instant AccessApply Now >
  • 3.10% AER variable (3.06% gross p.a.)
  • Includes a fixed bonus of 2.56% gross p.a. for 12 months
  • Rate available on balances up to £250,000
  • Unlimited withdrawals without penalties
  • Interest is paid monthly
3.06%Easy AccessApply Now >
  • Minimum opening balance of £1,000
  • Manage your account online
  • Interest rate includes a fixed bonus of 2.06% gross p.a. paid until 30 June 2013
  • Easy access withdrawals without notice or loss of interest
3.01%Instant AccessApply Now >
  • Rate includes 1.36% gross/AER fixed bonus for 12 months
  • Monthly interest option is also available
  • Unlimited withdrawals with no loss of interest
  • Open with just £1
2.80%Easy AccessApply Now >
  • Rate includes a 0.89% bonus for 12 months
  • Open with £1,000
  • Bonus rate to help your savings grow
Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest Rate (AER)TermApply
3.63%2 YearsApply Now >
  • Earn 3.63% gross/AER fixed for 2 years
  • Save from £500
  • Monthly and annual interest options
  • Online savings account
  • No withdrawals or additional deposits allowed
  • Bond designed to be held for full term
  • Must be UK resident and aged 18 or over
3.27%1 YearApply Now >
  • Earn 3.27% gross/AER fixed for 1 year
  • Save from £500
  • Monthly and annual interest options
  • Online savings account
  • No withdrawals or additional deposits allowed
  • Bond designed to be held for full term
  • Must be UK resident and aged 18 or over 
2.80%18 MonthsApply Now >
  • £5,000 minimum deposit
  • No withdrawals or additional deposits allowed
2.50%9 MonthsApply Now >
  • £5,000 minimum deposit
  • No withdrawals or additional deposits allowed
up to
2.26%
6 MonthsApply Now >
  • Competitive returns on short-term savings
  • Open with £1
  • Only available to Nationwide FlexAccount holders.
  • 2.01% Goss/AER fixed on balances of £1-£49,999
  • 2.26% Gross/AER fixed on balances of £50,000 or more

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.