Standard Life Instant Access Savings Accounts

If you are not a regular saver, or you simply want to maintain the ability to access your money when you want it, you would probably find a lot to like about instant access accounts. Standard Life are not currently offering this kind of account, preferring to instead specialise in ISAs, investment funds and various kinds of bonds.


Despite the fact that Standard Life do not offer customers an instant access savings account, there are many banks and building that do. We have designed the product comparison tables below to offer a quick and easy way of finding the instant access savings account that is best suited to your requirements.

Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
1.10%Instant AccessMore Info >
  • Earn 1.10% 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
0.75%Current Account
Instant Access
More Info >
0.75%Easy AccessMore Info >
  • Earn 0.75% tax free/AER variable
  • Save from just £100
  • Interest calculated daily and paid in March
  • Online access only
  • Partial ISA transfers out not available - transfers out in full only
up to 0.05%Instant accessMore Info >
  • Balances from £1 to £49,999 receive a rate of 0.0.1% AER  (variable) rising to 0.05% AER. (variable) for balances of £50,000 and over
  • Interest paid monthly
  • No penalties and no withdrawal charges 
  • Manage your account online, in branch or by phone 
  • Over 16s 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.

Short Term Fixed Rate Bonds (0-2 years)
ProviderAccountInterest RateTermApply
1.10%Instant AccessApply Now >
  • Earn 1.10% 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