Instant Access Savings Accounts

Compare top UK instant access accounts with FSCS protection

Account
Hampshire Trust Bank Online Easy Access Account
Interest Rate
5.06%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Post Office Online Saver
Interest Rate
4.90%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Leeds Building Society Limited Issue Online Easy Access Account
Interest Rate
4.85%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
GB Bank Base Rate Tracker Savings Account (brought to you by Wombat Invest)
Interest Rate
4.91%
Gross/AER
Term
Easy Access (one withdrawal per month)
Minimum Deposit
£500
Account
Chip Instant Access Account
Interest Rate
4.84%
AER
Term
Instant Access
Minimum Deposit
£1
Account
Yorkshire Building Society Internet Saver Plus
Interest Rate
4.80%
Gross/AER
Term
Instant Access
Minimum Deposit
£10,000
Account
RCI Bank Freedom Savings Account
Interest Rate
4.75%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Investec Online Flexi Saver
Interest Rate
4.70%
AER
Term
Instant Access
Minimum Deposit
£5,000
Account
Aldermore Easy Access Account
Interest Rate
4.50%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Investec Bank 90 Day Notice Account
Interest Rate
5.25%
AER
Term
90 Day Notice
Minimum Deposit
£5,000
Account
RCI Bank 95 Day Notice Account
Interest Rate
4.95%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
RCI E-Volve 14 Day Notice Account
Interest Rate
4.80%
Gross/AER
Term
14 Day Notice
Minimum Deposit
£1,000

Ethical savings account All funds deposited will be used to fund pure electric vehicles and charging facilities

Account
Aldermore 30 Day Notice Account
Interest Rate
4.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Aldermore Double Access Account
Interest Rate
Up to 4.90%
Gross/AER
Term
Easy Access
Minimum Deposit
£1,000
Account
Aldermore 120 Day Notice Account
Interest Rate
4.80%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1,000
Account
Nationwide 1 Year Triple Access Online Saver
Interest Rate
Up to 4.25%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Account
Leeds Building Society E-Saver Instant Access Account
Interest Rate
2.45%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
UBL 95 Day Notice Account
Interest Rate
2.71%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000

Instant Access Best Buys

Many savings accounts below-inflation interest rates, which means people’s savings are being eroded in real terms.

While there are many savings accounts on the market, many do not offer much of a financial advantage as they offer interest that only matches the base rate set by the Bank of England.

We help you compare a selection of some of the best interest paying accounts.

For savers looking to access their money regularly, a good instant access savings account will offer flexible withdrawal facilities while combining these with a good rate of interest.

 

Hampshire Trust Bank’s – Limited Issue Online Access Account

Hampshire Trust Bank offer a very competitive instant access account:

  • Instant access savings 5.06% AER/Gross pa (variable)
  • Interest is paid annually
  • Unlimited deposits and withdrawals
  • Open and manage account online
  • Minimum deposit – £1
  • Protected by the FSCS

Quick online application setup from Hampshire Trust Bank

 

Post Office Savings – Online Saver Account

Post Office Savings also offer a very competitive instant access savings account:

  • Instant access savings 4.90% AER/Gross pa (variable) interest rate
  • Interest is paid monthly or annually
  • Open in single or joint name
  • Includes bonus, rate drops to underlying rate after 12 months
  • Low minimum deposit – £1
  • Protected by the FSCS

Quick online application setup from Post Office Savings

 

Leeds Building Society – Limited Issue Online Access Account

Leeds Building Society offer a competitive instant access account:

  • Instant access savings 4.85% AER/Gross pa (variable)
  • Interest is paid annually
  • Unlimited deposits and withdrawals
  • Open and manage account online
  • Minimum deposit – £1,000
  • Protected by the FSCS

Quick online application setup from Leeds Building Society 

 

Wombat – Instant Access Account

Wombat also offer a competitive instant access account:

  • Instant access savings 4.91% AER/Gross pa (variable)
  • Interest moves in line with Bank of England Base Rate
  • Interest is accrued daily
  • Withdrawals limited to one per month
  • Open and manage account online
  • Minimum deposit – £500
  • Protected by the FSCS

Quick online application setup from Wombat 

Chip Savings – Instant Access Account

Chip offer an instant access account:

  • Instant access savings 4.84% AER/Gross pa (variable)
  • Interest is paid monthly
  • Unlimited deposits and withdrawals
  • Open and manage account online
  • Low minimum deposit – £1
  • Protected by the FSCS

Quick online application setup from Chip

 

Yorkshire Building Society – Internet Saver Plus Account

Yorkshire Building Society  also offer an instant access savings account:

  • Instant access savings 4.80% AER/Gross pa (variable) interest rate for balances over £10,000
  • Tiered interest: 4.45% for balances from £1 to £9999, 4.45% £10,000 to £49,999, 4.45% £50,000+
  • Interest is paid annually
  • Open in single or joint name
  • Unlimited deposits and withdrawals
  • Minimum deposit – £10,000
  • Protected by the FSCS

Quick online application setup from Yorkshire Building Society

 

RCI Bank – Freedom Saver Account

RCI Bank also offer an instant access savings account:

  • Instant access savings 4.75% AER/Gross pa (variable) interest rate
  • Interest is paid monthly or annually
  • Open in single or joint name
  • Unlimited deposits and withdrawals
  • Low minimum deposit – £100
  • Protected by the FSCS

Quick online application setup from RCI Bank

 

Investec Bank – Online Flexi Saver

Investec Bank  also offer an instant access savings account:

  • Instant access savings 4.70% AER/Gross pa (variable)
  • Interest is paid monthly, either to linked bank account or adding back in
  • Unlimited deposits and withdrawals
  • Minimum deposit – £5,000
  • Protected by the FSCS

Quick online application setup from Investec Bank

 

Aldermore Bank – Easy Access Account

Aldermore Bank also offer an instant access savings account:

  • Instant access savings 4.50% AER/Gross pa (variable) interest rate
  • Interest is paid monthly or annually
  • Open in single or joint name
  • Unlimited deposits and withdrawals
  • Minimum deposit – £1,000
  • Protected by the FSCS

Quick online application setup from Aldermore Bank

Current Account – Earn up to 7% AER on linked regular savings 

Some of the best rates of interest you will get on cash currently are on current accounts. The Santander’s Edge Current Account offers 7% AER for their linked Regular Savings Account, for balances up to £4,000.