Instant Access Savings Accounts
Compare top UK instant access accounts with FSCS protection
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 – Online Easy Access Account
Hampshire Trust Bank offer a very competitive instant access savings account:
- Instant access savings 5.15% AER/Gross pa (variable) interest rate
- Interest is paid annually
- Unlimited payments and withdrawals
- Low minimum deposit – £1
- Protected by the FSCS
Quick online application setup from Hampshire Trust Bank
Leeds Building Society – Online Easy Access Account
Leeds Building Society also offer a very competitive instant access account:
- Instant access savings 5.00% 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
Chip Savings – Instant Access Account
Chip offer a competitive 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 a competitive 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 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
Post Office Savings – Online Saver Account
Post Office Savings also offer an instant access savings account:
- Instant access savings 4.70% 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
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 5.00% AER on up to £1,500
Some of the best rates of interest you will get on cash currently are on current accounts. The Nationwide Flex Direct Current Account offers 5.00% AER for balances up to £1,500 for 12 months.