Instant Access Savings Accounts
Compare Instant Access Savings Accounts
With UK savings rates at an all time low you need to take action to ensure your savings are getting the best interest deal possible!
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.
RCI Bank – Freedom Saver Account
RCI Bank offer a market leading instant access savings account:
- Instant access savings 1.10% AER/Gross pa (variable)
- Interest is paid monthly or annually
- Open in single or joint name
- Unlimited deposits and withdrawals
- Minimum deposit – £100
- Which? Recommended Savings Provider
- Protected by the FSCS
Quick online application setup from RCI Bank
Brown Shipley – Easy Access Account
Brown Shipley also offer a market leading instant access account:
- Instant access savings 1.10% AER/Gross pa (variable)
- Interest is paid monthly
- Register for a free Raisin UK Account to apply for product
- Unlimited deposits and withdrawals
- Minimum deposit – £1,000
- Protected by the FSCS
Quick online application setup from Brown Shipley
Investec Bank – Online Flexi Saver
Investec Bank offer a very competitive instant access account:
- Instant access savings 1.06% 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 a very competitive instant access savings account:
- Instant access savings 0.85% AER/Gross pa (variable)
- Interest is paid monthly
- Unlimited deposits and withdrawals
- Minimum deposit – £1,000
- Protected by the FSCS
Quick online application setup from Aldermore Bank
Leeds Building Society – Online Easy Access Account
Leeds Building Society offer a competitive instant access account:
- Instant access savings 0.71% 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
Hampshire Trust Bank – Online Easy Access Account
Hampshire Trust Bank also offer competitive instant access savings account:
- Instant access savings 0.50% AER/Gross pa (variable)
- Interest is paid annually
- Open in single or joint name
- Unlimited deposits and withdrawals
- Minimum deposit – £1
- Protected by the FSCS
Quick online application setup from Hampshire Trust Bank
Top UK Current Account – Earn up to 0.50% AER on up to £20,000
Some of the best rates of interest you will get on cash currently are on current accounts. The Santander 123 Current Account offers 0.50% AER for balances up to £20,000 plus up to 3% cashback on household bills.

Santander 123 Current Account
Earn 0.50% AER Fixed Interest for up to £20,000
- 0.50% AER (variable) payable on your entire balance up to £20,000
- Up to 3% cashback on household bills
- Must pay a minimum of £500 into the account each month
- Monthly fee of £4
- Mobile app