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!
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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 competitive instant access savings account:
- Instant access savings 0.72% AER/Gross pa (variable)
- Interest is paid monthly or annually
- Unlimited deposits and withdrawals
- Minimum deposit – £100
- Protected by the FSCS
Quick online application setup from RCI Bank
Shawbrook Bank – 45 Day Notice Account
If you are prepared to wait a short period for access to your funds, Shawbrook Bank offer a 45 Day Notice Account:
- 0.60% AER/Gross pa (variable)
- Interest is paid monthly or annually
- Unlimited deposits
- Withdrawals subject to 45 days notice
- Minimum deposit – £1,000
- Protected by the FSCS
Quick online application setup from Shawbrook Bank
Santander 123 Current Account
Earn 1.00% AER Fixed Interest for up to £20,000
- 1.00% 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 £5
- Mobile app
Our view: With this current account you get 1.00% AER on the first £20,000 of your cash. To qualify you will need to pay in £500 pm (Equates to a £6,000 pa salary) . Additionally you can gain up to 3% cashback on household bills – 1% on water, council tax bills and Santander mortgage payments, 2% on gas and electricity bills, and 3% on mobile phone, home phone, broadband and paid-for TV packages. The account has full savings FSCS protection.