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.