Santander Instant Access Savings Accounts

Santander Instant Access Savings Accounts

Compare UK Instant Access Deals For Savers

Compare Santander Instant Access Savings Accounts

Savings Offer – Instant Access

Earn 0.58% Gross AER

  • Provider – Investec Bank
  • Account – Online Flexi Saver Account
  • Deposit from £5,000
  • Interest paid monthly, either to a linked current account, or adding it to your Online Flexi Saver account
  • Unlimited payments and withdrawals
  • FSCS Protected
Investec Bank Online Flexi Saver »
Reviewers recommend Fair Investment Company
Account
Santander Everyday Current Account
Special Offer
£130 cashback
when you switch
Special Features
Earn up to 15% cashback with Retailer Offers. Just switch on, choose your offers and shop with any of your Santander cards
Account Fee
No fee

SPECIAL OFFER – £130 when you switch to Santander Everyday Current Account. T&Cs apply

Account
First Direct 1st Account
Special Offer
£100
For Switching
Funding Required
No monthly minimum
Interest Rate
1.00% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £100  when you switch to a First Direct 1st Account

Account
Starling Bank Mobile App Bank Account
Details
The award-winning current account built to give you more control over your money. Voted Best British Bank 2020*
Spend & Transfer Money Abroad
Account fee
FREE
*Best British Bank and Best Current Account in 2019 and 2020 at the British Bank Awards. Awarded 5 stars by Defaqto too
Account
Cashplus Current Account
Adverse Credit
Details
No credit checks - instant online decision. Apply from your mobile and manage your money with the banking app. Add Creditbuilder to your account and it could help build your credit rating at no extra cost
Account
HSBC Advance Bank Account
Special Offer
£110 + £30 Uber Eats voucher
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £110 + £30 Uber Eats voucher or The Dining Out Gift Card  when you switch to an HSBC Advance Bank Account Offer ends 31st October 2021. Eligibility criteria, further offer and account T&Cs apply

Account
Santander 1|2|3 Current Account
Special Offer
£130 cashback
when you switch
Interest Rate
0.30% AER fixed on balances up to £20,000
Funding Required
£500 per month
Account Fee
£4 pm

SPECIAL OFFER – £130 cashback when you switch to a Santander 1|2|3 Current Account. T&Cs apply

Account
Investec Online Flexi Saver
Interest Rate
0.58%
Gross/AER
Term
Instant Access
Minimum Deposit
£5,000
Account
Aldermore Double Access Account
Interest Rate
Up to 0.60%
Gross/AER
Term
Easy Access
Minimum Deposit
£1,000
Account
Hampshire Trust Bank Online Easy Access Account
Interest Rate
0.50%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Aldermore Easy Access Account
Interest Rate
0.50%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
RCI Bank Freedom Savings Account
Interest Rate
0.40%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Hampshire Trust Bank 120 Day Notice Account
Interest Rate
0.90%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1
Account
Hampshire Trust Bank 95 Day Notice Account
Interest Rate
0.85%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1
Account
Investec Bank 1 Year Fixed Rate Bond
Interest Rate
1.33%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
QIB UK Bank 2 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
QIB UK Bank 3 Year Fixed Rate Bond
Interest Rate
1.77%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
IS Bank 4 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
QIB UK Bank 5 Year Fixed Rate Bond
Interest Rate
2.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 30 Day Notice Cash ISA
Interest Rate
0.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 30 Day Notice Account
Interest Rate
0.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
RCI Bank 95 Day Notice Account
Interest Rate
0.82%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
Investec Bank 32 Day Notice Account
Interest Rate
0.80%
Gross/AER
Term
32 Day Notice
Minimum Deposit
£1,000
Plan Name

MB UK Growth Deposit Plan

Maximum Potential Return
17.1%
at end of term
Term
6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Account
Investec Online Flexi Saver
Interest Rate
0.58%
Gross/AER
Term
Instant Access
Minimum Deposit
£5,000
Account
Aldermore Double Access Account
Interest Rate
Up to 0.60%
Gross/AER
Term
Easy Access
Minimum Deposit
£1,000
Account
Hampshire Trust Bank Online Easy Access Account
Interest Rate
0.50%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Aldermore Easy Access Account
Interest Rate
0.50%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
RCI Bank Freedom Savings Account
Interest Rate
0.40%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Hampshire Trust Bank 120 Day Notice Account
Interest Rate
0.90%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1
Account
Hampshire Trust Bank 95 Day Notice Account
Interest Rate
0.85%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1
Account
RCI Bank 95 Day Notice Account
Interest Rate
0.82%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
Investec Bank 32 Day Notice Account
Interest Rate
0.80%
Gross/AER
Term
32 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 30 Day Notice Account
Interest Rate
0.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 120 Day Notice Account
Interest Rate
0.70%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1,000
Account
Investec Bank 1 Year Fixed Rate Bond
Interest Rate
1.33%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
QIB UK Bank 2 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
QIB UK Bank 3 Year Fixed Rate Bond
Interest Rate
1.77%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
IS Bank 4 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
QIB UK Bank 5 Year Fixed Rate Bond
Interest Rate
2.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 30 Day Notice Cash ISA
Interest Rate
0.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 1 Year Cash ISA
Interest Rate
0.40%
Gross/AER
Term
1 Year
Minimum Deposit
£1
Account
Aldermore Bank 1 Year Cash ISA
Interest Rate
0.85%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Aldermore Bank 2 Year Cash ISA
Interest Rate
1.05%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 3 Year Cash ISA
Interest Rate
1.10%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Hampshire Trust Bank 120 Day Notice Account
Interest Rate
0.90%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1
Account
Hampshire Trust Bank 95 Day Notice Account
Interest Rate
0.85%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1
Account
RCI Bank 95 Day Notice Account
Interest Rate
0.82%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£1,000
Account
Investec Bank 32 Day Notice Account
Interest Rate
0.80%
Gross/AER
Term
32 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 120 Day Notice Account
Interest Rate
0.70%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 30 Day Notice Account
Interest Rate
0.55%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Santander Everyday Current Account
Special Offer
£130 cashback
when you switch
Special Features
Earn up to 15% cashback with Retailer Offers. Just switch on, choose your offers and shop with any of your Santander cards
Account Fee
No fee

SPECIAL OFFER – £130 when you switch to Santander Everyday Current Account. T&Cs apply

Account
Starling Bank Mobile App Bank Account
Details
The award-winning current account built to give you more control over your money. Voted Best British Bank 2020*
Spend & Transfer Money Abroad
Account fee
FREE
*Best British Bank and Best Current Account in 2019 and 2020 at the British Bank Awards. Awarded 5 stars by Defaqto too
Account
First Direct 1st Account
Special Offer
£100
For Switching
Funding Required
No monthly minimum
Interest Rate
1.00% AER/Gross on Regular Savings
Account Fee
FREE

SPECIAL OFFER – Get £100  when you switch to a First Direct 1st Account

Account
Cashplus Current Account
Adverse Credit
Details
No credit checks - instant online decision. Apply from your mobile and manage your money with the banking app. Add Creditbuilder to your account and it could help build your credit rating at no extra cost
Account
HSBC Advance Bank Account
Special Offer
£110 + £30 Uber Eats voucher
For Switching
Interest Rate
1.00% AER/Gross on Regular Savings
Funding Required
£1,750 pm or £10,500 over 6 months to qualify
Account Fee
FREE

SPECIAL OFFER – Get £110 + £30 Uber Eats voucher or The Dining Out Gift Card  when you switch to an HSBC Advance Bank Account Offer ends 31st October 2021. Eligibility criteria, further offer and account T&Cs apply

Account
Santander 1|2|3 Current Account
Special Offer
£130 cashback
when you switch
Interest Rate
0.30% AER fixed on balances up to £20,000
Funding Required
£500 per month
Account Fee
£4 pm

SPECIAL OFFER – £130 cashback when you switch to a Santander 1|2|3 Current Account. T&Cs apply

Account
Santander 1|2|3 Lite Current Account
Special Offer
£130 cashback
when you switch
Funding Required
£500 per month
Details
Up to 3% cashback on selected household bills and up to 15% cashback with Retailer Offers
Account fee
£2 per month

SPECIAL OFFER – £130 cashback when you switch to a Santander 1|2|3 Lite Current Account. T&Cs apply

Account
NatWest Select Current Account
Special Offer
£100 to switch
and another £50 to stay
Funding Required
No minimum
Overdraft
Arranged Overdraft Available
Account fee
No fee

SPECIAL OFFER – You can get an initial £100 to switch to NatWest and another £50 if you stay with them

Account
Santander 1|2|3 Mini Current Account
Interest Rate
3% AER
2.96% gross
Interest Earned Between
£1,500 to 2,000
Minimum Deposit
No minimum
Account
NatWest Reward Current Account
Special Offer
£100 to switch
and another £50 to stay
Funding Required
£1,250 per month
Details
Up to £4 back in Rewards a month and at least 1% back on partner retailers*
Account fee
£2 per month

SPECIAL OFFER – You can get an initial £100 to switch to NatWest and another £50 if you stay with them

Account
Bunq Premium Mobile App Bank Account
Details
A revolutionary mobile bank, built from a clean slate, dedicated to your wants and needs. Get the freedom to spend, save, move and invest your money whichever way you like
Spend & Transfer Money Abroad
Account fee (EUR)
7.99 EUR per month
Account
Currensea Mobile App Bank Account
Details
Spend in confidence, whilst saving money on your overseas purchases
Spend & Transfer Money Abroad
Account fee
FREE
Account
Monese Multi-Currency Mobile App Bank Account
Details
Multi-currency banking app that provides you with fast and free current accounts in 31 countries
Spend & Transfer Money Abroad for Free
Account fee
£0 to £14.95 per month
Account
Revolut Mobile App Bank Account
Details
Modern banking: set up and manage current account directly from your phone
Spend & Transfer Money Abroad
Account fee
£0 to £12.99 per month
Plan Name

MB UK Growth Deposit Plan

Maximum Potential Return
17.1%
at end of term
Term
6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK Kick Out Deposit Plan

Maximum Potential Return
2%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Account
Hampshire Trust Bank 2 Year Business Fixed Rate Bond
Interest Rate
1.20%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Shawbrook Bank 2 Year Fixed Rate Business Savings Bond
Interest Rate
1.10%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Hampshire Trust Bank 1 Year Business Fixed Rate Bond
Interest Rate
1.11%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Shawbrook Bank 1 Year Fixed Rate Business Savings Bond
Interest Rate
1.00%
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Hampshire Trust Bank 120 Day Business Notice Account
Interest Rate
0.85%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£5,000
Account
Hampshire Trust Bank 95 Day Business Notice Account
Interest Rate
0.75%
Gross/AER
Term
95 Day Notice
Minimum Deposit
£5,000
Account
Investec Online Business Savings Account – 32 Day Notice
Interest Rate
0.75%
Gross/AER
Term
32 Day Notice
Minimum Deposit
£40,000
Account
Aldermore Bank 1 Year Business Fixed Rate Bond
Interest Rate
0.75%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Shawbrook Bank Easy Access Business Account
Interest Rate
0.50%
Gross/AER
Term
Easy Access
Minimum Deposit
£1,000
Account
Starling Bank Business Current Account
Details
Zero monthly fees with a fast and straightforward setup, the digital bank account built for contractors, freelancers and small businesses
Debit Card
Monthly Account Fee
FREE

Add the Business Toolkit to your free account and automate bookkeeping alongside your banking to save precious time on financial admin – Get the first month free (£7 per month after that)

Account
Go Solo Business Bank Account
Details
Open a business bank account with a debit card and start trading. Additional option to register a new UK limited company
Debit Card
Monthly Account Fee
FREE to Start

Account
Tide Business Current Account
Details
Powerful and simple business account - built to make your life easier. For companies of all shapes and sizes. Trusted by 130,000+ UK businesses
Debit Card
Monthly Account Fee
FREE

Get £50! Open a business current account with Tide & Fair Investment*

*£50 and a year of free transfers when you open a business account. T&Cs apply. Use the code: FAIRINVESTMENT
Account
Cashplus Business Account
Details
The Current Account of Today. No credit checks to apply. Instant approval once we verify your details. Real time banking services at a click or tap
Debit Card
Monthly Account Fee
No Monthly Fee
Account
Card One Business Account
Details
Account designed specifically for small businesses. No credit checks to apply. Free mobile app. Earn cash back up to 3.5%
Debit Card
Monthly Account Fee
£12.50
Account
Anna Business Current Account
Details
ANNA Money is the business current account for startups, small businesses and sole traders
Debit Card
Monthly Account Fee
FREE for 6 months*
Account
Currensea Business Current Account
Details
Currensea is a new way to globalise existing business bank accounts. Pay in every currency without the fees
Debit Card
Monthly Account Fee
FREE
Type of Card
FairFX Pre-Paid Business MasterCard
No Credit Check to Open
Details

Issue FairFX MasterCards to staff, and use the online platform to instantly load cards, monitor spending, and upload transaction data in accounting software at any time

Available to
Any registered business in the EU including Sole traders, SMEs, Charities, Trusts, PLCs, & Multinationals

FairFX Pre-Paid Business MasterCard

Account
Aldermore Bank 6 Month Business Fixed Rate Bond
Interest Rate
0.52%
Gross/AER
Term
6 Months
Minimum Deposit
£1,000
Account
Shawbrook Bank 100 Day Business Notice Account
Interest Rate
0.75%
Gross/AER
Term
100 Day Notice
Minimum Deposit
£5,000
Account
Shawbrook Bank 45 Day Business Notice Account
Interest Rate
0.55%
Gross/AER
Term
45 Day Notice
Minimum Deposit
£5,000

Santander Instant Access Savings

With Santander instant access savings accounts, you can open an account and begin saving whether you have £1 or £2 million.

The benefit of opening up an instant access savings account with Santander or any of the other big banks or building societies is that you do not have to choose between a competitive rate of interest and the ability to access your funds whenever you need to.

If you are looking at Santander instant access savings accounts, use our product comparison tables first to make sure you are getting the best deal for you.

There is a number of key things to look out for when choosing an instant access savings account.

Are happy with the variable interest rate which comes with most instant access accounts, as this could make a difference to the amount of interest you are paid on your savings.

A variable interest rate can move up and down, either in line with the Bank of England base rate or with the bank’s views in the underlying state of the economy, during the time you are an account holder. Some providers offer a fixed rate bonus on top of this rate, which can considerably improve the rate you get, but you have to remember to switch when this bonus period ends, usually after 12 months.

Compare features of Santander UK instant access savings accounts with our selection of the other top deals available and apply online.

Capital Protected Deposit Plan

Potential 15% after 6 years 

Return paid if the FTSE 100 rises by any amount after 6 years

  • Equivalent to 2% per year
  • 6 year term
  • Original capital back no matter how well the FTSE 100 Index performs
  • Available as cash ISA, non ISA or ISA transfer
More Plan Details »