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.

 

Leeds Building Society – Limited Issue Online Access Account

Leeds Building Society  offer a very competitive instant access savings account:

• Instant access savings 4.55% AER/Gross pa (variable) interest rate 
• Interest is paid annually
• Unlimited deposits and withdrawals
• Minimum deposit – £1,000
• Protected by the FSCS

Quick online application setup from Leeds Building Society

 

Investec Bank – Online Flexi Saver

Investec Bank  also offer a very competitive instant access savings account:

• Instant access savings 4.60% 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

 

RCI Bank – Freedom Saver Account

RCI Bank  offer a competitive instant access savings account:

• Instant access savings 4.45% 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

 

Hampshire Trust Bank – Online Easy Access Account

Hampshire Trust Bank  also offer a competitive instant access savings account:

• Instant access savings 4.40% AER/Gross pa (variable) interest rate
• Interest is paid annually
• Unlimited deposits and withdrawals
• Minimum deposit – £1
• Protected by the FSCS

Quick online application setup from Hampshire Trust Bank

 

Yorkshire Building Society – Internet Saver Plus Account

Yorkshire Building Society  offer an instant access savings account:

• Instant access savings 4.35% AER/Gross pa (variable) interest rate for balances over £1
• 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 Yorkshire Building Society

 

Aldermore Bank – Easy Access Account

Aldermore Bank also offer an instant access savings account:

• Instant access savings 4.25% 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

 

Post Office Savings – Online Saver Account

Post Office Savings also offer an instant access savings account:

• Instant access savings 4.10% 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

 

Chip Savings – Instant Access Account

Chip also offer an instant access account:

• Instant access savings 3.75% 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

 

 

Current Account – Earn up to 6% AER on linked regular savings 

Some of the best rates of interest you will get on cash currently are on current accounts. The Santander’s Edge Current Account offers 6% AER for their linked Regular Savings Account, for balances up to £4,000.