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Money Saving & Investing Easy Access Savings Compare
Easy Access Savings
Our easy access savings accounts tables will allow you to quickly identify the highest savings rates for accounts with the ability to access your funds instantly if you require it.
Search Savings Accounts
Editors Choice - ING Direct Savings Account - 3.10% AER
New customers only. 3.10% AER variable on balances up to £250,000 plus resulting interest. Open an account online in as little as 10 minutes. Conditions apply.
Easy Access Savings Accounts
|
Provider |
Account |
Notice |
Interest Paid |
Minimum Balance |
Apply |
|
|---|---|---|---|---|---|---|
 |
3.10%
|
Instant
|
Monthly
|
£1
|
||
 |
3.01%
|
Instant
|
Monthly
|
£1
|
||
 |
2.80%
|
Instant
|
Annually
|
£1,000
|
||
 |
2.80%
|
Instant
|
Monthly
|
£1,000
|
||
 |
2.50%
|
Instant
|
Monthly
|
£1
|
||
|
|
2.50%
|
Instant
|
Monthly
|
£1,000
|
||
 |
2.50%
|
Instant
|
Annually
|
£10,000
|
||
|
|
1.60%
|
Instant
|
Annually
|
£1
|
||
Nationwide MySave Online Plus
- Deposit £1000 - £24,999 and get 2.85% AER including 1.34% AER bonus for 12 months.
- Save £25,000+ and get a competitive rate of interest of up to 3.17% AER, (3.12% gross p.a.) variable including a 1.66% gross p.a. conditional bonus which is fixed and will be paid for the first 12 months.
- Get 3.17% AER providing you make only 1 withdrawal per year (more than this will result in a lower rate of interest).
- Flexibility to make additional withdrawals if you need to (subject to a lower rate of interest and loss of bonus)*
- After bonus period the rate is 1.51% AER (1.50% gross p.a.) variable.
- Save from £1,000 to £5,000,000
- Open and manage your account online using the Nationwide MySave Online Savings site.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS -
Post Office Online Saver
- Access your savings 24/7/365
- Apply online in less than 10 minutes
- Instant account opening
- Open a savings account with just £1
- Rate applies to annual interest option and includes 1.36% gross/AER fixed interest bonus for the first 12 months
- Monthly interest option also available
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
ING Direct Savings Account
- New customers can enjoy a variable rate of 3.10% AER (3.06% gross p.a.) including a 2.56% gross p.a. bonus fixed for 12 months from the business day following account opening.
- After 12 months the rate will revert to our ING Direct Savings Account variable rate, currently 0.50% AER
- Move your money when you like, with no penalties or restrictions
- Start saving from £1, with no minimum or maximum monthly deposits required
- Open an account in minutes
- Award winning UK call centres
Lloyds TSB eSavings Account
- You must be an existing Lloyds TSB customer AND signed up to Lloyds Online Banking to be able to apply for this product
- Earn 1.60% AER/Gross from £1, and up to 2.50% AER/Gross on balances of £10,000 or more View eSavings Account interest rates.
- These rates include an introductory bonus of 1.50% AER on all tiers for the first 12 months.
- Interest paid annually.
- Start saving with only £1.
- Instant access - the convenience of Internet Banking or PhoneBanking means you can access your savings when it suits you.
- Set up a standing order - saving regularly from your current account is the easy way to grow your savings.
- Name your account to suit you, such as holiday, rainy day or simply savings.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
Nationwide Regular Savings
- A competitive rate of interest of up to 2.50% AER, (2.50% gross p.a.)
- Flexibility to make unlimited withdrawals if you need to giving you the highest level of flexibility available.
- Open an account with as little as £1!
- Save up to £1000 each month.
- Open and manage your account online using the Nationwide MySave Online Savings site.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
Lloyds TSB Easy Saver
- A variable rate of interest, currently 1.60% AER/Gross.
- This rate includes a fixed introductory bonus of 1.50% AER for the first 12 months.
- Open from as little as £1.
- Interest paid annually.
- Instant access - the convenience of Internet Banking or PhoneBank® means you can access your savings when it suits you.
- No limits on how much you can save.
- The options to have a standing order payment into your account, so you know your savings are always growing.
- Optional Cashpoint® card for easy access on the move.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
Scottish Widows Direct Transfer Account
- Rate includes a bonus of 0.89% for 12 months
- Minimum balance £1000
- Deposits can be made by internet banking, telephone or post
- No notice period or penalties for withdrawals
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
Barnsley Building Society Online Saver
- Great on-going rate of 2.50% gross pa/AER† variable with NO bonus period!
- Apply online with Barnsley Building Society award-winning, paperless application. No forms to sign.
- Open an Online Saver with as little as £1
- Make withdrawals at any time as long as you leave a minimum balance of £1
- Check your balance and view your statements whenever you wish
- Log into our secure website to transfer money to your nominated bank or building society account or a nominated account held with us
- Rate includes a bonus of 0.50% until 31/12/2010.
- YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme
- Easy access can mean lower rates
It is possible to obtain higher rates on your savings by given up some form of access to them. Banks do not value deposits that could be drawn out at anytime as highly as deposit which they know will be with them for a specified period of time. This allow the bank to structure their lending of your deposits better so that they can apply greater leverage to your deposit.
- Your deposits will be protected by the Financial Services Compensation Scheme (FSCS)
Any bank trading in the UK has to be a member of the Financial Services Authority by law. All FSA members are covered by the Financial Services Compensation Scheme.
However under European law, any banks offering a higher level of protection in their state of incorporation are not permitted to be part of the UK FSCS.
This means that should the bank go out of business, compensation will be paid to all its depositors for up to 100% of the first £85,000 of a depositor's total deposits with the bank. Where two depositors hold a joint account, each depositor will receive a maximum of £85,000 compensation in respect of the claim, providing a total of £170,000 protection.
