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INSTANT ACCESS SAVINGS ACCOUNTS - Check out our top 5 savings accounts table and quickly see the latest deals on instant access and notice savings accounts. Choose the highest paying account and apply online today

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Editors Choice - Halifax Online Saver - 2.80% AER

Halifax Online Saver offers a high 2.80% AER (includes 2.70% AER bonus for 12 months) coupled with instant access to your cash should you require it!

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Top 5 Fixed Rate Bonds

Provider
Account
AER
Duration
Interest Paid
Min Bal
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Vanquis Bank 5 Year Fixed Rate Bond
4.65%
Fixed term for 5 years
Monthly/Annually
£1,000
Apply >
More Info
Scottish Widows 5 Year Fixed Rate Bond
4.60%
Fixed term for 5 years
Annually
£10,000
Apply >
More Info
Halifax 5 Year Fixed Rate Online Saver
4.25%
Fixed term for 5 years
On Maturity
£500
Apply >
More Info
Vanquis Bank 3 Year Fixed Rate Bond
4.15%
Fixed term for 3 years
Monthly/Annually
£1,000
Apply >
More Info
Halifax 4 Year Fixed Rate Online Saver
4.15%
Fixed term for 4 years
On Maturity
£500
Apply >
More Info

Scottish Widows 5 Year Fixed Rate Bond

Scottish Widows
  • The Scottish Widows 5 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 4.60%AER over a period of five years. The account is available to new and existing Scottish Widows Bank customers and is not linked to any investment products.
  • Fixed annual rate 4.60% Gross
  • Minimum deposit £10,000
  • Deposit Term - 5 years
  • No partial withdrawals permitted during deposit term.
  • *Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Lloyds TSB International 1 Year Bond

Lloyds TSB
  • Save for 1 year
  • Fixed interest rates of 3.40% AER/Gross*.
  • Save from £10,000 up to £5,000,000
  • No withdrawals are allowed.
  • Rate is fixed for the term of the deposit.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Halifax 3 Year Fixed Rate Online Saver

Halifax
  • Account gives you a great rate of 4.10% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Halifax 2 Year Fixed Rate Online Saver

Halifax
  • Account gives you a great rate of 3.75% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

First Save 1 Year Fixed Rate Bond

FirstSave
  • Minimum Deposit £1000 - No Maximum!
  • Monthly or Annually interest payment option:
  • - Minimum investment of £1,000 to get your interest paid annually = 3.45% AER
  • - Minimum investment of £5,000 to get your interest paid monthly = 3.40% AER
  • Deposit for a period of 1 year
  • Online Access allowing you to deposit funds and view your cash at all times.
  • Access can be given to funds if required in emergencies within the year; however this will result in loss of interest accrued to date.
  • FirstSave accounts are provided by FBN Bank (UK) Ltd, a UK bank which began trading in 2002 and is authorised and regulated by the Financial Services Authority.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

First Save 6 Month Bond

FirstSave
  • Earn an Annual Equivalent Rate (AER) of 3.0%
  • Minimum Deposit £1000 - No Maximum!
  • Monthly or Annually interest payment option:
  • - Minimum investment of £100 to get your interest paid annually = 2.98% AER
  • - Minimum investment of £5,000 to get your interest paid monthly = 3.00% AER
  • Online Access allowing you to deposit funds and view your cash at all times.
  • FirstSave accounts are provided by FBN Bank (UK) Ltd, a UK bank which began trading in 2002 and is authorised and regulated by the Financial Services Authority.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Halifax 1 Year Fixed Rate Online Saver

Halifax
  • Account gives you a great rate of 2.50% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

NatWest 1 Year Fixed Rate Bond

NatWest
  • Save between £5,000 - £500,000 and leave it untouched for the term
  • Available to personal NatWest customers aged 18 or over
  • No partial withdrawals or additional deposits are allowed. Early closure will result in an interest charge equivalent to:
  • 90 days' gross interest for our 1 year Fixed Rate Bond
  • 180 days' gross interest for our 2 year Fixed Rate Bond
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Nationwide 1 Year Fixed Rate Bond

Nationwide
  • Get higher savings rate the more you deposit
  • Deposit £1 - £49,999 = 2.65% AER fixed for 1 year
  • Deposit £50,000+ = 2.90% AER fixed for 1 year
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance mustn't exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Nationwide 1 Year Fixed Rate Bond

Nationwide
  • Get higher savings rate the more you deposit
  • Deposit £50,000+ = 2.90% AER fixed for 1 year
  • You need to have a Nationwide Flexi-Current Account to deposit funds in to this bond. If you do not have one you will be asked to set one up as part of your application process.
  • Manage your savings bonds online via our secure Internet Bank
  • Enjoy the security of a guaranteed rate of return
  • Choose between monthly or annual interest
  • Open several e-Bonds (the combined savings bonds balance must not exceed £3m)
  • Use your own e-Bond account nickname instead of having to remember a lot of numbers
  • Your online security protected with Nationwide's Internet Banking Promise
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

NatWest 2 Year Fixed Rate Bond

NatWest
  • Save between £5,000 - £500,000 and leave it untouched for the term
  • Available to personal NatWest customers aged 18 or over
  • No partial withdrawals or additional deposits are allowed. Early closure will result in an interest charge equivalent to:
  • 90 days' gross interest for our 1 year Fixed Rate Bond
  • 180 days' gross interest for our 2 year Fixed Rate Bond
  • You will need to have a NatWest current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
  • This is a limited offer and may be withdrawn from sale at any time
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Halifax 4 Year Fixed Rate Online Saver

Halifax
  • Account gives you a great rate of 4.15% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Halifax 5 Year Fixed Rate Online Saver

Halifax
  • Account gives you a great rate of 4.25% AER
  • You can open an account with just £500.
  • The maximum balance is £9,000,000.
  • Great fixed rates of interest - so you are protected against changes in interest rates and know exactly what you'll earn.
  • On maturity you'll still get a good rate as your savings and interest are transferred into the Variable Rate Web Saver (which is opened at the same time as your Fixed Rate account).
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Hinkley and Rugby 1 Year Fixed Rate Bond

Governor Money
  • Account gives you a great rate of 3.10% AER
  • You can open an account with just £100.
  • The maximum balance is £100,000.
  • Early access on full closure only and subject to an Early Closure Charge equivalent to 270 days interest at 3.1% plus a £15 (ex VAT) admin charge
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Progessive BS 2 Year Fixed Rate Bond

Governor Money
  • Account gives you a great rate of 3.50% AER
  • You can open an account with just £100.
  • The maximum balance is £100,000.
  • Early access on full closure only and subject to an Early Closure Charge equivalent to 270 days interest at 3.1% plus a £15 (ex VAT) admin charge
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Vanquis Bank 3 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for THREE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Vanquis Bank 5 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for FIVE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Saffron BS 3 Year Fixed Rate Bond

Governor Money
  • Account gives you a great rate of 4.00% AER
  • You can open an account with just £100.
  • The maximum balance is £100,000.
  • Early access on full closure only and subject to an Early Closure Fee
  • YOUR SAVINGS ARE PROTECTED UP TO £50,000 BY THE FSCS - Financial Services Compensation Scheme

Scottish Widows 3 Year Fixed Rate Bond

Scottish Widows
  • The Scottish Widows 3 Year Fixed Rate Bond is a fixed interest rate account offering a competitive 4.00% AER over a period of three years.
  • The account is available to new and existing Scottish Widows Bank customers and is not linked to any investment products.
  • Fixed annual rate 4.00% Gross
  • Minimum deposit £10,000
  • Deposit Term - 3 years
  • No partial withdrawals permitted during deposit term.
  • *Stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Top 5 ISAs

Provider
Account
AER
Notice
Deposit Per Year
Apply
View Full Table >
Nationwide e-ISA
3.10%
Instant
Min £1,000
Max £5,340
Apply >
More Info
ING Direct Cash ISA
3.00%
Instant
Min £1
Max £5,340
Apply >
More Info
BOS ISA Direct Reward
2.60%
Instant
Min £1
Max £5,340
Apply >
More Info
Halifax ISA Saver Online
2.60%
Instant
Min £1
Max £5,340
Apply >
More Info
Natwest e-ISA
2.50%
Instant
Min £1
Max £5,340
Apply >
More Info

Nationwide e-ISA

Nationwide
  • Get 3.10% AER Tax Free on your savings
  • Rate includes a 1.35% bonus until 31/08/2012
  • Open and manage your account online
  • Have instant access to your funds: no withdrawal limits or penalties
  • Pay into your account as many times as you want to, up to your annual cash ISA limit
  • Transfer in from existing cash ISAs held with Nationwide or other providers
  • In order to apply for and operate an e-ISA you must have a Nationwide current account
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

ING Direct Cash ISA

ING Direct
  • Act now and you can enjoy a great tax free rate of 3.0% AER variable (2.96% gross p.a variable, including a 1.96% gross p.a bonus fixed for 12 months from opening)
  • This rate then reverts to a variable Cash ISA rate currently 1.00% gross/AER.
  • The interest is calculated daily and paid monthly.
  • You can invest from £1 up to £5,340 each tax year and benefit from tax free savings.
  • You can NOT transfer your existing ISA balances to this ISA
  • The tax year runs from 6 April to 5 April the following year.
  • You can invest in one lump sum or in any number of smaller payments up to the annual subscription limit (£5,340).

Halifax ISA Saver Online

Halifax
  • 2.60% tax free/AER variable including 12 month fixed bonus of 2.35%
  • Interest paid tax free
  • Open from just £1 and save in a way that suits you
  • Easy access to your savings
  • Transfers in benefit from our ISA Promise
  • Maximum savings £5,340 annually (tax year 2011/2012)
  • Available from age 16 onwards
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

BOS ISA Direct Reward

Bank of Scotland
  • £1 minimum opening balance - you will also need to keep a balance of at least £1 for the 12 month reward period
  • Unlimited withdrawals during the 12 month reward period
  • Unlimited number of deposits - up to £5,340 this tax year
  • Easy access: you can manage your account by phone and make deposits in branch. View your savings online 24/7 and transfer money between your own Bank of Scotland accounts.
  • If you have a cash ISA with another provider and want to take advantage of our ISA promise and interest rates, you can transfer your ISA to us now
  • Before you apply, read our summary box and important information
  • As part of our ISA promise, we will keep you informed when your reward offer is coming to an end. Once the reward offer is over the ISA Saver Direct variable interest rate (currently 0.50% Gross p.a.) and conditions apply

Natwest e-ISA

NatWest
  • Save from £1 and save up to £5,340 per tax year
  • If you wish to transfer your existing ISAs balances to this ISA you will earn the following rate of interest:
  • £0 - £9,999 = 2.00% AER
  • £10,000 - £29,900 = 2.25% AER
  • £30,000+ = 2.50% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
  • Manage your ISA by Phone, post, in branch and online
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Natwest Cash ISA

NatWest
  • Save from £1 and save up to £5,340 per tax year
  • Earn 0.50% AER to 2% AER depending on deposit:
  • £50,000+ = 2.00% AER
  • £27,000 - £49,999 = 1.75% AER
  • £22,000 - £26,999 = 1.10% AER
  • £15,000 - £21,999 = 0.95% AER
  • £9,000 - £14,999 = 0.75% AER
  • £1 - £8,999 = 0.50% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
  • Manage your ISA by Phone, post, in branch and online
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme


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Instant Access Savings Accounts

Instant access savings accounts are a great tool for earning the best interest on savings for large balances while providing the flexibility to access your funds without notice. This means that you could have your salary paid into your savings account, allowing you to start earning interest on your money as soon as you get it.

You can set up instant access savings accounts from as little as £1, and you will not have to pay any account fees, plus you get unlimited penalty free withdrawals. This makes saving easy, helping you to get the most from your savings.

Most banks provide a number of banking facilities that allow you to manage your account with ease. These include telephone, internet and branch banking services, giving you the means to carry out a number of banking tasks.

The Financial Services Compensation Scheme now covers all UK banks for up to £85,000, and banks outside the UK have their own schemes in place (some exceeding the UK limit) so as long as you stick to these limits, or spread your cash between different banking institutions, you can have peace of mind in knowing your money is safe. For more information on which banks fall inder the same institutions, see Which4U's Top Ten Savings Tips.
 

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