Easy access savings rates
47 easy access accounts in order of rate and nothing else.
Last checked
Open to anyone
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
 LemFiInstant Access Savings Account | 5.26% for 6 months, then 3.30%, and only if you have never held a LemFi savings account. App only, and your money is held at ClearBank because LemFi is not a bank. | Checked | lemfi.com | 5.26% |
 CahootSunny Day Saver | Only £3,000 earns interest. The rate lasts 12 months, then it moves to a Cahoot Savings Account paying about 1%. | Checked | cahoot.com | 5.00% |
 Family Building SocietyPremium Saver (8) | Minimum £1,000. No limit on withdrawals. | Checked | familybuildingsociety.co.uk | 4.56% |
 Monument BankWelcome Saver | Rate lasts 12 months, then Bank Rate minus 0.50%. App only, new customers only, minimum £25,000. | Checked | monument.co | 4.56% |
 Tembo MoneyHomeSaver | 1.55% bonus for 12 months, then 3.00%. App only, and you lose the bonus with more than 3 withdrawals a year or under £1,000 after a year. | Checked | tembomoney.com | 4.55% |
| CahootSimple Saver | Rate lasts 12 months. | Checked | cahoot.com | 4.52% |
 Earl Shilton Building SocietyReward Saver Online | 2.00% bonus for 12 months, then 2.50%, lost if a 4th withdrawal closes the account. Minimum £20,000, online only. | Checked | esbs.co.uk | 4.50% |
 Progressive Building Society1 Year Double Access Saver (Issue 2) | Open by branch or post only. 2 withdrawals in the 12-month term. | Checked | theprogressive.com | 4.50% |
 United Trust BankLimited Access Saver | Only a limited number of withdrawals. Check how many before opening. | Checked | moneyfactscompare.co.uk | 4.45% |
 Vida SavingsDouble Access Saver | 2 withdrawals a year. Minimum £500. | Checked | becleverwithyourcash.com | 4.36% |
 Sainsbury's MoneyEasy Access Saver | 4.35% for Nectar members and 4.25% otherwise, for 12 months, then 1.25%. No more than £10,000 per withdrawal or £20,000 a day. | Checked | moneysavingexpert.com | 4.35% |
 OakNorth BankEasy Access Tracker (Issue 16) | 4.27% for 3 months, then 3.25%. | Checked | moneyfactscompare.co.uk | 4.27% |
 Ecology Building SocietySingle Access Saver | 1 withdrawal a year. Minimum £2,000. | Checked | ecology.co.uk | 4.25% |
 SagaEasy Access Savings Account | Includes a 1.39% bonus for 12 months, so about 2.86% after that. New customers only. | Checked | moneyfactscompare.co.uk | 4.25% |
 Tesco BankInternet Saver | Includes a bonus for 12 months. | Checked | moneyfactscompare.co.uk | 4.24% |
 Charter Savings BankEasy Access (Issue 80) | No bonus to run out. No limit on withdrawals. | Checked | chartersavingsbank.co.uk | 4.21% |
 Ford MoneyFlexible Saver | No bonus to run out. Existing customers get the same rate as new ones. | Checked | fordmoney.co.uk | 4.21% |
 Leeds Building SocietyOnline Access Saver (Issue 24) | No bonus to run out. Minimum £1,000. | Checked | leedsbuildingsociety.co.uk | 4.20% |
 Yorkshire Building SocietyTriple Access eSaver | Withdrawals on 3 days a year. | Checked | ybs.co.uk | 4.20% |
 Cynergy BankOnline Easy Access Account | Includes a 2.00% bonus for 12 months, so about 2.15% after that. | Checked | cynergybank.co.uk | 4.15% |
| Raisin UKBest easy access rate on platform (Investec Bank) | Through the Raisin savings platform, currently with Investec. Minimum £100. | Checked | raisin.com | 4.13% |
 Shawbrook BankBonus Easy Access Savings Account | Includes a 2.13% bonus for 12 months, so about 2.00% after that. New customers only. | Checked | shawbrook.co.uk | 4.13% |
 Vanquis BankTriple Access Saver Account (Issue 4) | 3 withdrawals, and a 4th drops the rate to 2.00%. Minimum £1,000. | Checked | vanquis.com | 4.08% |
| Kent RelianceEasy Access Savings Account (Issue 16) | Online only. No limit on withdrawals. | Checked | kentreliance.co.uk | 3.75% |
 Marcus by Goldman SachsOnline Savings Account | 3.75% for 12 months, then 3.24%. | Checked | marcus.co.uk | 3.75% |
 NS&IDirect Saver | No limit on withdrawals. The interest is taxable. | Checked | nsandi.com | 3.75% |
| NS&IIncome Bonds | Interest is paid monthly to your bank account and is taxable. Minimum £500. | Checked | nsandi.com | 3.75% |
 Tandem BankInstant Access Saver | Includes a 0.25% top-up for 12 months. App only. | Checked | tandem.co.uk | 3.40% |
 Sidekick MoneyMulti Shield Savings | Opened in the app, and your money is placed through the Bondsmith platform. | Checked | depositscout.com | 3.23% |
 PlumEasy Access Savings Pocket | Plum is not a bank. 3.00% on Basic and Plus plans, and higher rates need a plan costing £7.99 or £14.99 a month. | Checked | withplum.com | 3.00% |
 Atom BankInstant Saver | App only. Holds up to £100,000. | Checked | atombank.co.uk | 2.50% |
 SantanderEasy Access Saver | A 12-month account. Select customers can get 2.50% on a separate saver. | Checked | santander.co.uk | 2.00% |
 LloydsEasy Saver | 0.75% up to £24,999, 0.90% up to £99,999 and 1.00% from £100,000. After 12 months it becomes a Standard Saver. | Checked | lloydsbank.com | 0.75% |
You need another account with them
| Account | Good to know | Checked | Source | AER |
|---|---|---|---|---|
| SantanderEdge Saver | Only holds £4,000, and you need a Santander Edge current account. Includes a 2.50% bonus for 12 months. | Checked | santander.co.uk | 6.00% |
| RevolutInstant Access Savings | 5.00% only until 4 December, then 2.90%. That’s about 3.04% over a year. You need a Revolut account. | Checked | becleverwithyourcash.com | 5.00% |
 ZopaSmart Saver, Limited Access pot | 3 withdrawals a year, and a 4th drops it to 2.00%. For new Zopa savers who open Smart Saver first, with a 1.06% bonus for 12 months on the first £50,000, then 3.50%. | Checked | zopa.com | 4.56% |
 ChaseSaver with Boosted Rate | 4.50% for 12 months, then 2.25%. New Chase customers within 31 days of joining, app only, and you need the Chase current account. | Checked | chase.co.uk | 4.50% |
 Hargreaves LansdownBest easy access rate on platform (Secure Trust Bank) | Through Hargreaves Lansdown Active Savings, currently with Secure Trust Bank. Minimum £1,000. | Checked | hl.co.uk | 4.11% |
| StarlingEasy Saver | You need a Starling account. | Checked | depositscout.com | 4.00% |
 Trading 212Interest on cash (Invest account, GBP) | Not a savings account, and you need a Trading 212 Invest account. With interest on, some of your cash can sit in money market funds, which the £120,000 protection does not cover. | Checked | trading212.com | 4.00% |
 BarclaysRainy Day Saver | 3.96% only up to £5,000, then 0.70%. You need Barclays Blue Rewards, which costs £5 a month. | Checked | barclays.co.uk | 3.96% |
 Ulster BankLoyalty Saver | You need an Ulster Bank current account. Pays 1% below £5,000. | Checked | ulsterbank.co.uk | 3.50% |
 MoneyboxSimple Saver | 3.40% only if you hold another Moneybox product, otherwise 2.40%. 1 withdrawal a month, and Moneybox is not a bank. | Checked | moneyboxapp.com | 3.40% |
| LloydsClub Lloyds Advantage Saver | You need Club Lloyds or Premier. 3% only with 2 or fewer withdrawals a year. | Checked | lloydsbank.com | 3.00% |
 MonzoInstant Access Savings Pot | You need a Monzo current account. Paid Monzo plans pay more. | Checked | monzo.com | 2.80% |
 Virgin MoneyM Plus Saver | You need a Virgin Money M Plus current account. 1.75% up to £25,000, then 1.25%. | Checked | uk.virginmoney.com | 1.75% |
| LloydsClub Lloyds Saver | You need Club Lloyds or Premier. 0.95% up to £24,999, 1.10% to £99,999, 1.20% above. | Checked | lloydsbank.com | 0.95% |
How these rates are checked
Every rate comes from the page linked beside it, and we read those pages each day. A rate we can’t confirm is left off, and so is one we haven’t confirmed in the last 14 days.
The order is by rate and nothing else. Accounts that pay the same rate are listed by name.