What £10,000 earns in a year
November 2026. The same £10,000 at the middle rate of 28 bank savings accounts, and at the highest easy access rate we checked.
Worked out on
- At 1.10%The middle rate of 28 easy access accounts at 17 current account banks
- £110
- At 4.56%The highest easy access rate we checked, from Family Building Society
- £456
- DifferenceOver one year
- £346
The working
£10,000 × 1.10% = £110. £10,000 × 4.56% = £456. Both are interest for one year before any tax, to the nearest pound.
1.10% is the middle rate when the 28 accounts listed below are put in order, which is halfway between the two in the middle. They are easy access accounts at 17 banks that offer current accounts, each checked on the date shown.
4.56% is the most £10,000 would earn over a full year in an easy access account that anyone can open.
The highest easy access rate
| Account | Checked | Source | AER |
|---|---|---|---|
| Family Building SocietyPremium Saver (8) | Checked | familybuildingsociety.co.uk | 4.56% |
Minimum £1,000. No limit on withdrawals.
The 28 bank accounts
| Account | Checked | Source | AER |
|---|---|---|---|
| Bank of ScotlandAccess Saver | Checked | bankofscotland.co.uk | 0.75% |
| Bank of ScotlandInstant Access Savings Account | Checked | bankofscotland.co.uk | 0.75% |
| HalifaxEveryday Saver | Checked | halifax.co.uk | 0.75% |
| LloydsStandard Saver | Checked | lloydsbank.com | 0.75% |
| Metro BankInstant Access Savings Account | Checked | metrobankonline.co.uk | 0.90% |
| SantanderEveryday Saver | Checked | santander.co.uk | 0.90% |
| BarclaysEveryday Saver | Checked | barclays.co.uk | 1.00% |
| NatWestFlexible Saver | Checked | natwest.com | 1.00% |
| Royal Bank of ScotlandFlexible Saver | Checked | rbs.co.uk | 1.00% |
| TSBEasy Saver | Checked | tsb.co.uk | 1.00% |
| TSBeSavings | Checked | tsb.co.uk | 1.00% |
| first directSavings Account | Checked | firstdirect.com | 1.05% |
| HSBCFlexible Saver | Checked | hsbc.co.uk | 1.05% |
| HSBCPremier Savings | Checked | hsbc.co.uk | 1.10% |
| NationwideInstant Access Saver | Checked | nationwide.co.uk | 1.10% |
| Co-operative BankSmart Saver | Checked | co-operativebank.co.uk | 1.40% |
| TSBSavings Pots | Checked | tsb.co.uk | 1.45% |
| Virgin MoneyM Plus Saver | Checked | uk.virginmoney.com | 1.75% |
| BarclaysReward Saver | Checked | barclays.co.uk | 1.85% |
| SantanderEasy Access Saver | Checked | santander.co.uk | 2.00% |
| NationwideFlex Instant Saver | Checked | nationwide.co.uk | 2.30% |
| SantanderSelect Easy Access Saver | Checked | santander.co.uk | 2.50% |
| MonzoInstant Access Savings Pot | Checked | monzo.com | 2.80% |
| KrooCurrent Account (with Savings Pots) | Checked | kroo.com | 3.25% |
| first directBonus Savings Account | Checked | firstdirect.com | 3.35% |
| HSBCOnline Bonus Saver | Checked | hsbc.co.uk | 3.35% |
| BarclaysRainy Day Saver | Checked | barclays.co.uk | 3.96% |
| StarlingEasy Saver | Checked | starlingbank.com | 4.00% |
About this page
This figure was worked out once, on 11 November 2026, from rates checked on the dates shown, and the page doesn’t change after that. For the rates as they are now, see easy access savings rates.