Easy Access
| Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict |
|---|---|---|---|---|---|---|
|
4.75% | £1,000 / £1,000,000 | Branch | Branch |
| This account is limited to up two withdrawals within an anniversary year. If three or more withdrawals are made in the year, the rate reduces to 1.50% from the date of the third withdrawal. The interest rate resets to the higher rate at the next anniversary. Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here |
|
4.67% | £1,000 / £85,000 | Branch | Branch |
| Founded in 1810, Brown Shipley is a UK authorised private bank with over 200 years of experience, and is regulated by both the PRA and FCA. It is headquartered in London with offices in seven other UK cities, offering fully integrated wealth planning, investment management and banking services. This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.85% | £1,000 / £85,000 | Branch | Branch |
| There's a £100 bonus on offer for new savers signing up using the code OFFER100 via this link This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.65% | £1,000 / £250,000 | Branch | Branch |
|
London based Hampshire Trust Bank launched in 1977 but was acquired by a new management team in 2014 and now looks after in excess of £1.63bn of deposits. |
|
4.72% | £1,000 / £85,000 | Branch | Branch |
| This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.76% | £1,000 / £85,000 | Branch | Branch |
| This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.81% | £25,000 / £2m | Branch | Branch |
| Monument Bank launched in December 2021 and plans to target mass affluent individuals via its mobile app. Consequently, it has a higher minimum balance requirement than other savings providers. |
|
4.85% | £1 / £500,000 | Branch | Branch |
| Cahoot is a division of Santander, which is one of the top seven savings providers, by size, in the UK |
|
4.70% | £10,000 / £2m | Branch | Branch |
| Close Bank have been trading since 1878, are a FTSE 250 listed company and look after over £6.4bn of savings You can find out more about them here |
|
4.70% | £1 / £250,000 | Branch | Branch |
| This is a limited access account which means savers can only make four withdrawals a year. From the fifth withdrawal onwards, a charge of 50 days interest will be made Competitive rate from Coventry Building Society which is the 2nd largest building society in the UK looking after £38.2bn of deposits |
|
4.75% | £250 / £500,000 | Branch | Branch |
| Dudley is one of the smallest building societies in the UK looking after £559m of savings. |
|
4.76% | £500 / £250,000 | Branch | Branch |
| The interest rate on this Market Saver account is reviewed quarterly to ensure it remains consistently competitive and avoids the need for savers to continuously shop around. Family is part of National Counties Building Society, the 11th largest Society in the UK, looking after over £2bn of savings. |
|
4.75% | £1 / £2,000,000 | Branch | Branch |
| Essex based Ford Money have regularly been in our best buy tables since their launch in April 2017. The rate is variable but any changes get notified to savers who benefit from any upward movements automatically. |
|
4.65% | £1,000 / £1m | Branch | Branch |
| Unlimited withdrawals can be made from this account, which has a fixed maturity date of 30th September 2025 when interest will be paid. Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings. |
|
4.87% | £25,000 / £500,000 | Branch | Branch |
| This account has same day access subject to a 1pm cut off period. Oxbury is a specialist agricultural bank, focused on lending to UK farms. It got its banking licence in 2020 and launched savings accounts in February 2021. Savers will need a smartphone to download the Oxbury Banking App as part of the security measures to access their online account You can find out more abouy them here |
|
4.75% | £1,000 / £500,000 | Branch | Branch |
| The rate on this account drops to 1.50% if three or more withdrawals are made within a 12 month period Birmingham based Paragon launched in 2014. You can find out more about them in our banking directory here |
|
4.70% | £1,000 / £85,000 | Branch | Branch |
|
Birmingham based Secure Trust Bank look after over £2bn of deposits. They launched their first easy access account in March 2022 Find out more about them here |
|
4.65% | £1 / £250,000 | Branch | Branch |
| Tandem acquired Harrods Bank in January 2018. This 'green' saver can only be opened and managed via Tandem's mobile app but has a very low minimum balance |
|
4.75% | £1,000 / £250,000 | Branch | Branch |
| Vanquis Bank is part of the Provident Financial Group, which was founded in 2002 and looks after £1.68bn of deposits. You can find out more about Vanquis in our banking directory here |
|
4.81% | £1 / £1m | Branch | Branch |
| You can make up to four withdrawals each account year without charge or notice. An account year runs from 1st May to 30th April. Rate drops to 2.25% if three or more withdrawals made. This account has a fixed maturity of 31st December 2025 West Brom is the 7th largest building society in the UK. |