Easy Access | The Savings Guru

Easy Access

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Al Rayan Bank	0.70%	£1,000 / No Maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly	This account pays expected profit, rather than interest, to meet Sharia law requirements.
BB Aldermore	0.50%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Peterborough based Aldermore Bank were formed in 2009 and look after over £10bn of deposits
Charter Savings Bank	0.50%	£5,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Wolverhampton based Charter Savings is part of Chartercourt Financial Services. Charter Savings launched in April 2015 and looks after £5.6bn of savings
Kent Reliance	0.50%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	Kent Reliance are part of One Savings Bank, which is listed on the FTSE 250. One Savings Bank has recently completed its merger with Charter Savings Bank.
National Savings & Investments	1.00%	£1 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 1st April	National Savings & Investments is not a bank but is backed by the UK government and therefore is 100% safe. It is one of the largest savings providers in the UK, looking after £167bn of savings with over 25 million customers.
National Savings & Investments	1.16%	£500 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Away	National Savings & Investments is not a bank but is backed by the UK government and therefore is 100% safe. It is one of the largest savings providers in the UK, looking after £167bn of savings with over 25 million customers.
Apply Now	0.72%	£100 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Anniversary Paid Away or Compounded Paid Monthly Paid Annually	RCI consistently pay some of the best rates in the easy access market. They are now a UK licensed bank and covered by the Financial Services Compensation Scheme
ZZ Saga	0.75% (0.20% bonus)	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Compounded	Saga savings relaunched in October and is now part of Marcus by Goldman Sachs which has over 500,000 customers in the UK with £17bn of balances. The account comes with a 0.20% bonus for the first 12 months. We don't normally feature bonus accounts but this one would still be in our best buys without the bonus element.
Virgin Money	0.75%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	A very low minimum balance, but does come with limited access as this account is limited to two withdrawals per annum and closing your account is classed as a withdrawal.
Yorkshire Building Society	0.85% (£10,000+) 0.60% (£1,000+)	£1 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st March	Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

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We help savers get the best deal for their money by providing unique insight in to the savings market. We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them. We also work with existing banks and building societies to improve their savings propositions. This insider view of savings means we are uniquely placed to help savers.

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