Easy Access
| Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict |
|---|---|---|---|---|---|---|
|
4.16% | £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 |
|
4.18% | £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. |
|
4.05% | £1,000 / £120,000 | Branch | Branch |
| This product is only available via the Raisin UK savings platform. You can find out more about Raisin here |
|
4.32% | £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 |
|
4.10% | £100 / £2m | Branch | Branch |
| This Double Access Savers allows up to 2 penalty free withdrawals per annum, further withdrawals subject to 120 day loss of interest. Cambridge is the 13th largest building society in the UK, looking after over £1.24bn of deposits, and are one of the few building society providers to have their own savings app |
|
4.07% | £1 / £1m | Branch | Branch |
| Wolverhampton based Charter Savings launched in 2015. It is now part of One Savings Bank which looks after a combined £16.6bn across its Charter Savings and Kent Reliance savings brands |
|
4.50% (includes 2% bonus for 12 months) | £1 / £500,000 | Branch | Branch |
| Chase is a new digital bank that has been launched by US banking group JP Morgan. The savings account comes with a current account which pays 1% cashback on spending and 5% interest on round ups of that spending. This rate includes a bonus of 2% AER paid for a year. Available to new customers for their first 31 days as a new customer. Bonus lasts for 12 months from opening the savings account. |
|
4.23% (2% bonus for 12 months) | £1 / £1m | Branch | Branch |
| Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings |
|
4.15% | £100 / £250,000 | Branch | Branch |
| Competitive rate from Epsom based Family Building Society with a low minimum balance. Deposits can be made by debit card or bank transfer but withdrawals are restricted to £25,000 per day. |
|
4.28% | £1,000 / £500,000 | Branch | Branch |
| This is a triple access account - savers can only access their money three times an anniversary year. This resets one year after account opening ThisBank is the rebrand of JN Bank, which was the first Carribean bank to be authorised in the UK and launched on 8th October 2020. |
|
4.05% | £1,000 / £1,000,000 | Branch | Branch |
| 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 Court Financial Services and the combined group looks after £16.6bn of savings |
|
4.20% | £1,000 / £1m | Branch | Branch |
| Unlimited withdrawals can be made from this account, which has a fixed maturity date of 1st September 2027 when interest will be paid. Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings. |
|
4.15% | £0 / £100,000 | Branch | Branch |
| To access this product, savers must open a LHV current account LHV Bank in the UK was originally a branch in 2018 but became a bank in its own right in 2023. LHV Bank is a subsidiary of LHV Group which is an Estonia based financial group. |
|
4.11% (includes 1.21% bonus for 12 months) | £1 / £250,000 | Branch | Branch |
| Saga savings is now part of Marcus by Goldman Sachs which has over 700,000 customers in the UK with £21bn of balances. |
|
4.16% | £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 |
|
4.13% (includes 2.13% bonus for 12 months) | £1 / £85,000 | Branch | Branch |
| New Customers only (must not have held a savings account with Shawbrook Bank in the last 28 days.) Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings Find out more about them here |
|
4.30% (includes 2.75% bonus for 12 months) | £5,000 / £3m | Branch | Branch |
| The rate on this Limited Edition account is just 1% if less than £5,000 is held in the account Ulster Bank is based in Northern Ireland but this account is open to all UK residents, not just those in Northern Ireland, by internet application. |
|
4.08% | £1,000 / £250,000 | Branch | Branch |
| The rate on this Triple Access Account drops to 2% if more than three withdrawals are made in a year. 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 |
|
4.16% | £10 / £85,000 | Branch | Branch |
| Vida Bank was authorised in 2024 and launched its first savings products on 5th December 2024. This is a Double Access Account. It allows two withdrawals per year but from the third withdrawal onwards the rate drops to 2.50%. |
|
4.16% | £1 / £250,000 | Branch | Branch |
| A very low minimum balance, but this account is limited to two withdrawals from January to December, with closure counting as a withdrawal. |
|
4.05% | £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 1.90% if five or more withdrawals made. This account has a fixed maturity of 31st September 2026 West Brom is the 7th largest building society in the UK. |
|
4.20% | £1 / £500,000 | Branch | Branch |
| Savers can withdraw from this account on any three days a year, starting from the day they open it e.g. if opened on 2nd May, savers have until 1 May the next year to make withdrawals. For security reasons, savers cannot withdraw money for the first 14 days after they open the account. Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings. |