Easy Access | The Savings Guru

Easy Access

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
Find out more	1.15%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	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.
z Al Rayan Bank	1.45%	£2,500 / 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.
Apply Now	1.35%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here
Apply Now	1.40%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	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 0.10% 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
Atom Bank	1.35%	£1 / £100,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Compounded	Durham based Atom Bank has attracted over 20,000 customers and £2.4bn of savings since its launch in April 2016. Savers can only access Atom’s products via their mobile app
Chase	1.50%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly	Chase is a new digital bank that has been launched by US banking group JP Morgan
Coventry Building Society	1.35%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Monthly Paid Annually Paid on the last working day of the month	Very competitive rate from Coventry Building Society which is the 2^nd largest building society in the UK looking after £38.2bn of deposits
FCE Bank	1.30%	£1 / £2m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	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.
z Gatehouse	1.40%	£1,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Paid Away	This account pays expected profit, rather than interest, to meet Sharia law requirements
Paragon Bank	1.30%	£1 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	The rate on this account drops to 0.25% if four or more withdrawals are made within a 12 month period Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here
Principality Building Society - Double Access	1.40%	£1 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 1st January	Savers can only make two withdrawals per calendar year from this account. It can be closed at any time but closure counts as a withdrawal. Principality is the 6th largest building society in the UK, looking after £7.6bn of savings
Apply Now	1.32%	£100 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Part of French car giant Renault, RCI are a UK licensed bank and covered by the Financial Services Compensation Scheme You can find out more about them here
Sainsbury Bank	1.40%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	Sainsbury’s Bank opened in 1999 and was the first supermarket bank to open in the UK. This account is limited to three withdrawals each year, otherwise the rate reduces to 0.65%.
z Secure Trust Bank	1.40%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly	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
Skipton Building Society - Triple Access	1.36%	£5,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually	This product is limited access with only three withdrawals per year with a third withdrawal in the year acting as closure of the account. Skipton is the 4th largest building society in the UK and looks after £19.4bn of deposits.
a Virgin Money	1.30%	£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 three withdrawals from January to December, with the rate falling to 0.75% if more than three withdrawals are made during the calendar year.
Yorkshire Building Society	1.33% (£10,000+) 1.10% (£1,000+)	£1 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Annually Paid 31st March	This account comes with unlimited withdrawals and tiered rates of interest, with 1.38% payable on balances of £50,000+ Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.
b Zopa Bank	1.40%	£1 / £50,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly	Zopa started life as a peer to peer lending business in 2005 but became a licensed bank in 2019 and launched their first savings accounts in August 2020. This account comes with savings pots which pay 1.45% (7 Day Notice), 1.60% (31 Day Notice) and 1.80% (95 Day Notice) You can find out more about them here

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