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Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
 Aldermore - double access
0.60% £1,000 / £1,000,000

Branch
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Branch
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  • 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 £12.4bn of deposits.  You can find out more about them here

 Chip
0.70% £1 / £30,000

Branch
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Branch
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  • Added to the account

Chip has partnered with Allica Bank to provide this best buy easy access account.  Chip is currently offering a 28 day free trial, after which it charges a £1.50 fee every four weeks.  Savings Guru readers who sign up via our apply now link and put the code TSG11 in get £10 in cashback, enough to cover more than the first six months of fees, and over seven months with the free trial.  Savers can also access Chip's autosaving feature and Blackrock's managed investment funds via the app.

Chip has over 350,000 users who have saved more than £500m.  Allica Bank is a UK licensed bank and you can find out more about them here

Charter Savings Bank
0.60% £5,000 / £1,000,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

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

Coventry Building Society
0.65% £1 / £250,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Monthly
  • Paid Annually
  • Paid on the last working day of the month

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  

Very competitive rate from Coventry Building Society which is the 2nd largest building society in the UK looking after £38.2bn of deposits

Coventry Building Society
0.55% £1 / £250,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Monthly
  • Paid Annually
  • Paid on the last working day of the month

This is a limited access account which means savers can only make six withdrawals a year.  From the seventh withdrawal onwards, a charge of 50 days interest will be made  

Very competitive rate from Coventry Building Society which is the 2nd largest building society in the UK looking after £38.2bn of deposits

Family Building Society - Premium saver
0.65% £15,000 / £250,000

Branch
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Branch
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  • Paid Annually
  • Paid Compounded
  • Paid on 31st January

Excellent rate from Epsom based Family Building Society who look after over £2bn of savings. 

Additions to this account can only be made up until 12pm on Friday 5th November, after which no further amounts can be added.

Withdrawals are permitted but are restricted to £25,000 per day.

Investec
0.58% £5,000 / £1,000,000

Branch
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Branch
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  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

A competitive rate of interest on this straightforward easy access account.

The higher minimum balance may put off savers with smaller balances

Leeds Building Society
0.60% £1,000 / £1m

Branch
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Branch
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  • Paid Away or Compounded
  • Paid On Maturity

Unlimited withdrawals can be made from this account, which has a fixed maturity date of 30th November 2022, when interest will be paid.

Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings.

Marcus
0.60% (0.10% bonus for 12 months) £1 / £250,000

Branch
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Branch
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  • Paid Monthly
  • Paid Compounded

Marcus launched in September 2018 and is part of US bank Goldman Sachs

This account includes a bonus rate of 0.10% for 12 months.  We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion.

Saga
0.60% (0.10% bonus for 12 months) £1 / £250,000

Branch
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Branch
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  • Paid Monthly
  • Paid Compounded

Saga savings relaunched in October and is now part of Marcus by Goldman Sachs which has over 700,000 customers in the UK with £21bn of balances.

This account includes a bonus rate of 0.10% for 12 months.  We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion.

Tandem Bank
0.55% £1 / £250,000

Branch
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Branch
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  • Paid Monthly
  • Paid Compounded

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

About The Savings Guru

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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