Easy Access | The Savings Guru

Easy Access

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
z Al Rayan Bank	2.81%	£5,000 / 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.
Apply Now	2.60%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	This product is only available via the Raisin UK platform but comes with a £30 sign up bonus for Savings Guru customers. You can find out more about Raisin, and how to claim the sign up bonus here
Apply Now	2.25%	£2,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	United Bank Limited UK (UBL) was formed in 2001 from the merger of two Pakistani banks and has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London. This product is only available via the Raisin UK platform but comes with a £30 sign up bonus for Savings Guru customers. You can find out more about Raisin, and how to claim the sign up bonus here
Atom Bank	2.55%	£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
z Charter Savings Bank	2.35%	£5,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	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
Harpenden Building Society	2.40%	£1 / no maximum	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid 31st December Added to the account	The rate on this account drops to 1.40% if four or more withdrawals are made per calendar year. Harpenden Building Society looks after £260m of savings and is the 38th largest building society in the UK
z Investec	2.45%	£5,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly	A competitive rate of interest on this straightforward easy access account. The higher minimum balance may put off savers with smaller balances
Kent Reliance	2.47%	£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 Court Financial Services and the combined group looks after £16.6bn of savings
s Marcus	2.25%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Paid Compounded	Marcus launched in September 2018 and is part of US bank Goldman Sachs
a Nationwide	2.50%	£1 / No max	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually Added to the account	Addditions are permitted but rate drops to 0.01% if more than three withdrawals are made during the 12 month term Nationwide are the largest building society and one of the top seven savings providers in the UK by value of deposits managed
Principality Building Society - Double Access	2.50%	£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
Saga	2.25%	£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 700,000 customers in the UK with £21bn of balances.
Secure Trust Bank	2.25%	£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
Shawbrook	2.30%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings Find out more about them here
Skipton Building Society	2.36%	£1 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	This product is limited access with only two 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 £21bn of deposits.
b Tandem Bank	2.55%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	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
Yorkshire Building Society	2.25% (£10,000+) 2.00% (£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 2.30% payable on balances of £50,000+ Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.
a Zopa Bank	2.40%	£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 2.45% (7 Day Notice), 2.60% (31 Day Notice) and 2.80% (95 Day Notice) You can find out more about them here

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