Instant Access Savings Accounts
Simple ways to save
Instant access savings accounts can allow you easy access to your funds at any time, so they can be particularly suitable if you are looking for a flexible savings option.
Instant access savings accounts will usually pay a higher rate of interest than you could expect to get with a current account, but a lower rate than many other savings and investment options. You should consider carefully whether easy access over better rates is the right option for you.
Although instant or easy access savings accounts are usually designed to give you easier access to your savings if you need them, some products may still have a short notice withdrawal fee.
Savings accounts provide a low risk way of getting more out of you money. There are many different savings accounts available on the market offering different levels of access. You may want to speak to a savings advisor to help you find the best account for your needs.
Compare some of the most popular savings accounts, including instant access savings accounts using the table below.
Selected savings accounts
| Provider | Product | AER 
|
Notice
|
Min Balance
|
Interest Paid | More Info |
|---|---|---|---|---|---|---|
| Click More Info on the product you like the most! | ||||||
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Nationwide My Save Online Plus 3.12% Gross AER with the Nationwide Mysave |
3.12% Gross p.a./AER | Instant access | £1 | Monthly |  |
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Post Office Online Saver Unlimited free withdrawals, Access your savings 24/7/365, Apply online in less than 10 minutes. |
3.01% Gross /AER | Instant | £1 | Monthly | |
 |
ING Direct Savings Account New customers can enjoy a rate of 2.90% AER inc a 12 month fixed bonus of 2.36%. Max balance applies. Open in as little as 10 mins - easy access - someone new joins every 20 seconds |
2.90% AER Variable | Instant | £1 | Calculated Daily | |
 |
Halifax Online Saver Instant access, minimum deposit of £1. Access your savings 24/7/365 |
2.80% AER | Instant Access | £1 | Monthly | |
|
Halifax Reward Saver Instant access, minimum deposit of £1. Access your savings 24/7/365 |
2.50% AER | Instant Access | £1 | Monthly | |
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IF isaver An online rate of 2.49% AER. Manage your savings online. A simple product with no short term bonus or withdrawal restrictions. |
2.49% AER | Instant Access | £1 | Monthly | |
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Lloyds Bonus Saver Account Earn introductory bonus of 0.50% on your savings in the first 12 months. Minimum deposit: £5,000 / €5,000 / US$5,000. Maximum deposit: £2,000,000 / €2,000,000 / US$2,000,000. |
2.27% AER | Instant access | £1 | Paid Monthly | |
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RBS Direct Saver Save over 50K and receive 1.5%, Interests rates vary for smaller amounts |
1.5% Gross p.a. | Instant access | £1 | Calculated Daily | |
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Natwest e-Savings Offers a rewarding rate of 1.0% AER/Gross (variable) no matter how much you save. |
1.0% AER/Gross | Instant | £1 | Monthy | |
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HSBC Bank Online Bonus Saver 0.75% AER (0.75% gross) including bonus interest on savings from £1 up to £50,000 when you don't make a withdrawal. |
0.75% Gross p.a./AER | Instant | £1 | Monthly | |
