Best easy access savings rates 2025
- The web's best savings tables - completely independent and unique
- Compiled by savings expert Sylvia Morris - providers cannot pay to appear
| Easy access | Fixed rates | Cash Isas | Savings platforms | Monthly income |
| Phone / postal | Junior Isas / children's | Offshore | National Savings | Premium Bonds |
| Type of account (min investment) | 0% tax | 20% tax | 40% tax | ||
|---|---|---|---|---|---|
| Accounts WITHOUT bonus - These rates are not boosted by a temporary bonus | |||||
| Atom Instant Saver Reward (1) | 4.75 | 3.80 | 2.85 | ||
| Vida Savings Defined Access 1 (£10+) (10) | 4.63 | 3.7 | 2.76 | ||
| Charter Savings Bank Easy Access 58 (£1+) | 4.59 | 3.67 | 2.75 | ||
| Oxbury Bank Easy Access Limited Edition 2 (£20.000+) | 4.58 | 3.66 | 2.75 | ||
| Chetwood Bank (£1+) | 4.52 | 3.62 | 2.71 | ||
| Buckinghamshire BS Online Single Access Saver (£10,000+)(3) | 4.51 | 3.61 | 2.71 | ||
| Kent Reliance Easy Access 80 (£1,000+) | 4.5 | 3.6 | 2.7 | ||
| Secure Trust Access 20 (£1+) | 4.45 | 3.56 | 2.67 | ||
| Close Brothers Savings (£10,000+) | 4.45 | 3.56 | 2.67 | ||
| West Bromwich BS Four Access Saver 2 (£1+)(10) | 4.40 | 3.52 | 2.64 | ||
| Ford Money Flexible Saver | 4.35 | 3.48 | 2.61 | ||
| Family BS Market Tracker Saver (£1+) | 4.32 | 3.46 | 2.59 | ||
| Scottish BS E-Saver Plus 5 (£100+) (14) | 4.31 | 3.45 | 2.59 | ||
| Aldermore Double Access 4 (£1,000+) (8) | 4.30 | 3.44 | 2.58 | ||
| Marcus by Goldman Sachs (£1+) | 4.30 | 3.44 | 2.58 | ||
| RCI Bank (£100+) | 4.25 | 3.4 | 2.55 | ||
| Investec Flexi Saver (£5.000+) | 4.2 | 3.36 | 2.52 | ||
| BONUS accounts - Pay a bonus usually for the first 12 months or more. R ates include the bonus | |||||
| Cahoot Sunny Day Saver (£1-£3,000) | 5.00 | 4.00 | 3.00 | ||
| Principality BS Online Bonus Triple Access 4 (£1+) (4) | 4.5 | 3.6 | 2.7 | ||
| Leeds BS Online Access Saver 3 (£1,000+) | 4.41 | 3.53 | 2.65 | ||
| Tandem Instant Access Saver (£1+) | 4.15 | 3.32 | 2.49 | ||
| * If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence nor will it impact the interest rate you receive | |||||
| (1) This rate applies to any month you do not make a withdrawal. In a month where you do, you earn a lower 3.25 per cent | |||||
| (3) You are limited to one withdrawal a year | |||||
| (4) You are limited to five withdrawals a year | |||||
| (5) You are limited to six withdrawals a year | |||||
| (6) You are limited to five free withdrawals a year. The bonus of 1.03 percentage points lasts for six months only | |||||
| (7) You are limited to one withdrawal each calendar month | |||||
| (8) You are limited to making two withdrawals a year | |||||
| (10) You are limited to four withdrawals a year | |||||
| (11) This rate is the 'expected profit rate' under Sharia compliant accounts. | |||||
| (16) When you make a withdrawal you must tell the bank by 1 pm if you want the money back the same day | |||||
| Type of account (min investment) | 0% tax | 20% tax | 40% tax |
|---|---|---|---|
| Accounts WITHOUT bonus - These rates are not boosted by a temporary bonus that drops off after a year | |||
| Kent Reliance Easy Access 80 (£1,000+) | 4.5 | 3.6 | 2.7 |
| Family BS Market Tracker Saver (£1+) | 4.32 | 3.46 | 2.59 |
| Scottish BS Saver Plus (£100+) (7) | 4.31 | 3.45 | 2.59 |
| Yorkshire BS Rainy Day 2 Account (£1+) (11) | 4.30 | 3.44 | 2.58 |
| Cambridge BS Your Saver (£100+) (10) | 4.1 | 3.28 | 2.46 |
| Newcastle BS Double Access Saver 4 (£1+)(2) | 4.05 | 3.24 | 2.43 |
| Coventry BS 5 Access Saver 2 (8) | 4.00 | 3.24 | 2.43 |
| Chorley BS Easy Access Saver (£500+)(2) | 3.9 | 3.04 | 2.28 |
| Nottingham BS Triple Access Saver (£1,000+) (5) | 3.9 | 3.04 | 2.28 |
| Tipton BS Double Access Saver (£1000+) (2) | 3.9 | 3.04 | 2.28 |
| The Melton Limited Access Saver (£1,000+) (5) | 3.75 | 3.00 | 2.25 |
| Leeds BS Five Access Saver 4 (£5,000+)(8) | 3.70 | 2.96 | 2.22 |
| Newbury BS welcome to Newbury (£50+) | 3.5 | 2.8 | 2.13 |
| Swansea BS Instant Access Saver (£1+) (4) | 3.5 | 2.8 | 2.13 |
| Harpenden BS Triple Access Saver (£100+) (5) | 3.4 | 2.72 | 2.04 |
| Cumberland BS Instant Savings 8 (£100+) | 3.4 | 2.72 | 2.04 |
| Newbury BS Senior Saver (£500+) (1) | 3.4 | 2.72 | 2.04 |
| Dudley BS Easy Access Saver 7 (£250+) | 3.4 | 2.72 | 2.04 |
| Scottish BS Instant Access Saver (£1+) | 3.25 | 2.6 | 1.95 |
| Bath BS Instant Access (£1+) (6) | 3.24 | 2.59 | 1.94 |
| BONUS accounts - These accounts pay a bonus for the first 12 months or more. These are the rates including the bonus: | |||
| Principality BS Branch 5 Access Bonus Saver 2 (£1+)(8) | 4 | 3.24 | 2.43 |
| (1) Only available to those age 55 or over | |||
| (2) You are limited to two withdrawals a year | |||
| (3) You are limited to making six withdrawals a year. | |||
| (4) Only available to existing customers and new applicants living in Wales | |||
| (5) You are limited to making three withdrawals a year | |||
| (6) Available to those who live, work or study in Bath | |||
| (7) You are limited to making four withdrawals a year | |||
| (8) You are limited to making five withdrawals a year | |||
| (9) You are limited to one withdrawal a year | |||
| (10) You are limited to one withdrawal each calendar month | |||
| (11) This rate is paid on the first £10,000 in the account. On balances above that you earn 3.2 per cent. You can only withdraw money on two days a year | |||
* Note: From April 2018, tax conversions will apply only to taxpayers living in England, Wales and Northern Ireland. Scottish taxpayers are subject to different income tax rates after this date.
Dear Reader,
These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.
Independent savings expert: Sylvia Morris
They are completely unbiased - we simply show the best rates around and don't do 'featured deals'.
We've gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.
In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.
But with interest rates so low, most of today's best deals have some sort of clause built in, whether that's a bonus or a restriction on withdrawals.
For that reason, we've included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.
If there is a restriction on withdrawals we have made this clear in the notes on each account.
We also ignore old-style 'notice' accounts where the bank or building society can demand you give up to six months' notice that you want to take our money out while it can change the rate at any time without warning.
All banks and building societies are registered with the Financial Conduct Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank's home country. In Europe it is €100,000).
If you have a question about the tables email sy.morris@dailymail.co.uk and editor@thisismoney.co.uk
Sylvia Morris
This is Money savings tables expert
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