Easy Access Account - Instant Access Savings | moneyfacts.co.uk

Instant Access Savings Accounts (with bonus)

  - Compare the best instant access savings accounts. These are the top instant access savings accounts that have an introductory bonus.
Also look at:

Compare the Best Easy Access Accounts - with bonus

Compare
Up to 3 products
side by side
AER Notice / Term Minimum Investment Account Opening Search all
1551 accounts
 

1.05%
Includes a Bonus
See Details
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.01%
Inc 0.76% bonus for 12 months
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

0.96%
Includes a Bonus
See Details
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  

0.80%
Inc 0.75% bonus for 12 months
None £1000
  1. Yes
  2. No
  3. No
  4. Yes
Details...  

0.75%
Inc 0.55% bonus for 12 months
None £100
  1. Yes
  2. No
  3. No
  4. Yes
Details...  

0.75%
Includes a Bonus
See Details
None £25000
  1. Yes
  2. No
  3. No
  4. No
Details...  

0.50%
Inc 0.40% bonus for 12 months
Instant £500
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...  

0.30%
Inc 0.25% bonus for 12 months
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  

0.25%
Inc 0.20% bonus for 12 months
Instant £1
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...  

0.25%
Inc 0.20% bonus for 12 months
Instant £1
  1. Yes
  2. Yes
  3. No
  4. No
Details...  
Compare
Last Updated: Tuesday 28 February 2017 00:07

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to open an account today. Products shown with a yellow background are sponsored products.

Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme up to a maximum level of protection of £85,000 per person per institution.

Disclaimer:
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
Search All Savings Accounts >>
 
Free Brochures and Guides

Easy & instant access savings accounts (with bonus) explained

  • Some easy access savings rates include a 12-month introductory bonus
  • Watch out for withdrawal restrictions
  • Think about how you’ll want to manage you account (online, in branch, etc.)

An easy or instant access savings account is a type of account where you can get to your cash quickly if you need to make a withdrawal. However, depending on how your account is managed, the length of time it takes from requesting the withdrawal to actually having the money in your hand or bank account can vary.

Particularly where an account is managed by post, there will be a time lag because the length of time it takes for you to post in your withdrawal request, and then for the transaction to be processed. In contrast, accounts that are managed online, over the phone or in branch can give you instant or very quick access to your cash.

How to manage an account with a bonus

Some easy access savings rates benefit from an introductory bonus. While these accounts can offer higher rates, remember that the initial bonus boost is temporary, and in most cases only lasts for 12 months. This means that in order to continue getting the best rate on your savings, you’ll need to review your account again after a year. Easy and instant access accounts are available without introductory bonuses, if you’d rather not make changing accounts an annual job! Many accounts that don’t pay a bonus actually have better rates than those that do, so its worth comparing the two.

Watch out for withdrawal restrictions

Many easy and instant access savings accounts put certain restrictions on withdrawals, limiting you to a certain number of ‘free’ withdrawals in a 12-month period. After you’ve hit that limit, your interest rate may suffer if you need to access your money again.

WarningIf you think you’re going to need to make several withdrawals over a yearly period (perhaps to pay university tuition fees for instance), be sure to check the small print of the account before opening it.

What next?

Savings home
Search all easy access savings accounts
Compare instant access savings accounts (without bonus)
Savings guides

 
 
 
Top fixed bond rate highest in 10 months
Top fixed bond rate highest in 10 months

Challenger banks are causing a storm in the fixed rate bond sector, and happily, it’s the highest ra... More

Brits set to save £93.5bn in 2017
Brits set to save £93.5bn in 2017

It seems that the recent signs of improvement in the savings market could be having an impact on sav... More

Long-term fixed bond rates rise
Long-term fixed bond rates rise

The average long-term fixed bond rate has risen by 0.05% to 1.30% this month, the first time such a ... More

Top 6 inflation-beating fixed rate bonds
Top 6 inflation-beating fixed rate bonds

Inflation jumped to 1.8% in January, which means just 23 savings accounts now pay a rate that can ma... More

Britain is still a nation of savers
Britain is still a nation of savers

It hasn’t exactly been a great time to be a saver in the last few months, which is why it’s so reass... More

Sharia’a compliant savings accounts
Sharia’a compliant savings accounts

Islamic savings accounts offer a Sharia’a-compliant way of saving for Muslims living in the UK, as w... More

Depositor protection schemes if a bank goes bust
Depositor protection schemes if a bank goes bust

Find out where your bank or building society is licenced, and what deposit protection guarantees you... More

Is now the time to fix your savings rate?
Is now the time to fix your savings rate?

With some forecasters predicting interest rate cuts by November 2012, we look at the pros and cons o... More

Secure Trust launches new savings accounts
Secure Trust launches new savings accounts

Secure Trust Bank has launched a new one and three-year fixed bond, and a market-leading 90-day noti... More

Atom Bank’s fixed bonds top the charts
Atom Bank’s fixed bonds top the charts

Atom Bank has increased fixed bond rates by up to 0.50%, which has seen its one, two, three and five... More

Vanquis Bank increases 4 and 5yr bond rates
Vanquis Bank increases 4 and 5yr bond rates

Vanquis Bank has increased selected fixed bond rates by up to 0.20%. This has enabled its four-year ... More

Tiered easy access savings rates risen
Tiered easy access savings rates risen

Sainsbury’s Bank has increased selected rates by 0.05%, which has made its easy access account appea... More

Skipton’s easy access account competes
Skipton’s easy access account competes

Skipton BS has increased selected rates by up to 0.16%, which has made its easy access account compe... More

Close