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.
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Compare the Best Easy Access Accounts - with bonus

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1581 accounts
 


Online Saver Issue 12
1.40%
Inc 0.65% bonus for 12 months
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  


Internet Saver
1.40%
Includes a BonusSee Details
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  


Internet Extra (Issue 16)
1.40%
Inc 0.90% bonus for 12 months
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  


BM Online Extra (Issue 13)
1.35%
Inc 0.85% bonus for 12 months
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  


Telephone Saver (Issue 16)
1.35%
Inc 0.85% bonus for 12 months
None £1000
  1. No
  2. No
  3. No
  4. Yes
Details...  


Instant Saver Issue 5
1.00%
Inc 0.90% bonus for 12 months
Instant £500
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  


Online Saver
0.95%
Includes a BonusSee Details
None £20000
  1. Yes
  2. No
  3. No
  4. No
Details...  


Everyday Saver
0.75%
Inc 0.50% bonus for 12 months
Instant £1
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...  


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


Internet Saver
0.75%
Inc 0.55% bonus for 12 months
None £1
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...  
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Direct Transfer Account 2
0.75%
None £1000
  1. No
  2. No
  3. Yes
  4. No
Details...
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Last Updated: Thursday 18 December 2014 10:27

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Easy & instant access savings accounts (with bonus) explained

  • Top easy access savings rates tend to 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…

The best easy access savings rates usually benefit from an introductory bonus. While these accounts tend to offer higher rates, remember that the initial bonus boost is temporary, and in most cases only lasts 12 months. That 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!

Watch out for withdrawal restrictions…

Some 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 this 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.

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