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
1634 accounts
 

1.11%
Inc 0.51% bonus for 12 months
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.10%
Inc 0.50% bonus for 12 months
Instant £100
  1. No
  2. Yes
  3. Yes
  4. No
Details...  

1.06%
Includes a Bonus
See Details
None £1
  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
 

1.01%
Inc 0.81% bonus for 12 months
None £100
  1. Yes
  2. No
  3. No
  4. Yes
Details...
Go to Site
 

0.50%
Inc 0.40% bonus for 12 months
Instant £500
  1. No
  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. No
Details...  

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

0.15%
Includes a Bonus
See Details
None £1
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...  
Compare
Last Updated: Sunday 25 June 2017 09:02

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

 
 
6 of the best regular savings accounts
6 of the best regular savings accounts

We know it can be difficult to get into the habit of saving. Other spending can easily get in the wa... More

For the best regular saver, switch current account
For the best regular saver, switch current account

Savings rates are still nothing to write home about, with inflation likely to wipe out any real retu... More

All non-ISA rates are on the up
All non-ISA rates are on the up

Last week’s inflation rise may have caused some savers to throw in the towel, but Moneyfacts Savings... More

Savings rates rise, but still don't beat inflation
Savings rates rise, but still don't beat inflation

Inflation has risen yet again, with CPI standing at 2.9% in May, up from 2.7% in April. The slight s... More

6 of the best monthly interest savings accounts
6 of the best monthly interest savings accounts

Monthly interest savings accounts pay interest on your savings each month – as opposed to yearly – a... 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

Yorkshire’s highly competitive easy access saver
Yorkshire’s highly competitive easy access saver

Yorkshire BS has relaunched its easy access saver, now paying a near market-leading rate, which has ... More

Charter’s notice account still competes
Charter’s notice account still competes

Charter Savings Bank has reduced the rate on its notice savings account by 0.09%, but despite this, ... More

Masthaven improves fixed bond rates
Masthaven improves fixed bond rates

Masthaven Bank has increased rates on selected fixed bonds by up to 0.10%, which sees its 18-month, ... More

Wesleyan improves 3yr bond
Wesleyan improves 3yr bond

Wesleyan Bank has increased selected rates by up to 0.34%, which sees its three-year deal maintain i... More

Secure Trust’s new 1yr fixed bond competes
Secure Trust’s new 1yr fixed bond competes

Secure Trust Bank has launched a new one-year fixed rate bond, which is competitive enough to enter ... More

Close