Easy Access Savings Accounts (no bonus)

  - Find the best easy access savings accounts. These are the top easy access savings accounts excluding those with an introductory bonus.
Also look at:

Compare the Best Easy Access Accounts - no bonus

Compare
Up to 3 products
side by side
AER Notice / Term Minimum Investment Account Opening Search all 1590 accounts
 


Progress
1.40%
Instant £100
  1. No
  2. Yes
  3. Yes
  4. No
Details...  


Select Access Saver 6
1.40%
Instant £500
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...  


PostSave Easy Access (2)
1.40%
None £500
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  


Premier Saver
1.35%
None £3000
  1. No
  2. No
  3. Yes
  4. Yes
Details...  


Virgin Easy Access E-Saver Issue 12
1.30%
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  

GE Saver Issue 6
1.30%
None £500
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 

eSaver Special
1.30%
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 

E-asy Access Account
1.30%
None £25000
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 


Income Bonds
1.26%
None £500
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...  


Limited Access Saver
1.25%
Instant £1
  1. Yes
  2. Yes
  3. No
  4. No
Details...  
  Sponsored Products  

Instant Access Savings Issue 4
1.25%
Instant £500
  1. No
  2. Yes
  3. Yes
  4. No
Details...
Proceed
 

Extra Saver
1.20%
None £1
  1. Yes
  2. No
  3. No
  4. Yes
Details...
Proceed
 

WeBSaveR 2
1.20%
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 

Direct Transfer Account 2
1.00%
None £1000
  1. No
  2. No
  3. Yes
  4. No
Details...
Proceed
 
Compare
Last Updated: Saturday 26 July 2014 09:06

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.

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

Easy & instant access savings accounts (without bonus) explained

  • Great if you don’t want to change savings account every year
  • Best rates are usually lower than accounts that have a bonus
  • How quickly will you need access to your money? Will you need it instantly, or could you wait a week?

Easy and instant access savings accounts allow you to make a withdrawal without having to give any prior notice. Although you don’t give notice, it can take a little while for you to get hold of your money depending on how your account is operated (particularly if your account can only be operated by post).

When choosing an easy access account to deposit your savings, think about how quickly you’d need to get at your cash. If it’s an emergency pot for instance, you might want an account that offers online, telephone and/or branch access so that you can draw on your money within a matter of hours. In contrast, if it’s for a more tangible goal, such as paying the balance on your summer holiday, a postal account might be fine.

The best easy & instant access savings account rates will normally rely on an introductory bonus to bolster their rate. While this can be a great way for active savers to maximise the returns on their nest eggs, it can sting those who would prefer a longer term relationship with their savings account.

Bonuses only tend to last 12 months, and then the interest rate drops. This can leave those who are not keeping a close eye on their account with a rate as low as 0.10%. Some banks and building societies offer easy access accounts that pay solid rates of interest, without a temporary bonus. This can be a great option for those who want a decent rate of interest, but who don’t want to have to change their savings account in a year’s time.

Warning An instant access savings account has a variable interest rate. That means that even if your account doesn’t have a bonus, the interest rate could still go down. So it’s still best to keep a regular eye on rate and review your account as necessary.

What next?

Savings home
Search all easy access savings accounts
Compare instant access savings accounts (with bonus)

Savings guides

Advertisements:

Holidays or the home – what do your savings go on?
Holidays or the home – what do your savings go on?

We all know the value of savings, but people can often have different priorities when it comes to th... More

6 of the best three-year fixed rate bonds
6 of the best three-year fixed rate bonds

Fixed rate bonds are the best, and often only, way to secure a decent return from your money. Thanks... More

Is the cost of your holiday taking its toll?
Is the cost of your holiday taking its toll?

It’s the time of year when we all dream of jetting off on a well-earned holiday, but sometimes there... More

72 savings accounts now beat inflation
72 savings accounts now beat inflation

The latest official inflation figures, released this morning, show that the Consumer Prices Index (C... More

Audio: Regulator unhappy with savings market
Audio: Regulator unhappy with savings market

Earlier this week, Britain’s financial regulator the FCA published the initial findings of a probe i... More

Islamic Sharia’a compliant savings accounts
Islamic 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

Savings accounts for over 50s
Savings accounts for over 50s

Savings accounts for the over 50s can offer a better rate, but not always. Make sure you always comp... More

Leeds BS’ 4% bond
Leeds BS’ 4% bond

Leeds Building Society has re-launched its 10-year fixed rate bond paying an impressive 4.00% gross ... More

Teachers BS launches new best buy account
Teachers BS launches new best buy account

Teachers Building Society has extended its range of variable rate products by launching a brand new ... More

Top one-year ISA from Britannia
Top one-year ISA from Britannia

Britannia has reviewed its savings range by changing issue numbers and amending rates, but its one-y... More

Marsden BS unveils online notice account
Marsden BS unveils online notice account

Marsden BS has entered the online notice account market with the launch of this 95-day notice accoun... More

Investec improves fixed rate bonds
Investec improves fixed rate bonds

Investec Bank has increased the rates on its short to medium-term fixed rate bonds, reaffirming its ... More