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.
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Compare the Best Easy Access Accounts - no bonus

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Freedom Savings Account
1.65%
None £100
  1. Yes
  2. No
  3. No
  4. No
Details...
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Easy Access Account Issue 10
1.65%
Instant £1000
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...  

HiSAVE SuperSaver Savings Account Issue 1
1.55%
None £1
  1. Yes
  2. No
  3. No
  4. Yes
Details...  

WeBSave Easy Saver
1.55%
None £15000
  1. Yes
  2. No
  3. No
  4. No
Details...  

Defined Access E-Saver Issue 2
1.51%
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  

Limited Edition eSaver Issue 2
1.40%
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...
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Heritage
1.40%
Instant £1000
  1. No
  2. Yes
  3. Yes
  4. No
Details...  

GE Saver Issue 8
1.30%
None £500
  1. Yes
  2. No
  3. No
  4. No
Details...  

3rd Issue Branch Saver
1.26%
Instant £500
  1. No
  2. Yes
  3. No
  4. No
Details...  

Income Bonds
1.26%
None £500
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...  
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Easy Access Issue 9
1.25%
None £1000
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...
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Instant Access Savings Issue 4
1.25%
Instant £500
  1. No
  2. Yes
  3. Yes
  4. No
Details...
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Instant Saver
0.75%
Instant £50000
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...
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RBS Instant Saver
0.75%
Instant £50000
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...
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Last Updated: Saturday 29 August 2015 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.

Disclaimer:
All rates subject to change without notice. Please check all rates and terms before investing or borrowing.
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Eligible deposits with UK institutions are protected by the Financial Services Compensation Scheme. The maximum level of protection will be reducing from £85,000 to £75,000 from 1 January 2016.

 
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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.

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