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 1662 accounts
 

Freedom Savings Account
1.65%
None £100
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

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

Limited Edition Easy Access (Issue 2)
1.46%
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  

Online Easy Access Account Issue 1
1.45%
None £1000
  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...  

HiSAVE SuperSaver Savings Account
1.40%
None £1
  1. Yes
  2. No
  3. No
  4. Yes
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...  

Online Easy Save
1.26%
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  
  Sponsored Products  

Easy Access Issue 9
1.25%
None £1000
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...
Go to Site
 

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

Instant Saver
0.75%
Instant £50000
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...
Go to Site
 

RBS Instant Saver
0.75%
Instant £50000
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...
Go to Site
 
Compare
Last Updated: Sunday 2 August 2015 00:23

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 >>
 

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.

 
Free Brochures and Guides

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

 
 
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

Regular savings accounts to the rescue!
Regular savings accounts to the rescue!

Think one-year bonds or easy access accounts are the only options if you’ve got a short-term savings... More

Switching savings accounts set to become easier
Switching savings accounts set to become easier

When was the last time you changed savings account? For many, it won’t be recent, be it through misp... More

6 of the best long-term bonds
6 of the best long-term bonds

Fixed rate bonds can be one of the best ways to secure a decent return from your money, but if you r... More

Growing competition = rising savings rates!
Growing competition = rising savings rates!

Savers, we have some good news – average rates across the fixed savings market have ALL increased fo... 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

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

Easy access deal gets a rate hike
Easy access deal gets a rate hike

Skipton Building Society has increased the rate of its easy access account by 0.15%, enabling it to ... More

1-yr bond holds on to the top 10
1-yr bond holds on to the top 10

Paragon Bank has reduced the rate paid by its one-year fixed bond, but despite this, it has retained... More

Easy access deal moves near the top
Easy access deal moves near the top

Post Office Money has given its easy access deal a helping hand up the Moneyfacts charts with a rate... More

1 & 2-yr bonds make their mark
1 & 2-yr bonds make their mark

RCI Bank UK has unleashed two highly competitive fixed rate bonds onto the market, both of which hav... More

Regular saver stays in the charts
Regular saver stays in the charts

Furness Building Society has reduced selected variable savings rates, but despite this, its regular ... More

Close