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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HiSAVE Remittance Account
1.50%
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  


Select Access Saver 4
1.50%
Instant £500
  1. Yes
  2. Yes
  3. No
  4. No
Details...  


Triple Access Saver Issue 3
1.40%
Instant £100
  1. No
  2. Yes
  3. Yes
  4. No
Details...  


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


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


2nd Issue Branch Saver
1.36%
Instant £500
  1. No
  2. Yes
  3. No
  4. No
Details...  


Call Save
1.35%
None £1
  1. No
  2. No
  3. Yes
  4. No
Details...  


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


Virgin Easy Access Saver Issue 10
1.25%
Instant £1
  1. No
  2. Yes
  3. Yes
  4. Yes
Details...  


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

Direct Transfer Account 2
1.00%
None £1000
  1. No
  2. No
  3. Yes
  4. No
Details...
Proceed
 
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Last Updated: Friday 18 April 2014 19:27

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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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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