Instant Access Account - Easy Access Savings | moneyfacts.co.uk

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 1551 accounts
 

1.10%
None £100
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 

1.05%
28.02.18 £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.01%
None £1
  1. Yes
  2. No
  3. No
  4. No
Details...  

1.00%
None £500
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...  

0.90%
None £500
  1. No
  2. Yes
  3. Yes
  4. No
Details...
Go to Site
 

0.85%
None £1
  1. Yes
  2. Yes
  3. Yes
  4. Yes
Details...  

0.85%
Instant £1000
  1. No
  2. Yes
  3. Yes
  4. No
Details...  

0.85%
None £1000
  1. No
  2. No
  3. Yes
  4. Yes
Details...  

0.85%
None £15000
  1. Yes
  2. No
  3. No
  4. No
Details...  

0.85%
Instant £25000
  1. Yes
  2. Yes
  3. Yes
  4. No
Details...  
  Sponsored Products  

0.75%
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Go to Site
 
Compare
Last Updated: Tuesday 28 February 2017 00:07

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 (without bonus) explained

  • Great if you don’t want to change savings account every year
  • 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. However, although you don’t give notice, it can still 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.

Some easy & instant access savings account rates will 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. In fact the best rates are now found on accounts without a 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

 
 
 
Top fixed bond rate highest in 10 months
Top fixed bond rate highest in 10 months

Challenger banks are causing a storm in the fixed rate bond sector, and happily, it’s the highest ra... More

Brits set to save £93.5bn in 2017
Brits set to save £93.5bn in 2017

It seems that the recent signs of improvement in the savings market could be having an impact on sav... More

Long-term fixed bond rates rise
Long-term fixed bond rates rise

The average long-term fixed bond rate has risen by 0.05% to 1.30% this month, the first time such a ... More

Top 6 inflation-beating fixed rate bonds
Top 6 inflation-beating fixed rate bonds

Inflation jumped to 1.8% in January, which means just 23 savings accounts now pay a rate that can ma... More

Britain is still a nation of savers
Britain is still a nation of savers

It hasn’t exactly been a great time to be a saver in the last few months, which is why it’s so reass... 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

Secure Trust launches new savings accounts
Secure Trust launches new savings accounts

Secure Trust Bank has launched a new one and three-year fixed bond, and a market-leading 90-day noti... More

Atom Bank’s fixed bonds top the charts
Atom Bank’s fixed bonds top the charts

Atom Bank has increased fixed bond rates by up to 0.50%, which has seen its one, two, three and five... More

Vanquis Bank increases 4 and 5yr bond rates
Vanquis Bank increases 4 and 5yr bond rates

Vanquis Bank has increased selected fixed bond rates by up to 0.20%. This has enabled its four-year ... More

Tiered easy access savings rates risen
Tiered easy access savings rates risen

Sainsbury’s Bank has increased selected rates by 0.05%, which has made its easy access account appea... More

Skipton’s easy access account competes
Skipton’s easy access account competes

Skipton BS has increased selected rates by up to 0.16%, which has made its easy access account compe... More

Close