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 1582 accounts
 


Branch Easy Access Savings Issue 1
1.50%
Instant £1000
  1. No
  2. Yes
  3. No
  4. No
Details...  


Limited Access Saver
1.40%
Instant £1
  1. No
  2. Yes
  3. No
  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...  


eSaver Special
1.35%
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...  


Postal Savings (1st issue)
1.35%
None £1000
  1. No
  2. No
  3. Yes
  4. No
Details...  


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

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

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

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
 

Easy Access Issue 9
1.00%
None £1000
  1. Yes
  2. No
  3. Yes
  4. Yes
Details...
Proceed
 
Compare
Last Updated: Friday 19 September 2014 00:22

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:

223 savings accounts now beat inflation
223 savings accounts now beat inflation

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

Spend or save?
Spend or save?

If you were lucky enough to get an unexpected cash windfall, would you save it or spend it? Well, if... 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

Savers leave it late to boost pot
Savers leave it late to boost pot

We’re constantly being reminded of the importance of building up retirement savings from as early as... More

170 savings accounts now beat inflation
170 savings accounts now beat inflation

The latest official inflation figures show that the Consumer Prices Index (CPI) fell to 1.6% in July... 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

6-month Sapphire Account holds onto chart place
6-month Sapphire Account holds onto chart place

A saving review from Raphaels Bank has led to a slight reduction in rates, but the six-month notice ... More

2-year bond from United Trust Bank stays in top 10
2-year bond from United Trust Bank stays in top 10

United Trust Bank has reviewed its savings portfolio and, despite slight reduction in rate, the two-... More

West Brom BS launches new saving account
West Brom BS launches new saving account

West Brom Building Society has unveiled a brand new no notice saving account, which has stormed stra... More

New Nottingham BS bond secures top 10 place
New Nottingham BS bond secures top 10 place

Nottingham Building Society has added a new 14-month bond to its savings offerings and has grabbed a... More

Post Office revamps its saving offerings
Post Office revamps its saving offerings

The Post Office has refreshed its saving bonds portfolio by increasing some rates by up to 0.20%. Th... More