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 1569 accounts
 


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


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


Select Access Saver 6
1.40%
Instant £500
  1. Yes
  2. Yes
  3. No
  4. Yes
Details...  


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

Online Easy Access
1.40%
None £500
  1. No
  2. Yes
  3. No
  4. No
Details...
Proceed
 

WeBSaveR Limited Access Account
1.40%
None £1000
  1. Yes
  2. No
  3. No
  4. No
Details...
Proceed
 

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


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

Extra Saver
1.20%
None £1
  1. Yes
  2. No
  3. No
  4. Yes
Details...
Proceed
 

WeBSaveR 2
1.20%
None £1000
  1. Yes
  2. No
  3. No
  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: Wednesday 27 August 2014 19:28

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:

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

How to get the best returns from your savings
How to get the best returns from your savings

Getting a decent return from your savings takes more than putting money in the first account you com... More

52,000 Premium Bond prizes added
52,000 Premium Bond prizes added

With savings rates still tending to frustrate rather than elate, savers have increasingly been looki... More

6 of the best notice savings accounts
6 of the best notice savings accounts

If you’re looking to secure the best rate on your savings, you generally have one of two options – t... More

Are your savings stagnating? Don’t let them!
Are your savings stagnating? Don’t let them!

There’s nothing worse than squirreling away your hard-earned cash into a savings account, only to fi... 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

Five-year bond from Tesco enters the top 10
Five-year bond from Tesco enters the top 10

Tesco Bank has reviewed its saving rates and boosted them by up to 0.10%. Its instant access cash IS... More

Vanquis Bank scores market-leading rate
Vanquis Bank scores market-leading rate

Vanquis Bank has upped the rates on its four and five-year fixed accounts by 0.05%. This has propell... More

Investec Bank PLC’s saving account tops charts
Investec Bank PLC’s saving account tops charts

Investec Bank PLC has increased the rate on its two-year fixed rate account by 0.05%, causing it to ... More

New saving bonds and ISAs from Chelsea BS
New saving bonds and ISAs from Chelsea BS

Chelsea Building Society has unveiled four new saving accounts, two of which boast the top rates for... More

Yorkshire launches new saving accounts
Yorkshire launches new saving accounts

Yorkshire Building Society has created three one-year saving accounts, one of which has proven itsel... More