Best easy access savings rates 2024

  • The web's best savings tables - completely independent and unique
  • Compiled by savings expert Sylvia Morris  - providers cannot pay to appear

By THIS IS MONEY

Updated:


 ONLINE ACCOUNTS - EASY ACCESS
Type of account (min investment)  0% tax 20% tax  40% tax
Accounts WITHOUT bonus - These rates are not boosted by a temporary bonus 
Atom Instant Saver Reward  4.85 3.88  2.91 
Monument Bank (£25,000+)  4.813.85 2.89
Penrith BS Limited Access E-Saver 1 (£1+)(4)  4.71 3.77  2.83 
Close Brothers Easy Access 5 (£10,000+)   4.70 3.76  2.82 
Family BS Market Tracker Saver (£500+)  4.653.72 2.79
Secure Trust Access Access 19 (£1+)  4.65 3.72  2.79 
Vanquis Banking Easy Access 4 (£1,000+)  4.65 3.72  2.79 
Chetwood Bank (£1+)  4.61 3.69  2.77 
Gatehouse Easy Access (£1+)  4.6 3.68  2.76 
Investec Flexi Saver (£5.000+)  4.6 3.68  2.76 
Co-op Bank Select Saver 3 (£1+)(7)  4.59 3.67  2.75 
Aldermore Double Access 3 (£1,000+) (8)  4.553.64 2.73
Scottish BS E-Saver Plus 3 (£100+) (14)  4.513.61 2.71 
Oaknorth Bank Limited Edition Easy Access (£20,000+)  4.5 3.8  2.7 
Ford Money Flexible Saver (£1+)  4.5 3.8  2.7 
RCI Bank Freedom Savings (£100+)   4.45 3.56  2.67
Kent Reliance Easy Access 75 (£1,000+)  4.35 3.48  2.61 
Yorkshire BS Easy Access Saver 2 (£1+)   4.353.48 2.61 
Charter Savings Bank Easy Access 55 (£1+)  4.313.45 2.59 
Shawbrook Bank Easy Access (£1,000+)  4.15 3.32  2.49 
      
BONUS accounts - Pay a bonus for the first 12 months or more. R ates include the bonus 
Cahoot Sunny Saver (£1-£3,000)  5.004.00 3.00
Chip (£1+)(6) (14)  4.53.6  2.7
Principality BS Online Bonus Triple Access 4 (£1+) (6)  4.73.76 2.82
Leeds BS Limited Issue Online Access 65 (£1,000+)  4.67 3.74  2.8 
Co-op Bank Select Saver 3 (£1+)(10)  4.59 3.67  2.75 
Cynergy Bank Online Easy Access 82 (£1+)(2)  4.553.64 2.73
Beehive Bonus Access Saver Access 7 (£1,000+)  4.5 3.8  2.7 
Tandem Instant Access Saver (£1+) (15) 4.43.52 2.64
* If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect our editorial independence nor will it impact the interest rate you receive
(1) This rate applies to any month you do not make a withdrawal. In a month where you do, you earn a lower 3.25 per cent
(3) You are limited to one withdrawal a year 
(4) You are limited to five withdrawals a year
(5) You are limited to six withdrawals a year
(6) You are limited to three withdrawals a year   
(7) You are limited to one withdrawal each calendar month  
(8) You are limited to making two withdrawals a year   
(9) Society pays an additional 0.1 per cent to an environmental charity    
(11) This rate is the 'expected profit rate' under Sharia compliant accounts.   
(12)  This rate is paid on the first £10,000 in the account. On balances above that you earn 3.90 per cent. You can only withdraw money on two days a year  
(14) You are limited to three free withdrawals a year   
(15) Available through banking app only. Includes a 0.25 point bonus payable for a year. Existing customers need to ask to have the bonus added  
(16) When you make a withdrawal you must tell the bank by 1 pm if you want the money back the same day   
BRANCH-BASED ACCOUNTS - INSTANT ACCESS 
Type of account (min investment) 0% tax 20% tax 40% tax
Accounts WITHOUT bonus - These rates are not boosted by a temporary bonus that drops off after a year   
Family BS Market Tracker Saver (£500+) 4.653.722.79
Scottish BS Saver Plus (£100+) (13) 4.513.612.71
Cambridge BS Your Saver (£100+) (10)4.43.522.64
Yorkshire BS Rainy Day 2 Account (£1+) (11)  4.353.482.61
Chorley BS Easy Access Saver (£500+)(2) 4.253.48 2.61
Kent Reliance Easy Access 75 (£1,000+) 4.35 3.482.61
Tipton BS Double Access Saver (£1,000+)(2) 4.35 3.48 2.61 
Newcastle BS Double Access Saver 3 (£1+)(2) 4.253.42.55
The Melton Limited Access Saver (£1,000+) (5) 4.25 3.4 2.55 
Tipton BS Double Access Saver (£100+) (2)4.15 3.32 2.49 
Monmouthshire BS Limited Access Saver 3 (£1+) (5)4.05 3.242.43
Dudley BS Easy Access Saver 7 (£250+)  4.00 3.24 2.43 
Newbury BS welcome to Newbury (£50+)  4.00 3.22.4
Swansea BS Instant Access Saver (£1+)  (4)4.003.22.4 
Harpenden BS Triple Access Saver (£100+) (5)  3.9 3.122.34
Leeds BS Five Access Saver 2 (£5,000+)(8) 3.853.05 2.31
Newbury BS Senior Saver (£500+) (1) 3.83.042.28 
Nottingham BS Triple Access Saver (£1,000+) (5) 3.9 3.04 2.28 
Buckinghamshire BS Triple Access Saver (£100+)(5) 3.753.002.25
Cumberland BS Instant Savings 8 (£100+)3.653.922.19
Bath BS Instant Access (£1+) (6) 3.642.912.18
Marsden BS Branch Saver 14 (£25+) 3.55 2.842.13 
Scottish BS Instant Access Saver (£1+) 3.52.82.1
    
BONUS accounts - These accounts pay a bonus for the first 12 months or more. These are the rates including the bonus: 
Principality BS Branch 5 Access Bonus Saver 2 (£1+)(8) 4.23.362.52 
(1) Only available to those age 55 or over
(2) You are limited to two withdrawals a year 
(3) You are limited to making six withdrawals a year. 
(4) Only available to existing customers and new applicants living in Wales 
(5) You are limited to making three withdrawals a year  
(6) Available to those who live, work or study in Bath 
(7) The rate of interest is guaranteed to track 0.35 percentage points below the Bank of England base rate for 12 months  
(8) You are limited to making five withdrawals a year  
(10) You are limited to one withdrawal each calendar month   
 (11) This rate is paid on the first £10,000 in the account. On balances above that you earn 3.45 per cent. You can only withdraw money on two days a year 
(12) You are limited to one withdrawal a year  
(13) You are limited to four withdrawals a year  

* Note: From April 2018, tax conversions will apply only to taxpayers living in England, Wales and Northern Ireland. Scottish taxpayers are subject to different income tax rates after this date.

Savings accounts

 Dear Reader,

These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.  

Independent savings expert: Sylvia Morris

Independent savings expert: Sylvia Morris

They are completely unbiased - we simply show the best rates around and don't do 'featured deals'.

We've gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.

In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.

But with interest rates so low, most of today's best deals have some sort of clause built in, whether that's a bonus or a restriction on withdrawals.

For that reason, we've included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.

If there is a restriction on withdrawals we have made this clear in the notes on each account.

We also ignore old-style 'notice' accounts where the bank or building society can demand you give up to six months' notice that you want to take our money out while it can change the rate at any time without warning.

All banks and building societies are registered with the Financial Conduct Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £85,000) or via its passport scheme (where the compensation limit depends on the bank's home country. In Europe it is €100,000).

If you have a question about the tables email [email protected] and [email protected]

Sylvia Morris

This is Money savings tables expert

Some links in this article may be affiliate links. If you click on them we may earn a small commission. That helps us fund This Is Money, and keep it free to use. We do not write articles to promote products. We do not allow any commercial relationship to affect our editorial independence.

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