Top-Rated Easy Access Savings Accounts

Updated: 30th July 2021

Easy access savings accounts offer the great combination of higher interest than most current accounts and (you guessed it!) easy access to your money. These accounts can be a great way to earn interest on your money while not overly restricting your access.


Offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

Great for: saving what you can afford through use of AI.

5 stars question mark
  • Interest Rate (AER):

    1.25%*
  • Account Type:

    Easy Access (app-based)
  • Account Minimum:

    £0
  • Account Maximum:

    No maximum

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Free trial of ChipAI on autosaves up to £100.
  • ChipAI plan is £1.50 every 28 days, or the ChipLite plan is free.
  • Automatically calculates how much you can afford to set aside.
  • App is available for iPhone and Android devices.
  • *Unless you invite a friend and secure the 1.25% on offer with Chip+, standard account holders currently earn 0% on their savings due to the previous offer of 0.3% now being at capacity.

what we like

  • Calculates auto-saves based on your spending habits
  • Quick and easy to set up
  • Encourages savings goals

WHAT YOU NEED TO KNOW

  • Free trial of ChipAI on autosaves up to £100.
  • ChipAI plan is £1.50 every 28 days, or the ChipLite plan is free.
  • Automatically calculates how much you can afford to set aside.
  • App is available for iPhone and Android devices.
  • *Unless you invite a friend and secure the 1.25% on offer with Chip+, standard account holders currently earn 0% on their savings due to the previous offer of 0.3% now being at capacity.

DISCLAIMER

Great for: Earning interest with flexible access

4.5 stars question mark
Ford Money logo
  • Interest Rate (AER):

    0.55%
  • Account Type:

    Easy Access
  • Account Minimum:

    £1
  • Account Maximum:

    £2,000,000

WHAT YOU NEED TO KNOW

  • Minimum deposit £1
  • Maximum account balance £2,000,000
  • Variable interest rate
  • Unlimited withdrawals -- take money out whenever you need it
  • Monthly or annual interest payments
  • You can open multiple accounts
  • Can be opened as a single or joint account

what we like

  • Competitive interest rate
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds

WHAT YOU NEED TO KNOW

  • Minimum deposit £1
  • Maximum account balance £2,000,000
  • Variable interest rate
  • Unlimited withdrawals -- take money out whenever you need it
  • Monthly or annual interest payments
  • You can open multiple accounts
  • Can be opened as a single or joint account

DISCLAIMER

Great for: Earning interest with flexible access

4.5 stars question mark
Marcus by Goldman Sachs
  • Interest Rate (AER):

    0.50%
  • Account Type:

    Easy Access
  • Account Minimum:

    £1

WHAT YOU NEED TO KNOW

  • Competitive interest rate
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds
  • A joint account holder can also transfer money to and from account

what we like

  • Competitive interest rate
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds

WHAT YOU NEED TO KNOW

  • Competitive interest rate
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds
  • A joint account holder can also transfer money to and from account

DISCLAIMER

Great for: building savings using small unnoticeable amounts via an app.

4.5 stars question mark
  • Interest Rate (AER):

    0.40%
  • Account Type:

    Easy Access (app-based, up to 0.20% AER available on the free plan)
  • Account Minimum:

    £0
  • Account Maximum:

    No maximum

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Easy Access Account available on Plus (£1 per month) and Pro (£2.99 per month) plans only.
  • Calculates how much you can afford to set aside.
  • App is available for iPhone and Android devices.

what we like

  • Help for savers
  • Rounding up to save pennies
  • Savings in the palm of your hand

WHAT YOU NEED TO KNOW

  • Easy Access Account available on Plus (£1 per month) and Pro (£2.99 per month) plans only.
  • Calculates how much you can afford to set aside.
  • App is available for iPhone and Android devices.

DISCLAIMER

Great for: Earning interest with flexible access

4.5 stars question mark
Saga logo
  • Interest Rate (AER):

    0.50%
  • Account Type:

    Easy Access
  • Account Minimum:

    £1
  • Account Maximum:

    £100,000

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Bonus 0.15% rate for the first 12 months
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds

what we like

  • Bonus 0.15% rate for the first 12 months
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds

WHAT YOU NEED TO KNOW

  • Bonus 0.15% rate for the first 12 months
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds

DISCLAIMER

Great for: Earning interest with flexible access

4 stars question mark
Aldermore logo
  • Interest Rate (AER):

    0.30%
  • Account Type:

    Easy Access
  • Account Minimum:

    £1,000
  • Account Maximum:

    £1,000,000

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Quick and easy online setup
  • Competitive interest rate
  • Unlimited withdrawals – take money out whenever you need it

what we like

  • Quick and easy online setup
  • Competitive interest rate
  • Unlimited withdrawals – take money out whenever you need it

WHAT YOU NEED TO KNOW

  • Quick and easy online setup
  • Competitive interest rate
  • Unlimited withdrawals – take money out whenever you need it

DISCLAIMER

Great for: Earning interest with flexible access

3.5 stars question mark
Investec logo
  • Interest Rate (AER):

    0.45%
  • Account Type:

    Easy Access
  • Account Minimum:

    £5,000
  • Account Maximum:

    £250,000

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Easy to manage online. Deposit and withdraw money instantly, whenever it suits you.
  • No account fees. No hidden charges. No interest rate penalties.
  • Has savings calculator - calculates how much you can afford to set aside.

what we like

  • Apply and manage online
  • Flexible account that allows easy access to your funds
  • Withdraw money, without hidden charges or penalties

WHAT YOU NEED TO KNOW

  • Easy to manage online. Deposit and withdraw money instantly, whenever it suits you.
  • No account fees. No hidden charges. No interest rate penalties.
  • Has savings calculator - calculates how much you can afford to set aside.

DISCLAIMER

Great for: Earning interest with flexible access

3.5 stars question mark
Paragon logo
  • Interest Rate (AER):

    0.25%
  • Account Type:

    Easy Access
  • Account Minimum:

    £1
  • Account Maximum:

    £500,000

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Apply and manage online
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds

what we like

  • Apply and manage online
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds

WHAT YOU NEED TO KNOW

  • Apply and manage online
  • Start saving with as little as £1
  • Flexible account that allows easy access to your funds

DISCLAIMER

Great for: Flexible access while earning interest

3.5 stars question mark
RCI Bank logo
  • Interest Rate (AER):

    0.40%
  • Account Type:

    Easy Access
  • Account Minimum:

    £100
  • Account Maximum:

    £1,000,000

Account protected by the FSCS up to £85,000

WHAT YOU NEED TO KNOW

  • Competitive interest rate
  • Start saving from £100
  • Flexible account that allows easy access to your funds

what we like

  • Competitive interest rate
  • Start saving from £100
  • Flexible account that allows easy access to your funds

WHAT YOU NEED TO KNOW

  • Competitive interest rate
  • Start saving from £100
  • Flexible account that allows easy access to your funds

DISCLAIMER



Frequently Asked Questions

What is an easy access ISA?

An easy access ISA is a type of cash ISA that allows savers easy access to their cash. It is a savings account where the interest you earn on your savings is not taxed. You can typically make as many deposits as you want. Withdrawals and transfers are usually allowed without penalty, although this depends on the account. Interest rates with an easy access ISA tend to be lower than those of a fixed rate ISA or notice ISA.

Are easy access ISA rates always variable?

Easy access ISA rates are usually variable. They can go up or down at any time. You may also find that the headline interest rate includes an introductory bonus, which will expire after 12 months.

Can you move an easy access ISA to another ISA?

Yes, you can move an easy access ISA to another type of ISA. You can transfer your ISA from one provider to another at any time. And you are able to transfer your savings to a different type of ISA or the same type of ISA.

However, if you want to transfer money you’ve invested in an ISA during the current year, you must transfer all of it. This is because you are only allowed to pay into one cash ISA during the current tax year.