Easy-access savings accounts are a good option for savers who want minimal restrictions on their cash, allowing them to dip in and out of their savings as they like.
Currently, the top easy-access rate is 4.8% AER from Chip. If you want to lock in rates before they drop, you can opt for a one-year fixed savings account.
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All the banks featured here are protected by the Financial Services Compensation Scheme (FSCS), meaning up to £85,000 of your savings are protected should a bank or financial firm go bust.
Best easy-access savings accounts
Chase Saver With Boosted Rate – 4.75% AER
You can earn a 4.75% boosted rate within your first 31 days of opening a Chase saver. It includes an extra 2.25% AER boost for 12 months on top of the standard variable rate.
There is no minimum deposit requirement, and you can go up to £3 million. This offer is only available to new customers who joined after 9 June 2025. Interest is paid monthly, and the account can be opened online.
Revolut Instant Access Savings - Ultra - 4.5% AER
With Revolut’s variable savings account, you can earn 4.5% on your cash. There is no minimum deposit requirement and you can save up to £200,000.
However, it’s worth noting that you can only get this rate with Revolut’s Ultra plan, which costs £45 per month. Plus, ClearBank powers Revolut’s savings account, so customers are still eligible for FSCS protection for up to £85,000 of their savings via ClearBank Limited.
Interest is paid daily. The account can be opened through the Revolut app.
Sidekick Multi Shield – 4.48% AER
This saver can be opened online with a minimum balance of £10,000. The interest rate is 4.48% (variable) and includes a 1% bonus for six months on your first £85,000.
It's worth noting that Sidekick partners with UK-regulated banks to provide its savings products.
The rate is also a blended rate, which means that your first £85,000 is deposited at a higher rate partner bank, the second £85,000 at the next highest rate bank, and so forth.
Since the above deal lets you allocate your funds across multiple banks, it is eligible for FSCS protection of up to £255,000. It is operated by Bondsmith.
Principality Building Society Online Bonus Triple Access – 4.45% AER
Starting with an investment of just £1, this easy-access saver allows you to save up to a maximum of £1 million at 4.45% interest. This rate includes a 1.7% (variable) bonus for the first 12 months.
You can withdraw money from this account three times a year without affecting the interest rate. The account can be opened online.
Cahoot Simple Saver – 4.4% AER
Open this easy access saver with just £1 and save a maximum deposit of £2 million. But note, you can only earn the variable ate on balances up to £500,000.
You can open this account online. Interest is paid at maturity.
Oxbury Bank Easy Access Bonus Base Rate Tracker 1 – 4.36% AER
With Oxbury’s easy access account, you can save anywhere between £1,000 and £500,000. It includes a bonus rate of 0.8% until 18 October 2025.
Only £85,000 of your funds are eligible for FSCS protection. You can make same-day withdrawals provided that you do it before 1pm on a working day. You can open this saver online, and interest is paid at maturity.
Snoop Easy Access Savings Account – 4.35% AER
With this variable savings account, you can start saving from just £1 and go up to £85,000. You can get your money on the same working day if you make a request before 11am. There are no restrictions on withdrawal.
It's worth noting that Snoop is not a bank, and your money will instead be held with Vanquis Bank Limited. However, your savings will be FSCS protected.
Interest is calculated and paid daily, and you can open the account online.
Harpenden BS Online Instant Access – 4.31% AER
This online access saver lets you deposit anywhere between £100 to £250,000. You must do this within 14 calendar days of opening the account and by bank transfer.
Interest is paid annually on 31 December. You can open this account online.
Charter Savings Bank Easy Access – 4.26% AER
Open this account with £1 and save up to £1 million, but keep in mind that only £85,000 of your deposit will be protected by the FSCS.
Interest is paid annually on maturity and you can open the saver online.
Secure Trust Bank Access Account – 4.2% AER
You can open this account with just £1. Each subsequent deposit must be at least £1. You can save a total balance of £250,000.
There are no restrictions on accessing your money - you can withdraw your cash without notice. The account must be opened online, but can be managed either by phone or using internet banking
Teachers BS Double Access Savings for Teachers – 4.2% AER
This account is restricted to teachers (including those retired) and other education professionals.
With this Teachers limited access saver, you can make up to two penalty-free withdrawals per calendar year. If you go over the limit, your rate will drop to 1.25%.
You can save anywhere between £100 and £100,000, and the account can be opened online or via post. Customers can manage their savings online or over the phone. Interest is paid annually.
How do easy-access accounts work?
Easy-access savings accounts let you flexibly save your cash, by making as many withdrawals as you like without incurring a penalty.
You will earn a variable interest rate, which means that the provider can increase or decrease the rate on your savings account as they choose, which is usually the case when the Bank of England cuts the base rate.
If a market-leading account that you opened a few months ago is not offering a good rate anymore, it's worth shopping around regularly to ensure your savings are working as hard as possible.
When can I withdraw money with easy-access accounts?
Traditionally, easy-access accounts should give you unlimited and flexible access to your savings.
However, there is now a trend for savings accounts to restrict the number of withdrawals – while still calling the account "easy-access". If you breach the limits, the penalty is normally a loss of interest, or falling onto a lower interest rate.
It means you'll need to look carefully at any restrictions on withdrawals (which could limit the frequency or the amount you take out) before opening an easy-access account.
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