These are the top easy access savings accounts available at the moment
Easy-access savings accounts are ones where you can withdraw your money whenever you want. The rates are largely dependent on the Bank of England’s base rate — when we see a drop or rise in the rate, we tend to see savings accounts move in the same direction. Here are the best-paying ones at the moment.
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Best savings account offers
Some accounts can be boosted by special offers, we’ll share the best here
Savings Offers
Customer rating
4.9/5
- Offer1.3% fixed rate bonus for homebuyers
- AER (variable)5.5%
- Minimum£10
- Maximum£20,000
- FSCS Protected? Yes
- Bonus The rate includes a 12-month boost of 1.3%. This is paid at the end of the 12 month period if you take out a mortgage with Tembo, or, if you take a mortgage out after the 12 month period, it'll be paid after your mortgage completes. You have three years from first paying into the account to complete.
- Included features You'll also get fee-free access to Tembo's mortgage brokers
Best easy access ISAs
While ISAs don’t typically belong on this page, the top rates for ISAs at the moment are a lot better than for standard savings accounts, so here’s the top few available – if you want to see the full list, we have a whole table of the best easy-access ISAs on the market at the moment.
Easy access Cash ISAs
Customer rating
3.4/5
- AER (variable)4.44%
- Minimum£500
- AccessLimited access
- Maximum withdrawals3
- Bonus Rate includes a bonus of 0.8% for the first 12 months. The standard rate after 12 months or 3 withdrawals is 3.47%.
- FSCS Protected? Yes, although as the money is held in Qualifying Money Market Funds (QMMFs), it's covered by the FSCS investment protection, not deposit protection. QMMFs are a type of low-risk investment.
- Allows transfers in? Yes. The offer covers both new deposits and transfers of existing ISAs, as long as it’s your first deposit/transfer under this offer
- Flexible ISA Yes
- Withdrawals allowed If you make more than 3 withdrawals in a year, the rate drops to 3.49% AER
- Important details Variable rate correct as of 9 February 2025. eToro account required. Your capital is at risk. ISA powered by Moneyfarm. ISA rules. UK residents only. The Cash ISA interest rate is variable and linked to the secure and protected Qualifying Money Market Fund (QMMF) your money is held in.
Customer rating
4.9/5
- AER (variable)4.4%
- Minimum£1
- AccessFull access
- Important details Existing Trading 212 customers get a rate of 3.6%
- FSCS Protected? Yes
- Allows transfers in? Yes, but no bonus rate on transfers
- Flexible ISA Yes
- Bonus New Trading 212 customers get a bonus of 0.8% AER for 12 months for current year subscriptions
Moneybox app Cash ISA
Customer rating
5/5
- AER (variable)4.32%
- Minimum£500
- AccessLimited access
- Maximum withdrawals3
- FSCS Protected? Yes
- Bonus Rate includes 0.87% bonus for 12 months
- Allows transfers in? Yes
- Flexible ISA No
Best easy access savings accounts
These are the most flexible accounts available, but as a result, you usually get lower rates. You can add and take your money out at any time. Some accounts may have limits to the number of withdrawals you can make each year.
Easy access savings
Customer rating
5/5
- AccessFull access
- AER (variable)5%
- Minimum£1
- Maximum£3,000
- FSCS Protected? Yes
Mansfield Building Society Triple Access Bonus
Customer rating
4.6/5
- AccessLimited access
- AER (variable)4.25%
- Minimum£1
- Maximum£400,000
- FSCS Protected? Yes
- Withdrawals allowed Only three withdrawals are allowed per year.
DF Capital Easy Access Account
Customer rating
3.5/5
- AccessFull access
- AER (variable)4.2%
- Minimum£1,000
- Maximum£250,000
- FSCS Protected? Yes
Manchester Building Society Rainy Day Saver
Customer rating
4.1/5
- AccessLimited access
- AER (variable)4.15%
- Minimum£1
- Maximum£1m
- FSCS Protected? Yes
- Withdrawals allowed One withdrawal allowed each year. Lower rate paid if you make more than one withdrawal.
West Brom Building Society Four Access Saver
Customer rating
3.3/5
- AccessLimited access
- AER (variable)4.15%
- Minimum£1
- Maximum£500,000
- FSCS Protected? Yes
- Withdrawals allowed 4 per year
Virgin Money Double Take Saver
Customer rating
3.6/5
- AccessLimited access
- AER (variable)4.15%
- Minimum£1
- Maximum£250,000
- FSCS Protected? Yes
- Withdrawals allowed Two withdrawals allowed per calendar year, including closure
Nottingham Building Society Bonus Access Saver
Customer rating
4.9/5
- AccessFixed Access
- AER (variable)4.14%
- Minimum£1
- Maximum£750,000
- FSCS Protected? Yes
- Rate details Rate includes 2.44% bonus until 30 April 2027
Shawbrook Bank Bonus Easy Access Savings Account
Customer rating
4.9/5
- AccessFull access
- AER (variable)4.13%
- Minimum£1
- Maximum£85,000
- FSCS Protected? Yes
- Bonus Rate includes 1.98% bonus for 12 months
- Eligibility New Shawbrook customers only — you must not have held a savings account with Shawbrook Bank in the last 28 days
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Best current account linked easy access savings
Some of the best rates are in or linked to current accounts – or you might just want the convenience of having everything at the same bank (though that’s not always a good idea).
Anyone can open all of these accounts, though you will be credit-checked for opening the current account itself. They often have additional requirements or fees to consider. You may already have seen some of these listed in the easy and limited access lists above.
Current Account Linked Savings
Customer rating
3.8/5
- AER (variable)6%
- Interest earnedIn separate account
- Minimum£0
- Maximum£4,000
- Requirements Requires Santander Edge current account (£3 monthly fee). You can open one Edge Saver with a personal account and two Edge Savers with a joint account.
- FSCS Protected? Yes
- Bonus Includes 2.5% bonus for 12 months
Nationwide FlexDirect
Customer rating
4.3/5
- AER (variable)5%
- Interest earnedIn current account
- Minimum£0
- Maximum£1,500
- Important details Interest is earned in and paid into the main current account. After the first year the rate drops to 1%.
- FSCS Protected? Yes
Customer rating
4.9/5
- AER (variable)4.5% for 12 months
- Interest earned (in separate account or in current account)In separate account
- Minimum£0
- Maximum£3m
- FSCS Protected? Yes
Kroo Current Account
Customer rating
4.9/5
- AER (variable)2.65%
- Interest earnedIn current account
- Minimum£0
- FSCS Protected? Yes
- Interest Interest is earned in the main current account
- Rate details Rate tracks the base rate minus 1.1%
Best notice accounts
A notice account means you have to request to get your money and interest, which will be released after a set time. They often have a variable rate but if there’s a cut you’ll normally be given notice.
Notice Accounts
OakNorth 120 days notice account
Customer rating
4.9/5
- AER (variable)4.5%
- Minimum£10,000
- Maximum£500,000
GB Bank 120 days notice account
- AER (variable)4.33%
- Minimum£1,000
- Maximum£100,000
- FSCS Protected? Yes
The Stafford Building Society 180 days notice account
Customer rating
4.8/5
- AER (variable)4.26%
- Minimum£5,000
- Maximum£450,000
- FSCS Protected? Yes
- Withdrawals allowed Up to 2 withdrawals allowed per society year
Earl Shilton Building Society 180 days notice account
Customer rating
5/5
- AER (variable)4.25%
- Minimum£5,000
- Maximum£250,000
- FSCS Protected? Yes
Other top paying savings accounts
Best Fixed Rate savings accounts
If you’d prefer a higher rate in return for fixing your savings, you can go for a fixed-rate savings account, with fixes from as little as three months to five years. But you are locking your money away without access.
We’ve listed all the top fixed rate bonds in our separate tables.
The best fixed savings accounts
Check out our list of the highest paying fixed rate savings accounts.
Best Regular Savings accounts
These accounts are all “Regular” or monthly savers which work differently to normal saving accounts. Here’s Andy’s full guide to how they work.
We’ve listed the top-paying options in our separate best buy guide.
The best monthly savings accounts
Check out our list of the highest paying regular or monthly savings accounts.
Best Easy Access Cash ISAs
Though most of us don’t need the tax-free “wrapper” offered by an ISA, if you want to use one then the same goes in terms of finding the best rate.
We’ve listed the best options on our dedicated Best Cash ISA page.
The best Easy Access Cash ISA savings accounts
Check out our list of the highest paying easy access Cash ISAs
Best Fixed Rate Cash ISAs
You can also get fixed rate ISAs, and these can be accessed early – though you’ll pay an interest penalty if you do.
Find the top paying rates for each term on our dedicated Best Fixed Cash ISA page.
The best Fixed Cash ISA savings accounts
Check out our list of the highest paying fixed Cash ISAs
Prize draw accounts
Premium Bonds – 3.6% prize rate
The prize rate for Premium Bonds stands at 3.6% from the August 2025 draw onwards. This doesn’t mean you’ll get 3.5% back on your savings, though the closer you are to the £50,000 maximum deposit, the closer you’ll get to the rate (on average). Here’s more.
Best children’s savings account
We’ve written in more detail about the different savings accounts for kids, so do check that article out to understand the conditions such as access and find all the top rates.
Best ethical savings account
The money you hold in your savings is used by the banks to invest and lend money. This could mean it’s used for things you might disagree with, such as fracking, tobacco or arms manufacturing.
There are banks with ethical policies such as Triodos, while building societies must lend 75% of their funds to home buyers, meaning they don’t have the cash to invest elsewhere.
Sharia accounts can’t be used for things against Islamic law, like tobacco or gambling and I’ve listed the top ones further down the article.
The “greenest” banks are Ecology Building Society and Triodos, though they won’t always make the tables above. The following banks and building societies are more likely to appear above.
- Nationwide
- Yorkshire Building Society
- Coventry Building Society
- Leeds Building Society
- Saffron Building Society
- Tandem Bank
- Castle Community Bank (credit unions)
There’s also the NS&I Green Bond, a 3-year fixed-rate account. It’s currently paying 2.95%. Here’s our analysis.
Top Sharia savings accounts
Paying interest isn’t allowed in Islam, so a Sharia-compliant savings account instead promises a return on the money saved – an expected profit rate. Though technically this means the rate isn’t guaranteed, it’s not happened yet. They’re open to everyone, not just Muslims. Money in these accounts won’t be invested in arms, tobacco, gambling or tobacco.
Look in the tables above for banks offering an expected profit rate rather than AER. The main banks are:
