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.
For homebuyers
Raisin up to £150 offer
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.
Full access
Short term bonus
Cash ISA
Cash ISA
Limited access
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Plus, new Quidco customers get a top paying £20 welcome offer
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.
Interest earned in seperate savings account
Interest earned in current account
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.
Six month notice
Four month notice
Three month notice
Two month notice
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:
