Easy Access
Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict |
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1.31% | £2,500 / No Maximum | Branch | Branch |
| This account pays expected profit, rather than interest, to meet Sharia law requirements. |
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1.25% | £1,000 / £1,000,000 | Branch | Branch |
| This account is limited to up two withdrawals within an anniversary year. If three or more withdrawals are made in the year, the rate reduces to 0.10% from the date of the third withdrawal. The interest rate resets to the higher rate at the next anniversary. Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here |
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1.10% | £1,000 / £85,000 | Branch | Branch |
| Founded in 1810, Brown Shipley is a UK authorised private bank with over 200 years of experience, and is regulated by both the PRA and FCA. It is headquartered in London with offices in seven other UK cities, offering fully integrated wealth planning, investment management and banking services. This product is only available via the Raisin UK platform but comes with a £25 sign up bonus for Savings Guru customers. You can find out more about Raisin, and how to claim the sign up bonus here |
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1.25% | £1 / £100,000 | Branch | Branch |
| Durham based Atom Bank has attracted over 20,000 customers and £2.4bn of savings since its launch in April 2016. Savers can only access Atom’s products via their mobile app |
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1.50% | £1 / £250,000 | Branch | Branch |
| Chase is a new digital bank that has been launched by US banking group JP Morgan Savers can get a £20 bonus by signing up to the account and depositing £20 in the first 30 days. To get this bonus, sign up here |
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1.15% | £1 / £2m | Branch | Branch |
| Essex based Ford Money have regularly been in our best buy tables since their launch in April 2017. The rate is variable but any changes get notified to savers who benefit from any upward movements automatically. |
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1.30% | £1,000 / £250,000 | Branch | Branch |
| First appearance in our easy access best buys for Gatehouse. This account pays expected profit, rather than interest, to meet Sharia law requirements |
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1.06% | £5,000 / £1,000,000 | Branch | Branch |
| A competitive rate of interest on this straightforward easy access account. The higher minimum balance may put off savers with smaller balances |
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1.15% (0.10% bonus for 12 months) | £1 / £250,000 | Branch | Branch |
| Marcus launched in September 2018 and is part of US bank Goldman Sachs This account includes a bonus rate of 0.10% for 12 months. We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion. |
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1.05% | £1 / £1m | Branch | Branch |
| Savers can only make two withdrawals per calendar year from this account. It can be closed at any time but closure counts as a withdrawal. Principality is the 6th largest building society in the UK, looking after £7.6bn of savings |
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1.10% | £100 / £250,000 | Branch | Branch |
| Part of French car giant Renault, RCI are a UK licensed bank and covered by the Financial Services Compensation Scheme You can find out more about them here |
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1.15% (0.10% bonus for 12 months) | £1 / £250,000 | Branch | Branch |
| Saga savings relaunched in October and is now part of Marcus by Goldman Sachs which has over 700,000 customers in the UK with £21bn of balances. This account includes a bonus rate of 0.10% for 12 months. We don't usually include accounts with bonus rates but, as this will still be in our best buys without the bonus, we have on this occasion. |
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1.10% | £1,000 / £500,000 | Branch | Branch |
| Sainsbury’s Bank opened in 1999 and was the first supermarket bank to open in the UK. This account is limited to three withdrawals each year, otherwise the rate reduces to 0.65%. |
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1.10% | £1 / £250,000 | Branch | Branch |
| Tandem acquired Harrods Bank in January 2018. This 'green' saver can only be opened and managed via Tandem's mobile app but has a very low minimum balance |
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1.20% | £1 / £85,000 | Branch | Branch |
| Zopa started life as a peer to peer lending business in 2005 but became a licensed bank in 2019 and launched their first savings accounts in August 2020. This account comes with savings pots which pay 1.25% (7 Day Notice), 1.35% (31 Day Notice) and 1.45% (95 Day Notice) You can find out more about them here |