Easy Access
| Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict |
|---|---|---|---|---|---|---|
|
4.18% | £1,000 / £250,000 | Branch | Branch |
|
London based Hampshire Trust Bank launched in 1977 but was acquired by a new management team in 2014 and now looks after in excess of £1.63bn of deposits. |
|
4.09% | £500/ £120,000 | Branch | Branch |
| This account is provided by UBL Bank on the Meteor Savings platform |
|
4.52% | £1 / £500,000 | Branch | Branch |
| Cahoot is a division of Santander, which is one of the top seven savings providers, by size, in the UK |
|
4.10% | £100 / £2m | Branch | Branch |
| This Double Access Savers allows up to 2 penalty free withdrawals per annum, further withdrawals subject to 120 day loss of interest. Cambridge is the 13th largest building society in the UK, looking after over £1.24bn of deposits, and are one of the few building society providers to have their own savings app |
|
4.25% | £1 / £1m | Branch | Branch |
| Wolverhampton based Charter Savings launched in 2015. It is now part of One Savings Bank which looks after a combined £16.6bn across its Charter Savings and Kent Reliance savings brands |
|
4.50% (includes 2% bonus for 12 months) | £1 / £500,000 | Branch | Branch |
| Chase is a new digital bank that has been launched by US banking group JP Morgan. The savings account comes with a current account which pays 1% cashback on spending and 5% interest on round ups of that spending. This rate includes a bonus of 2% AER paid for a year. Available to new customers for their first 31 days as a new customer. Bonus lasts for 12 months from opening the savings account. |
|
4.15% (2% bonus for 12 months) | £1 / £1m | Branch | Branch |
| Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings |
|
4.15% | £100 / £250,000 | Branch | Branch |
| Competitive rate from Epsom based Family Building Society with a low minimum balance. Deposits can be made by debit card or bank transfer but withdrawals are restricted to £25,000 per day. |
|
4.55% (includes bonus of 1.50% for 12 months) | £0 / £1m | Branch | Branch |
| NatWest Group launched First Active in August 2026 as a new digital-only savings brand in the UK |
|
4.28% | £1,000 / £500,000 | Branch | Branch |
| This is a triple access account - savers can only access their money three times an anniversary year. This resets one year after account opening ThisBank is the rebrand of JN Bank, which was the first Carribean bank to be authorised in the UK and launched on 8th October 2020. |
|
4.21% | £1 / £900,000 | Branch | Branch |
| This is a limited access saver which only permits three withdrawals or transfer every 12 months. Once a saver has made three withdrawals, if want to make another, they will need to withdraw all of the money from their Limited Access Saver Account and close it. Kent Reliance are part of One Savings Bank, which is listed on the FTSE 250. |
|
4.20% | £1,000 / £1m | Branch | Branch |
| Unlimited withdrawals can be made from this account, which has a fixed maturity date of 4th October 2027 when interest will be paid. Leeds is the 5th largest building society in the UK and looks after £14.5bn of savings. |
|
4.15% | £0 / £100,000 | Branch | Branch |
| To access this product, savers must open a LHV current account LHV Bank in the UK was originally a branch in 2018 but became a bank in its own right in 2023. LHV Bank is a subsidiary of LHV Group which is an Estonia based financial group. |
|
4.51% | £25,000 / £2m | Branch | Branch |
| After 12 months this Welcome Saver account matures to an Easy Access Tracker. The Easy Access Tracker pays a variable interest rate that tracks the Bank of England base rate. The current rate is the base rate minus 0.50% gross. Interest can be added to the account or paid away to a linked current account. Monument Bank launched in December 2021 and plans to target mass affluent individuals via its mobile app. Consequently, it has a higher minimum balance requirement than other savings providers. |
|
4.33% | £1,000 / £120,000 | Branch | Branch |
| This account is only open to new customers It has same day access subject to a 1pm cut off period. Oxbury is a specialist agricultural bank, focused on lending to UK farms. It got its banking licence in 2020 and launched savings accounts in February 2021. Savers will need a smartphone to download the Oxbury Banking App as part of the security measures to access their online account You can find out more abouy them here |
|
4.30% (includes 1.95% bonus for 12 months) | £1 / £1m | Branch | Branch |
| Savers can only make three 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 |
|
4.50% (includes 1.60% bonus for 12 months) | £1 / £250,000 | Branch | Branch |
| Although an online account, savers need a smartphone or camera enabled tablet to apply for this account. Saga savings is now part of NatWest Boxed so new accounts are held with them but historic issues of their savings remain part of Marcus by Goldman Sachs. |
|
4.13% (includes 2.13% bonus for 12 months) | £1 / £85,000 | Branch | Branch |
| New Customers only (must not have held a savings account with Shawbrook Bank in the last 28 days.) Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings Find out more about them here |
|
4.16% | £10 / £85,000 | Branch | Branch |
| Vida Bank was authorised in 2024 and launched its first savings products on 5th December 2024. This is a Double Access Account. It allows two withdrawals per year but from the third withdrawal onwards the rate drops to 2.50%. |
|
4.16% | £1 / £250,000 | Branch | Branch |
| A very low minimum balance, but this account is limited to two withdrawals from January to December, with closure counting as a withdrawal. |
|
4.20% | £1 / £500,000 | Branch | Branch |
| Savers can withdraw from this account on any three days a year, starting from the day they open it e.g. if opened on 2nd May, savers have until 1 May the next year to make withdrawals. For security reasons, savers cannot withdraw money for the first 14 days after they open the account. Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings. |