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Easy Access

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Britannia
1.40% £500 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Annually

Only four withdrawals are permitted per calendar year.  If five or more withdrawals are made, the rate falls to 0.30%

The Co-op Bank has 68 branches across the UK.

Savers should note that, although this account can be opened online, it cannot be managed online.

Charter Savings Bank
1.35% £5,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

Wolverhampton based Charter Savings is part of Chartercourt Financial Services.  

Charter Savings launched in April 2015 and looks after £5.6bn of savings

Gatehouse Bank
1.40% £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Anniversary
  • Paid Annually
  • Paid Away

First appearance in our easy access best buys for Gatehouse. 

This account pays expected profit, rather than interest, to meet Sharia law requirements

Kent Reliance
1.43% £1,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

Excellent rate from Kent Reliance, part of One Savings Bank, which is listed on the FTSE 250.

One Savings Bank has recently announced its merger with Charter Savings Bank.

Marcus
1.45% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

This account includes a 0.10% bonus rate payable for 12 months.  

We normally exclude bonus rates, however this account still qualifies for our best buys without it.

Marcus launched in September 2018 and is part of US bank Goldman Sachs.

RCI Bank
1.35% £100 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Anniversary
  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

RCI consistently pay some of the best rates in the easy access market.

They are now a UK licensed bank and covered by the Financial Services Compensation Scheme

Virgin Money
1.45% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

Competitive rate from Virgin but this account is limited to two withdrawals per annum.  Closing your account counts as a withdrawal too    

About The Savings Guru

We help savers get the best deal for their money by providing unique insight in to the savings market.  We help prospective banks apply for a banking licence and we help build customer services, products and marketing for them.  We also work with existing banks and building societies to improve their savings propositions.  This  insider view of savings means we are uniquely placed to help savers.

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