Receive the Savings Guru's updates straight to your inbox

Easy Access

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Al Rayan Bank
2.81% £5,000 / No Maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly

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

 Paragon - Raisin
2.60% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

This product is only available via the Raisin UK platform but comes with a £30 sign up bonus for Savings Guru customers.  You can find out more about Raisin, and how to claim the sign up bonus here

 UBL - Raisin
2.25% £2,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid On Maturity

United Bank Limited UK (UBL) was formed in 2001 from the merger of two Pakistani banks and has branches in Ilford, Bradford, Birmingham, Glasgow Manchester and London.

This product is only available via the Raisin UK platform but comes with a £30 sign up bonus for Savings Guru customers.  You can find out more about Raisin, and how to claim the sign up bonus here

Atom Bank
2.55% £1 / £100,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

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

Charter Savings Bank
2.35% £5,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

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

Harpenden Building Society
2.40% £1 / no maximum

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Paid 31st December
  • Added to the account

The rate on this account drops to 1.40% if four or more withdrawals are made per calendar year.

Harpenden Building Society looks after £260m of savings and is the 38th largest building society in the UK

Investec
2.45% £5,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Monthly

A competitive rate of interest on this straightforward easy access account.

The higher minimum balance may put off savers with smaller balances

Kent Reliance
2.47% £1,000 / £1,000,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly
  • Paid Annually

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

One Savings Bank has recently completed its merger with Charter Court Financial Services and the combined group looks after £16.6bn of savings

Marcus
2.25% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

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

Nationwide - Triple Access
2.50% £1 / No max

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Annually
  • Added to the account

Addditions are permitted but rate drops to 0.01% if more than three withdrawals are made during the 12 month term

Nationwide are the largest building society and one of the top seven savings providers in the UK by value of deposits managed

Principality Building Society - Double Access
2.50% £1 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Annually
  • Added to the account
  • Paid 1st January

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

Saga
2.25% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

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.

Secure Trust Bank
2.25% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly

Birmingham based Secure Trust Bank look after over £2bn of deposits.  They launched their first easy access account in March 2022

Find out more about them here

Shawbrook Bank
2.30% £1,000 / £85,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

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

Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings

Find out more about them here

Skipton Building Society - no restrictions
2.36% £1 / £1m

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid on Anniversary
  • Paid Away or Compounded
  • Paid Annually

This product is limited access with only two withdrawals per year with a third withdrawal in the year acting as closure of the account.

Skipton is the 4th largest building society in the UK and looks after £21bn of deposits.  

Tandem Bank
2.55% £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Monthly
  • Paid Compounded

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

Yorkshire Building Society
2.25% (£10,000+) 2.00% (£1,000+) £1 / No max

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st March

This account comes with unlimited withdrawals and tiered rates of interest, with 2.30% payable on balances of £50,000+

Yorkshire are the 3rd largest building society in the UK and look after £30.7bn of savings.

Zopa Bank
2.40% £1 / £50,000

Branch
App
Internet
Post
Telephone

Branch
App
Internet
Post
Telephone

  • Paid Away or Compounded
  • Paid Monthly

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 2.45% (7 Day Notice), 2.60% (31 Day Notice) and 2.80% (95 Day Notice)

You can find out more about them here

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.

Find out moreMeet the Team

Ask the Guru a Question

Your Name

Please let us know your name.
Your Email

Please let us know your email address.
Question

Please let us know your message.
Please complete the verification below:
Please complete the verification below:

Please try again