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Easy Access

Provider Rate Min/Max Deposit Opening Account Accessing Account Interest Options SG Verdict
Al Rayan Bank
0.70% £1,000 / No Maximum

Branch
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Internet
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Branch
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  • Paid Monthly

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

Buckinghamshire Building Society
0.55% £100 / £500,000

Branch
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Branch
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  • Paid Away or Compounded
  • Paid Annually
  • Paid 31st December

The triple access saver allows three free withdrawals during a calendar year, after which no further withdrawals are permitted until the following year.

Buckinghamshire is one of the smallest building societies with £234m of deposits 

Gatehouse Bank
0.60% £1,000 / £250,000

Branch
App
Internet
Post
Telephone

Branch
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  • 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

Investec
0.55% £10,000 / £1,000,000

Branch
App
Internet
Post
Telephone

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

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

The higher minimum balance may put off savers with smaller balances

JN Bank
0.55% £1,000 / £250,000

Branch
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Telephone

Branch
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  • Paid Annually
  • Added to the account

JN Bank are the first Carribean bank to be authorised in the UK and launched on 8th October 2020.

Paragon Bank
0.65% £1,000 / £500,000

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

This account pays 0.65% but drops to 0.25% if more than three withdrawals are made within a 12 month period.

Birmingham based Paragon launched in 2014 and now look after over £7.5bn of savings.

You can find out more about them in our banking directory https://www.thesavings.guru/bank-directory/208-paragon-bank 

RCI Bank
0.57% £100 / £1,000,000

Branch
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Branch
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  • 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

Saga
0.70% (0.15% bonus) £1 / £250,000

Branch
App
Internet
Post
Telephone

Branch
App
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Post
Telephone

  • Paid Monthly
  • Paid Compounded

Saga savings relaunched in October and is now part of Marcus by Goldman Sachs which has over 500,000 customers in the UK with £17bn of balances.

The account comes with a 0.15% bonus for the first 12 months.  We don't normally feature bonus accounts but this one would still be in our best buys without the bonus element.

UBL
0.60% £500 / £200,000

Branch
App
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Branch
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  • Paid Annually
  • Paid Compounded

Only one free withdrawal is permitted each month.  After this, withdrawals cost £1 each subject to an online banking maximum withdrawal of £10,000.

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

Yorkshire Building Society
0.50% (£10,000+) 0.45% (£1,000+) £1 / No max

Branch
App
Internet
Post
Telephone

Branch
App
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Telephone

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

This account allows six withdrawals per year plus closure.  The year starts from the date you open the account.

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

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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