Easy Access
Provider | Rate | Min/Max Deposit | Opening Account | Accessing Account | Interest Options | SG Verdict |
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3.22% | £5,000 / £1m | Branch | Branch |
| This account pays expected profit, rather than interest, to meet Sharia law requirements. |
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3.00% | £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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3.40% | £1 / £250,000 | Branch | Branch |
| All money deposited in the Chip Instant Access Account is held by the UK authorised bank ClearBank and is eligible for the Financial Services Compensation Scheme (FSCS) |
3.03% | £1 / £85,000 | Branch | Branch |
| Kroo was authorised as a bank in July 2021. Formerly known as B-Social, Kroo offers a fee free current account which pays 3.03% interest on balances up to £85,000, which are FSCS protected. The rate on this account increases to 3.33% on 1st April |
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3.05% | £100 / £500,000 | Branch | Branch |
| Three withdrawals are allowed between 1 January and 31 December each year without notice or penalty, after which no further withdrawals can be made during that calendar year. A fourth withdrawal within a calendar year will result in the automatic closure of the account. Buckinghamshire is one of the smallest building societies with £234m of deposits |
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3.05% | £5,000 / £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 |
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3.00% | £1 / £500,000 | Branch | Branch |
| Chase is a new digital bank that has been launched by US banking group JP Morgan. The savings account pays 2.70% interest and comes with a current account which pays 1% cashback on spending and 5% interest on round ups of that spending. |
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3.10% | £1 / £250,000 | Branch | Branch |
| This is a limited access account which means savers can only make six withdrawals a year. From the seventh withdrawal onwards, a charge of 50 days interest will be made Competitive rate from Coventry Building Society which is the 2nd largest building society in the UK looking after £38.2bn of deposits |
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3.25% (0.15% bonus for 12 months) | £1 / £1m | Branch | Branch |
| This account includes a bonus of 0.15% for 12 months. After 12 months the rate will drop to 3.10%. 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. Cynergy was formerly known as Bank of Cyprus, which has operated in the UK since 1955, and looks after £1.76bn of savings |
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3.10% | £1 / £2m | Branch | Branch |
| Essex based Ford Money have regularly been in our best buy tables since their launch in April 2017. |
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3.20% | £1,000 / £250,000 | Branch | Branch |
| This account pays expected profit, rather than interest, to meet Sharia law requirements |
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3.00% | £1 / no maximum | Branch | Branch |
| The rate on this account drops to 1.60% 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 |
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3.25% | £1 / £500,000 | Branch | Branch |
| The rate on this account drops to 0.75% if four or more withdrawals are made within a 12 month period Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here |
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3.10% | £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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3.07% | £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 1%. |
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3.10% | £1,000 / £85,000 | Branch | Branch |
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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 |
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3.06% | £1,000 / £85,000 | Branch | Branch |
| Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings Find out more about them here |
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3.21% | £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 3.25% (7 Day Notice), 3.31% (31 Day Notice) and 3.47% (95 Day Notice) You can find out more about them here |