Best easy access savings rates 2026

  • The web's best savings tables - completely independent and unique
  • Compiled by savings expert Sylvia Morris  - providers cannot pay to appear

By THIS IS MONEY

Updated:


 ONLINE ACCOUNTS - EASY ACCESS
Type of account (min investment)  0% tax 20% tax  40% tax
If you open an account using links which have an asterisk, This is Money will earn an affiliate commission. We do not allow this to affect account placement or editorial independence.      
Accounts with short term bonuses have 12 month average rates listed in brackets 
Cahoot Sunny Day Saver (£1-£3,000)   5.00 4.00  3.00 
Tembo Home Saver (£1-£25,000) (1.75% bonus for 12 months)  4.75 3.8 2.85
DF Capital Easy Access 7 (£1,000+)  4.25 3.4  2.55 
Cynergy Bank Online Easy Access (£1+) ( 2% bonus for 12 months)  4.22 3.38  2.53 
Vida Savings Double Access Saver (£1+) (2)  4.16 3.32  2.5 
Virgin Money Double Access E-Saver 18 (£1+) (2)  4.16 3.32  2.5
Coventry BS 4 Access Saver- 1 year (£1+) (4)  4.15 3.32  2.5 
Shawbrook Bank Easy Access Bonus 5  (2.13% bonus for 12 months (£1+)  4.133.3 2.48
Cambridge BS Double Access (£100+)(2)  4.1 3.28  2.46 
Vanquis Bank Triple Access Saver 4  (£1,000+) (3)  4.08 3.26  2.45 
Cahoot Simple Saver 14 (£1) (3.4% bonus for 12 months)  4.053.23 2.42
Tipton BS Six Access Isa (£1,000+) (account runs to 27 February 2027) (3)  4.05 3.23  2.42 
Charter Savings Bank Easy Access 73 (£5,000+)  4.013.21 2.41
Hodge Bank Easy Access 1 (£1+)  4.01 3.21  2.41 
Aldermore Bank Double Access 8 (£1000+)(2)  4.00 3.2  2.4 
Nationwide BS Single Access Saver (£1+) (account runs for 12 months) (9)  4.00 3.2  2.4 
Leeds BS Online Access Saver 17 (£1,000+)(account runs to 5 May 2027)  3.95 3.17  2.38
RCI Bank (£100+)  3.95 3.17 2.38
Skipton BS Bonus Saver 16 (£1+)(1.7% bonus for 12 months)  3.9 3.12  2.34 
Family BS Market Tracker Saver (£1+)  3.88 3.1 2.33
Spring Easy Access (Paragon Bank app account)  3.823.06 2.29 
Thisbank Easy Access (£1+)  3.82 3.06  2.29 
Vida Savings Easy Access 3 (£10+)  3.8 3.04  2.28 
Investec Flexi Saver (£5.000+)  3.793.03 2.27
Chetwood Bank (£1+)  3.783.03  2.26
Marcus by Goldman Sachs (0.49% bonus) (£1+)  3.75 3.00 2.25 
United Trust Bank Easy Access (£5,000+)  3.75 3.00 2.25 
      
(1) This rate applies to any month you do not make a withdrawal. In a month where you do, you earn a lower 2.5 per cent
(2) You are limited to two withdrawals a year 
(3) You are limited to three withdrawal a year 
(4) You are limited to four withdrawals a year
(5) You are limited to six withdrawals a year
(6) You are limited to five free withdrawals a year  
(7) Open to new customers only  
(8) You can make multiple withdrawals on four days in a year   
(9) You can only make one withdrawal a year - the rate drops if you make more   
(10) Minimum withdrawal £1,000   
(11) This rate is the 'expected profit rate' under Sharia compliant accounts.   
BRANCH-BASED ACCOUNTS - INSTANT ACCESS 
Type of account (min investment) 0% tax 20% tax 40% tax
Accounts WITHOUT bonus - These rates are not boosted by a temporary bonus that drops off after a year   
Coventry BS 4 Access Saver- 1 year (£1+) (7) 4.15 3.32 2.49 
Cambridge BS Double Access (£100+)(2) 4.1 3.28 2.46 
Kent Reliance Easy Access 14 (£1,000+) 4.053.242.43
Nationwide BS Single Access Saver (£1+) (account runs for 12 months) (12) 4.00 3.2 2.4 
Harpenden BS Hart Saver 1 (£100+) (9) 3.96 3.17 2.38 
Skipton BS Bonus Saver 16 (£1+)(1.7% bonus for 12 months) 3.9 3.12 2.34 
Family BS Market Tracker Saver (£1+) 3.88 3.12.33
Teachers BS Double Access (£100+)(5) 3.853.08 2.31
Yorkshire BS Rainy Day 2 Account (£1+) (11)  3.753.002.25
Cambridge BS Your Saver (£100+) (10)3.652.922.19
Dudley BS Branch Instant Access Saver (£1,000+) 3.6 2.88 2.16 
Darlington BS Single Access Saver 4 (£500+) 3.55 2.84 2.13
Chorley BS Easy Access Saver (£500+)(2) 3.32.641.98
Scottish BS Saver Plus 8 (£100+) (7) 3.252.61.95
Tipton BS Double Access Saver (£1000+) (2)3.22.561.92
Leeds BS Five Access Saver 5 (£5,000+)(8) 3.152.521.89
Newbury BS Senior Saver (£500+) (1) 2.852.281.71
Nottingham BS Triple Access Saver (£1,000+) (5) 3.052.441.83
Newbury BS welcome to Newbury (£50+)  3.00 2.41.8
Swansea BS Instant Access Saver (£1+)  (4)3.002.41.8
    
BONUS accounts - These accounts pay a bonus for the first 12 months or more. These are the rates including the bonus: 
Principality BS Branch 5 Access Bonus Saver 2 (£1+)(8) 3.352.682.01
(1) Only available to those age 55 or over
(2) You are limited to two withdrawals a year 
(3) You are limited to making six withdrawals a year. 
(4) Only available to existing customers and new applicants living in Wales 
(5) You are limited to making three withdrawals a year  
(6) Available to those who live, work or study in Bath 
(7) You are limited to making four withdrawals a year 
(8) You are limited to making five withdrawals a year  
(9) Locals only living in postcode areas AL, HP, LU and WD  
(10) You are limited to one withdrawal each calendar month   
(11) This rate is paid on the first £10,000 in the account. On balances above that you earn 3.2 per cent. You can only withdraw money on two days a year 
(12) You can only make one withdrawal a year - the rate drops if you make more  

* Note: From April 2018, tax conversions will apply only to taxpayers living in England, Wales and Northern Ireland. Scottish taxpayers are subject to different income tax rates after this date.

Savings accounts

 Dear Reader,

These tables are unique on the web. They are independent and providers are not forced to pay to appear, which is typically the case at big comparison sites.  

Independent savings expert: Sylvia Morris

Independent savings expert: Sylvia Morris

They are completely unbiased - we simply show the best rates around and don't do 'featured deals'.

We've gone a step further, too. To feature in the best buys on variable rate accounts in our savings tables, an account must give you easy access to your money and come with no hidden catches.

In the past we have refused to include accounts where the rate is boosted by a short-term bonus or those with over-restrictive conditions so you only earn the advertised rate if you make three or less withdrawals a year.

But with interest rates so low, most of today's best deals have some sort of clause built in, whether that's a bonus or a restriction on withdrawals.

For that reason, we've included decent bonuses as long as they last for at least 12 months. This is to avoid you having to switch your account too often when short-term bonuses run out.

If there is a restriction on withdrawals we have made this clear in the notes on each account.

We also ignore old-style 'notice' accounts where the bank or building society can demand you give up to six months' notice that you want to take our money out while it can change the rate at any time without warning.

All banks and building societies are registered with the Financial Conduct Authority and signed up to the Financial Services Compensation Scheme, either directly (protecting up to £120,000) or via its passport scheme (where the compensation limit depends on the bank's home country. In Europe it is €100,000).

If you have a question about the tables email sy.morris@dailymail.co.uk and editor@thisismoney.co.uk

Sylvia Morris

This is Money savings tables expert

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