Best savings accounts currently available
We regularly check the market to find the best easy access savings accounts currently available and display them below. These are the best rates we can find right now, but please note: we don’t provide personalised financial advice and we’re not recommending any specific products. Instead, we aim to show you a clear, up-to-date snapshot of the top options so you can make your own informed decision.
When comparing easy access savings accounts, there are a few important factors to consider beyond just the interest rate:
Minimum deposit – Some accounts require a minimum amount to open or to earn the advertised rate. Make sure this suits your savings goals.
Withdrawals – Easy access doesn’t always mean unlimited access. Some accounts limit the number of withdrawals or reduce your interest rate if you take money out.
Bonus rates – Many of the top rates include a temporary bonus for the first 6 or 12 months, after which the rate may drop significantly.
FSCS protection – Ensure the account is with a UK-regulated provider covered by the Financial Services Compensation Scheme, which protects up to £85,000 per person, per institution.
How you access the account – Some accounts are online-only or require a mobile app. Others may allow branch or phone access too. Choose what’s most convenient for you.
We aim to keep this list up to date and accurate, but always double-check the terms and eligibility on the provider’s website before applying.
| Provider | Account | Rate (AER) | Features |
|---|---|---|---|
Sidekick
|
Easy Access | 4.76%* | Instant access, £5k–£85k, 12‑month bonus rate |
|
Atom Bank
|
Instant Saver Reward | 4.75%* | Bonus account, flexible withdrawals |
|
Snoop
|
Easy Access Savings | 4.60% | Variable, daily interest, FSCS‑protected |
|
Chip
|
Instant Access Account | 4.56% | 12‑month bonus, monthly interest |
|
Raisin UK (Vida)
|
Easy Access | 4.25% | FSCS‑protected, £1k+ |
|
Money.co.uk avg
|
Instant Access Savings | ~4.30% | Daily updated average rate |
* Bonus rates may apply for a limited period—check terms, withdrawal limits, and expiry dates before applying.