Saving For Your Future > Top instant access savings accounts

Top instant access savings accounts

By Damien Fahy
1 min read Published: 13 Jun 2012

Looking for the best instant access saving rates? Here's a list of  the best out there at the moment.

Santander eSaver Issue 5

  • 3.20% AER
  • 2.70% bonus 1st 12 months
  • £1 minimum investment
  • Access - online, telephone

BM Savings Online Extra Issue 1

  • fixed bonus for 1st 12 months
  • 2.60% AER for balances £1,000 - £19,999
  • 3.00% AER for balances £20,000 - £49,999
  • 3.20% AER for balances £50,000+
  • £50,000 min investment, £1,000,000 max. investment
  • Access - online

Post Office Online Saver Issue 5

  • 3.17% APR
  • 1.52% bonus 1st 12 months
  • £1 min investment
  • Access - online

ING Direct Savings Account

  • 3.15% APR
  • 2.61% bonus 1st 12 months
  • £1 min. investment
  • Access - online, telephone

Nationwide BS MySave Online Plus

  • 3.06% APR
  • 1.52% bonus 1st 12 months
  • £1,000 min. investment
  • Access - online

Derbyshire BS NetSaver Issue 3

  • 3.06% APR
  • 2.06% bonus until 30/6/13
  • £1,000 min. investment
  • Access - online

Allied Irish Bank (GB) Savings Direct Easy Access Reward Account

  • 3.00% APR
  • 1.50% bonus fixed for 5 years
  • £1 min investment
  • 4 penalty free withdrawals per year
  • Access - telephone, post

Tesco Bank Internet Saver

  • 2.80% APR
  • 1.55% 1st 12 months
  • £1 min. investment
  • Access - online

Lloyds TSB eSavings

  • 2.5% APR
  • 1.50% bonus 1st 12 months
  • £10,000 min. investment
  • Access - online, telephone

Lloyds TSB Easy Saver

  • 1.60% APR
  • 1.50% bonus 1st 12 months
  • £1 min. investment
  • Access - online, telephone, branch, Cash point

Related articles

News, Account & Rates

5% instant access saving account - highest interest rate since 2009

By Joel Kempson
2 min Read 10 Aug 2023
Tandem Bank has boosted the interest on its easy-access savings account to 5%, the highest rate of return on such...

Savings Best Buy Tables

Best Easy Access Accounts in the UK

By Damien Fahy
1 min Read 29 Sep 2023
The best Easy Access savings accounts from the whole UK Savings Market! SavingsChampion.co.uk monitors the whole UK savings market (that's...

Savings Best Buy Tables

Best savings accounts in the UK

By Lauren Burrows
12 min Read 29 Sep 2023
The Bank of England's base rate has risen to its highest point in 15 years, which is good news for...

How this site works...

The material on the Money to the Masses website, 80-20 Investor, Damien’s Money MOT, associated pages, channels, accounts and any other correspondence are for general information only and do not constitute investment, tax, legal or other form of advice.

You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation. Leadenhall Learning (owner of Money to the Masses, 80-20 Investor and Damien’s Money MOT) and its staff do not accept liability for any loss suffered by readers as a result of any such decisions or their use of any information on this site. See full Terms & Conditions, Privacy Policy and Disclaimer.

Money to the Masses is a journalistic website and aims to provide the best personal finance guides, information, tips and tools, but we do not guarantee the accuracy of these services so be aware that you use the information at your own risk and we can't accept liability if things go wrong.

We aim to give you accurate information at the date of publication, unfortunately price and terms and conditions of products and offers can change, so double check first. Leadenhall Learning, Money to the Masses, 80-20 Investor, Damien's Money MOT nor its content providers are responsible for any damages or losses arising from any use of this information. Always do your own research to ensure any products or services and right for your specific circumstances as our information focuses on rates not service.

Past performance is no guarantee of future results. Funds invest in shares, bonds, and other financial instruments and are by their nature speculative and can be volatile. You should never invest more than you can safely afford to lose. The value of your investment can go down as well as up so you may get back less than you originally invested.

We do not investigate the solvency of companies mentioned on our website. We are not responsible for the content on websites that we link to.

80-20 Investor tables and graphs are derived from data supplied by Trustnet. All rights Reserved.

If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use.

**51% of consumers could save £490.26 on their Car Insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2023 data. 51% of consumers could save £151.03 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next seven cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from June 2023. The savings you could achieve are dependent on your individual circumstances.

Leadenhall Learning Limited (trading as Money to the Masses) is an introducer appointed representative of Seopa Limited which is authorised and regulated by the Financial Conduct Authority.

Leadenhall Learning Limited (trading as Money to the Masses) is an appointed representative of Wealthify Limited which is authorised and regulated by the Financial Conduct Authority. Money to the Masses acts as an appointed representative for the purpose of promoting Wealthify products and introducing customers to Wealthify.
As seen on:
© 2023 Leadenhall Learning