Instant Access

Disclaimer: The rates shown are for information purposes only. Although endeavours have been made to provide accurate and timely information, Investment Sense Ltd cannot be held responsible for any errors or omissions of the information supplied.

All rates are subject to change without notice, please check with the bank or building society before investing. With fixed term notice savings accounts you can’t usually withdraw your money until the notice term has ended. Penalties may apply.

Eligible deposits are protected by the Financial Services Compensation Scheme ‘FSCS’ up to a maximum level of £85,000 per person per registered institution.

Newbury Building Society Existing Members Account

This account is for existing members
AER
Notice/Term
Minimum Required
Account Opening
1.10%
None
£50
Internet, Branch, Post
More Details

Newbury Building Society Welcome to Newbury

AER
Notice/Term
Minimum Required
Account Opening
0.85%
None
£50
Branch, Post
More Details

Harpenden Building Society 21 Club

This account is for anyone between the ages of 18 and 21. A maximum of three withdrawals are permitted each year without notice or loss of interest, including closure. No further withdrawals are permitted
AER
Notice/Term
Minimum Required
Account Opening
0.75%
None
£1
Branch, Post
More Details

ICICI Bank UK SuperSaver Savings Account

AER
Notice/Term
Minimum Required
Account Opening
0.60%
None
£1
Internet, Telephone, Branch
More Details

Earl Shilton Building Society Progress

This account can only be opened by existing members or by people living within the post code areas of LE, CV9-13 and DE11-15 inclusive and includes a gross bonus of 0.50%
AER
Notice/Term
Minimum Required
Account Opening
0.60%
None
£100
Branch, Post
More Details

UBL UK Online Easy Access

This account is for existing customers. 0.45% from 21.02.2021
AER
Notice/Term
Minimum Required
Account Opening
0.60%
None
£500
Branch, Post
More Details

Market Harborough Building Society Save & Support Plus

This account is for existing members who have already registered for the Society's Online Service
AER
Notice/Term
Minimum Required
Account Opening
0.55%
None
£1
Internet
More Details

Instant Access

An Instant Access savings account provides you with greater freedom than other accounts which may require notice to access money.

The interest rate payable tends to be lower than for accounts that require notice or tie your money up for a number of years. Although with the increasing popularity of bonus rates this is not always the case.

The rate of interest for instant access accounts are generally variable and can change with very little notice, it therefore pays to keep an eye on the return you are getting to ensure it is still competitive.

Furthermore Instant Access savings accounts often have a bonus, or introductory, rate of interest for a set period. These bonus or introductory rates can make the rate of interest look particularly attractive, however once it is removed, after a prescribed period, the interest rate generally becomes uncompetitive and savers should look around to consider alternatives.

These are some of the simplest accounts available, and can often be opened in a variety of ways, including via the internet, by post and in person at a branch.

Unlike Instant Access Cash ISAs however, the interest is taxed meaning savers looking for an instant access account should use their ISA (Individual Savings Account) allowances first and only then consider a normal Instant Access Savings account.