Choose a type of savings account to compare from the list below

Easy access savings accounts (variable rate)

	Account	Interest (AER) The account’s Annual Equivalent Rate: shows the interest you will earn over a year as a percentage. If interest is paid monthly, this rate will be higher than the gross interest rate (as the interest will be compounded).	Interest Paid This shows how often the interest is calculated and paid.	Account Type / Term Type of savings account and length of account term (if applicable).	Account Access Online - Access via internet banking. Telephone - Access via telephone banking. Branch - Access via your local branch. Post - Postal access.	Min / Max Balance Some accounts have minimum and maximum balances. If the account holder’s balance falls outside these limits they may be subject to interest penalties or account closure.
	United National Bank 90 Day Notice Account	3.00%	Yearly	90 Day Notice Account	OnlineTelephoneBranchPost	£2,000 - £500,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £2,00 Permanent UK Resident Yes Minimum Age 18
	ING Direct Savings Account	2.90% AER Includes Bonus 2.36% gross p.a. bonus fixed for 12 months from account opening	Monthly	Easy Access	OnlineTelephoneBranchPost	£1 - £250,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £1 Permanent UK Resident Yes Minimum Age 18
	Scottish Widows Direct Transfer Account	2.80% 2.80% AER includes a 0.89% bonus applied to the account for the first 12 months.	Yearly	Easy Access	OnlineTelephoneBranchPost	£1,000 - £5,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £1,000
	Halifax Online Saver	2.80% 2.80% AER includes a 12 month fixed bonus of 2.70%	Yearly	Easy Access	OnlineTelephoneBranchPost	£1 - £5,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £1 Permanent UK Resident Yes Minimum Age 16
	Barnsley Building Society Online Saver	2.50%	Monthly / Yearly	Easy Access	OnlineTelephoneBranchPost	£1 - £1,000,000	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £1 Permanent UK Resident yes Minimum Age 16
	Lloyds TSB eSavings Only available to Lloyds current account customers	2.50% AER Dependent on Balance £1+ = 1.60% £10k+ = 2.50% AER Includes Bonus Fixed introductory bonus of 1.50% AER on all tiers for the first 12 months	Yearly	Easy Access	OnlineTelephoneBranchPost	£10,000 - No limit	MORE INFO Read this before you proceed. IMPORTANT: You must open or currently have a Lloyds TSB Current Account to open this Savings Account. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 16 Existing Customer Yes
	Nationwide Regular Savings Account	2.50% AER dependant on monthly increase in balance £1 - £99 - 0.10% £100 - £199 - 1.35% £200 - £499 - 1.85% £500 - £1,000 - 2.50%	Yearly	Regular Savings Account	OnlineTelephoneBranchPost	£1 - No limit	MORE INFO Read this before you proceed. IMPORTANT: This is a Regular Savings Account To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 11 Existing Customer No Maximum Deposit £1,000 monthly
	Halifax Reward Saver Available to Existing Current Account Customers Only	2.50% 2.50% gross/AER variable or 2.25% gross/AER variable if five or more withdrawals have been made	Yearly	Instant Access	OnlineTelephoneBranchPost	£1 - £5,000,000	MORE INFO Read this before you proceed. Existing Current Account Customers Only To qualify for this product you need to meet the following criteria. Permanent UK Resident yes Minimum Age 18 Existing Customer yes
	Lloyds TSB Easy Saver	1.60% AER Includes Bonus Fixed introductory bonus of 1.50% AER for the first 12 months	Yearly	Easy Access	OnlineTelephoneBranchPost	£1 - No limit	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Permanent UK Resident Yes Minimum Age 16 Existing Customer No
	RBS Direct Saver	1.50% AER Dependent on Balance £1+ = 1.00% £10k+ = 1.10% £25k = 1.20% £50k = 1.50%	Yearly	Easy Access	OnlineTelephoneBranchPost	No limit	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £1 Permanent UK Resident Yes Minimum Age 18
	NatWest e-Savings	1.00%	Monthly	Easy Access	OnlineTelephoneBranchPost	£1 - No limit	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £1 Permanent UK Resident Yes Minimum Age 16
	HSBC Online Bonus Saver	0.75% AER Includes Bonus 0.75% AER includes 0.50% bonus added to standard rate (0.25% AER) during months when no withdrawals are made	Monthly	Easy Access	OnlineTelephoneBranchPost	£1 - No limit	MORE INFO Read this before you proceed. To qualify for this product you need to meet the following criteria. Minimum Investment £1 Permanent UK Resident Yes Minimum Age 16

Accounts with an asterisk next to the AER interest have a bonus applied to the interest rate, place your mouse cursor over the asterisk to view the bonus.

More about easy access savings accounts

In our easy access section you'll find some savings accounts that let you draw out your money without giving any notice, others where you can draw out as much money as you like in any one transaction and more still that allow you to do both.

The price you pay for this kind of freedom is a lesser interest rate, meaning you get a lower return on your money. However, the rate you do get it is likely to be bigger than with a current account, as well as separating it from your living funds. Therefore it's definitely worth putting any rainy day cash away into an easy access account.

Just like any other type, an easy access savings account should be held as a portfolio of different banking products, made up to suit your unique financial situation. This could also potentially include current accounts, fixed term investments, and regular savings.

If you think that you might need to call on any or all of your savings, at any time, then you'll need to go for the completely free access option. If, though, you're fairly confident that you'll only need to draw on it, say, once or twice in a year, you can go for an account with a limited number of withdrawals of any amount. Finally, vice versa, you may want to take money out sporadically but know it will never be more than a certain amount - you'll usually find an account on the market to fit.

If you do have limited withdrawals and you need to break the terms you usually can - but your interest will be penalised!

Find out more about different types of savings accounts in our guide.

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