Best instant access savings accounts

Top up your savings with some interest while still keeping full access to your money.

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Oval Money

Download Oval to supercharge your savings!

  • Market leading 1 yr fixed bond rate of 2% (until 1st March)
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  • Deposits guaranteed by the fscs
  • Early withdrawal fees apply

Updated February 26th, 2020
Name Product Account type Withdrawals Min. opening balance Interest rate Apply link
Newbury BS – Existing Member Account
Newbury BS
Variable rate
Instant access
£50
1.75% AER variable
Ipswich BS – Stepping Stone ISA
Ipswich BS
Cash ISA
Instant access
£10
1.65% AER variable
Scottish BS – Loyalty Cash ISA
Scottish BS
Cash ISA
Instant access
£1
1.65% AER variable
Scottish BS – Loyalty Cash ISA
Scottish BS
Cash ISA
Instant access
£1
1.55% AER variable
Scottish BS – Loyalty Cash ISA
Scottish BS
Cash ISA
Instant access
£1
1.5% AER variable
Newbury BS – Welcome to Newbury
Newbury BS
Variable rate
Instant access
£50
1.5% AER variable
Scottish BS – Loyalty Cash ISA
Scottish BS
Cash ISA
Instant access
£1
1.45% AER variable
Scottish BS – Loyalty Cash ISA
Scottish BS
Cash ISA
Instant access
£1
1.4% AER variable
Al Rayan Bank – Instant Access Cash ISA
Al Rayan Bank
Cash ISA
Instant access
£50
1.36% AER variable
Scottish BS – Loyalty Cash ISA
Scottish BS
Cash ISA
Instant access
£1
1.35% AER variable