Easy Access

Provider	Rate	Min/Max Deposit	Opening Account	Accessing Account	Interest Options	SG Verdict
z Al Rayan Bank	3.56%	£5,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly	This account pays expected profit, rather than interest, to meet Sharia law requirements.
Apply Now	3.70%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here
Apply Now	3.85%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	This account is limited to up two withdrawals within an anniversary year. If three or more withdrawals are made in the year, the rate reduces to 1% from the date of the third withdrawal. The interest rate resets to the higher rate at the next anniversary. Peterborough based Aldermore launched in 2009 and look after over £13.1bn of deposits. You can find out more about them here
Apply Now	3.82%	£1 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Added to the account	All money deposited in the Chip Instant Access Account is held by the UK authorised bank ClearBank and is eligible for the Financial Services Compensation Scheme (FSCS)
Apply Now	3.70%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid On Maturity	This product is only available via the Raisin UK savings platform. You can find out more about Raisin here
Apply Now	3.60%	£1 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Added to the account	Kroo was authorised as a bank in July 2021. Formerly known as B-Social, Kroo offers a fee free current account which pays 3.60% interest on balances up to £85,000, which are FSCS protected.
Apply Now	3.73%	£25,000 / £400,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Monthly Added to the account	Monument Bank launched in December 2021 and plans to target mass affluent individuals via its mobile app. Consequently, it has a higher minimum balance requirement than other savings providers.
z Charter Savings Bank	3.68%	£5,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Wolverhampton based Charter Savings launched in 2015. It is now part of One Savings Bank which looks after a combined £16.6bn across its Charter Savings and Kent Reliance savings brands
Chorley	3.70%	£500 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Paid 31st December Added to the account	Lancashire based Chorley were formed in 1859 and look after over £268m of savers deposits. If three or more withdrawals are made during the account year (1st Jan - 31st Dec) the rate on this account drops to 1.60%
Apply Now	3.75%	£1 / £2,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Essex based Ford Money have regularly been in our best buy tables since their launch in April 2017. The rate is variable but any changes get notified to savers who benefit from any upward movements automatically.
z Investec	3.82%	£5,000 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly	A competitive rate of interest on this straightforward easy access account. The higher minimum balance may put off savers with smaller balances
Kent Reliance	3.65%	£1,000 / £1,000,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	Kent Reliance are part of One Savings Bank, which is listed on the FTSE 250. One Savings Bank has recently completed its merger with Charter Court Financial Services and the combined group looks after £16.6bn of savings
Paragon Bank	3.75%	£1 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	The rate on this account drops to 0.75% if four or more withdrawals are made within a 12 month period Birmingham based Paragon launched in 2014 and now look after £9.3bn of savings. You can find out more about them in our banking directory here
Principality Building Society - Double Access	3.88%	£1 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Annually Added to the account Paid 1st January	Savers can only make two withdrawals per calendar year from this account. It can be closed at any time but closure counts as a withdrawal. Principality is the 6th largest building society in the UK, looking after £7.6bn of savings
Apply Now	3.60%	£100 / £250,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Part of French car giant Renault, RCI are a UK licensed bank and covered by the Financial Services Compensation Scheme You can find out more about them here
Sainsbury Bank	3.76%	£1,000 / £500,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Annually	Sainsbury’s Bank opened in 1999 and was the first supermarket bank to open in the UK. This account is limited to three withdrawals each year, otherwise the rate reduces to 1%.
Secure Trust Bank	3.85%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly	Birmingham based Secure Trust Bank look after over £2bn of deposits. They launched their first easy access account in March 2022 Find out more about them here
Shawbrook	3.75%	£1,000 / £85,000	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Away or Compounded Paid Monthly Paid Annually	Essex based Shawbrook launched in 2011 and looks after £7.84bn of savings Find out more about them here
Skipton Building Society - Double Access	3.60%	£10,000 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid on Anniversary Paid Annually	This product is limited access with only two withdrawals per year with a third withdrawal in the year acting as closure of the account. Skipton is the 4th largest building society in the UK and looks after £21bn of deposits.
West Brom	3.85%	£1 / £1m	Branch App Internet Post Telephone	Branch App Internet Post Telephone	Paid Away or Compounded Paid Monthly Paid Annually	Annual interest is paid on 31 March for accounts managed in a branch or on 30 April for accounts managed by phone/post. Monthly interest is paid on the last working day of each month (or on the first working day of the month if paid to another West Brom account). You can make up to two withdrawals each account year without charge or notice. An account year runs from 1 April to 31 March for branch accounts or from 1 May to 30 April for telephone/postal accounts. This account has a fixed maturity of 31st August 2024 West Brom is the 7th largest building society in the UK.