Flexible Easy Access Savings Accounts
Earn competitive interest while keeping full control of your money. Withdraw whenever you need.
Compare Easy Access Savings optionsReady to compare Easy Access Savings?
Run a full market comparison before you commit. It takes about five minutes and there's no obligation to apply.
About easy access savings
Easy access accounts allow you to deposit and withdraw money at any time.
They are the best home for your emergency fund or short-term savings.
What affects easy access savings
- Current rate
- Withdrawal limits
- App vs Web access
- Minimum balance
Why compare Easy Access Savings with us
Total Flexibility
No notice required for withdrawals.
Competitive Rates
Currently around 4-5% AER.
Top Easy Access
Leading market rates.
| Bank | AER Rate | Condition |
|---|---|---|
| Chip | 4.84% | App only |
| Post Office | 4.60% | Online |
Access Comparison
How flexible are they?
| Type | Restriction |
|---|---|
| Pure Easy Access | None |
| Limited Access | 2-3 withdrawals/year |
Expert advice
UK consumer finance is strictly regulated to protect you. Always check for FCA authorisation.
“Every pound of your emergency fund should be in an easy-access account earning at least 4%.”
Easy Access Savings: pros and cons
Pros
- Emergency ready
- Low entry barrier (£1+)
- Easy to manage
Cons
- Variable rates can drop
- Lower than fixed rates
- Temptation to spend
Choosing Easy Access Savings
Check the small print for withdrawal limits — 'easy access' doesn't always mean unlimited.
- 1
Check for withdrawal caps
Some 'easy' accounts limit you to 3 per year.
- 2
Look for app features
Chip and Plum offer automated saving.
Compare Easy Access Savings
See what's available for your business today. It takes just minutes.
Steps for Easy Access Savings
Easy access accounts are usually ready to use the same day.
1. Download app/Open site
Register your details.
2. Link bank account
Transfer your first pound.
Important considerations
Variable rates mean you must keep an eye on competitors.
Interest is taxable if you exceed your Personal Savings Allowance.
Our Easy Access Savings guide
We compare easy-access rates across UK banks and apps so your emergency fund earns as much as possible while staying instantly available.
We flag accounts with hidden withdrawal caps, since some 'easy access' products limit you to two or three withdrawals a year.
How to open an easy access account
1
Compare current AER
Rates on easy-access accounts change often — check today's best rate.
2
Check withdrawal rules
Confirm there's no cap on the number of free withdrawals.
3
Link and transfer
Most apps verify your identity and accept a first deposit within minutes.
Why choose Grow Your Business?
Wide choice of providers
We compare a broad range of UK providers so you can find the option that actually fits how your business operates.
Exclusive offers
We work hard to bring you exclusive deals, switching incentives and cashback where they're available.
Simple and fast
It takes just a few minutes to compare with us — and the deal you find could be well below what you pay today.
Types of Easy Access Savings
Different options for different needs.
Check for withdrawal caps
Some 'easy' accounts limit you to 3 per year.
Look for app features
Chip and Plum offer automated saving.
Providers we compare
Logos are for identification only. Check individual provider terms for full details.
Chip
TandemComparing with us is a no-brainer
“I use a pot system in my easy access account to save for holidays.”
Liam, Belfast
Easy Access Savings guides
Easy Access Savings FAQs
Is there a limit to withdrawals?
Depends on the account; check the small print.
How fast is the transfer?
Usually instant via Faster Payments.
Written by the Grow Your Business editorial team · Updated 26 July 2026