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Instant Access Accounts

Instant access (or easy access) accounts offer flexible savings with no disadvantages for withdrawing money. These account feature variable interest rates that can change.

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Key Features

Instant access (or easy access) accounts offer flexible savings for withdrawing money. These account feature variable interest rates that can change.

Ideal for emergency funds – they allow instant deposits or withdrawals, with some requiring minimum balances. Interest is often paid annually or monthly, with rates sometimes tiered based on balance.

Provide unlimited or very flexible withdrawals, though some accounts may limit them
Interest rates are generally variable, meaning they can rise or fall based on the Bank of England’s base rate
Provide various access methods: Accounts can be managed online, by phone, or in-branch
Minimum/Maximum Deposit: Accounts can be opened with as little as £1, while others require up to £1,000 to start earning top rates
Personal Savings Allowance allows for tax-free interest up to £5,000 for 2025/26, depending on income, though this is part of the overall Personal Savings allowance

Available to new customers/ existing customers?

New and Existing Customers Existing Customers Only

Term (Description)

0-1 Years 2-3 Years 3+ Years No Restrictions

Starting Balance (How much you’ll open with):

£0 £100,000+

Monthly Savings (How much you’ll put in a month):

£0 £100,000+

Instant Access Accounts

18-30 Regular Saver (Issue 1)

Interest Rate

6.00%

PA / AER | Variable

Minimum Deposit

£10

You must fund the account with a minimum balance of £10 within 30 days of account opening, otherwise your application may be cancelled. Maximum monthly deposit: £200.

Suitable For

Regular savings will help build a consistent monthly savings habit

Account Opening

Online

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Instant Access Accounts

Online Single Access (Issue 3)

Interest Rate

4.06% – 1.35%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You are planning to start saving with a small amount or prefer to make regular or ad-hoc deposits

Account Opening

Online

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Instant Access Accounts

Hart Saver account (Issue 1)

Interest Rate

3.96%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

Local community – for people living at a residential address with an AL, HP, LU or WD postcode.

Account Opening

Branch

Post

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Instant Access Accounts

Online Instant Access (Issue 3)

Interest Rate

3.40%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You want to be able to take your money out straight away or on the same day, with no charges

Account Opening

Online

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Instant Access Accounts

Triple Access Saver (Issue 1)

Interest Rate

2.70% – 1.10%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You are planning to start saving with a small amount or prefer to make regular or ad-hoc deposits

Account Opening

Branch

Online

Post

Learn More

Instant Access Accounts

Instant Access Account (Issue 1)

Interest Rate

1.40%

PA / AER | Variable

Minimum Deposit

£100

Please note that you must fund the account with the minimum balance of £100 within 30 days of account opening, otherwise your application may be cancelled.

Suitable For

You have a need for immediate and unlimited access – you want to withdraw money instantly or on the same day

Account Opening

Branch

Online

Post

Learn More

* The gross rate (PA) is the rate before deducting tax at the rate applicable to savings income. The annual equivalent rate (AER) is a notional rate which illustrates what the gross interest rate would be if the interest was paid and added to the account annually.

The information contained in this table forms part of the terms and conditions of the account and should be read in conjunction with our General Savings Account Terms and Conditions for Retail Savings Accounts.

Some help & guidance

Savings FAQs

Find clear answers to our most frequently asked questions, designed to help you make your savings journey as simple as possible.

Find Out More

Jargon Buster

Financial jargon can be confusing sometimes. Our jargon buster breaks down some of the common savings terms and abbreviations.

Find Out More

Forms & Documents

Here you will find some useful savings forms and further information documents to help you manage your savings accounts.

Find Out More

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Instant Access Accounts

Key Features