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
Instant Access Accounts Available
18-30 Regular Saver (Issue 1)
Online Single Access (Issue 3)
Hart Saver account (Issue 1)
Online Instant Access (Issue 3)
Instant Access Account (Issue 2)
* 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.
Jargon Buster
Financial jargon can be confusing sometimes. Our jargon buster breaks down some of the common savings terms and abbreviations.
Forms & Documents
Here you will find some useful savings forms and further information documents to help you manage your savings accounts.
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