It shows easy-access savings rates sitting around 4.40% up to 5%. Several well known accounts are now paying more than 4.5%.
Top Easy-Access Savings Accounts UK: UK savers can still get strong returns from easy-access savings accounts. At the moment, the top advertised rates are about 5% AER. That said, the headline number is not the whole story.
Some of the best deals come with catch points. For example, you might see an introductory bonus for a short period. There may also be limits on how much balance can earn the top rate. Because of this, it is worth checking the details, not just the figure on the front.
Moneyfacts has shared its newest comparison figures. It shows easy-access savings rates sitting around 4.40% up to 5%. Several well-known accounts are now paying more than 4.5%.
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LemFi currently has one of the highest headline easy-access rates at 5% AER, according to Moneyfacts. The rate includes a 1.89% introductory bonus for six months, meaning savers should check what rate applies once the bonus period ends.
First Active is offering 4.55% AER, including a bonus for the first year. MoneySavingExpert previously highlighted the account because it allows unlimited withdrawals and can accommodate substantially larger balances than some competing high-rate accounts.
For someone with a larger cash balance who still wants easy access, this can be more useful than an account offering a slightly higher rate but imposing a low maximum balance.
Tembo Money is also offering 4.55% AER, including a 1.55% bonus for 12 months. The account tops out at £20,000. That limit makes it a better fit for smaller savings goals.
Tesco Bank’s Internet Saver is at 4.53% AER. This includes a guaranteed 3.48% fixed bonus. The fixed bonus lasts for the first 12 months on balances up to £1 million.
You can add money and withdraw without any set limit. The minimum deposit is only £1. After the intro period ends, the rate can change. So it is worth checking the deal again before the bonus time is over.
The cahoot Simple Saver offers 4.52% AER for 12 months on balances between £1 and £500,000.
Unlike some bonus-driven accounts, it is a variable rate, meaning cahoot can change it with notice. Savers can make withdrawals whenever they like, and interest can be paid monthly or annually.
An easy-access savings account helps you earn interest while still letting you access your money sooner than with some other options.
With a fixed-rate savings account, your funds are usually tied up for a specific time. An easy access account is different because it is not locked for the same set period. That is why people often use these accounts for things like the list below:
Still, “easy access” does not always mean you can withdraw anytime without limits. Some accounts cap how many withdrawals you can make, or they may impose other rules. Read the account terms before you open it.
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Not necessarily.
Take £10,000 as a base. If it earns 5% for a full year, it will make about £500 in interest, as long as the rate does not change and the cash stays put.
With a 4.5% rate, that same £10,000 would bring in roughly £450.
So the gap is around £50 before tax. In that case, an account that pays a little less might still be the better fit, especially if it has fewer limits, a rate that stays for longer, or an easier way to withdraw funds.
One of the key points to check in September 2026.
Some easy-access deals rely on short-term add-ons to reach their main headline rate. Tesco Bank, for instance, lists 4.53% but that figure includes a fixed 3.48% bonus for 12 months. LemFi shows 5% but the boost only lasts six months. After the bonus ends, the regular rate may drop a lot.
Tip: Set a reminder about a month before the bonus period finishes, then look at other options again.
The Financial Services Compensation Scheme (FSCS) protects eligible deposits with UK-authorised banks, building societies and credit unions up to £120,000 per eligible person, per authorised firm.
The limit increased from £85,000 to £120,000 on 1 December 2025. Importantly, different banking brands can share the same banking authorisation. If they do, your deposits may count towards the same £120,000 limit.
It depends on your situation. A regular savings account could work if the interest you earn is within your Personal Savings Allowance. If you expect to pay tax on savings interest, a Cash ISA may be a better choice since the interest in an ISA is not taxed.
You can also look at easy-access Cash ISAs. Moneyfacts showed rates over 4.5% in September 2026.
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