Deposit or withdraw your money whenever you need to
You can earn interest with an easy access account, which means your money grows over time. Most easy access accounts let you take out money whenever you like, while others may give you a higher interest rate by limiting the amount of times you can take money out.
How to apply
To open a savings account with us, you can apply either online or in one of our branches (as detailed in the individual product information). Simply click 'Find out more' on a product you're interested in below for further details.
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Open with: £1 and invest up to: £1 million (plus any resulting interest)
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Variable rate of interest
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Withdrawals and transfers can be made penalty free without notice
Apply online or in branch
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Open with £1
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Variable rate of interest
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Take money out: anytime
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Tax-free savings
Apply online or in branch
Tax-free refers to the contractual rate of interest payable, where interest is exempt from income tax. The tax information provided is based on the current law and HM Revenue & Customs practice, both of which may change. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest were paid and added to your account each year.
Gross interest is the contractual rate of interest, without the deduction of tax. AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest were paid and added to your account each year. It is your responsibility to pay any tax due, based on your individual circumstances.
Easy access savings accounts: Frequently Asked Questions
Easy access accounts are flexible savings accounts that allow you to grow your savings, without tying your money in for a fixed term. You can add or withdraw your money at any time, this can be useful if you need to dip into your savings regularly.
Access
One of the biggest advantages of putting your money into an easy access account is the flexibility it offers. You can still access your money when you need to whilst earning more interest than if you left the money in your current account.
Interest rates
Easy access accounts usually have lower interest rates then fixed rate accounts. This does mean you're likely to earn less interest than you would if you had your savings in a fixed rate account.
Withdrawals
Whilst most easy access accounts let you make as many withdrawals as you need, some accounts may limit the number of withdrawals you can make each month or year. This is always detailed in the product information.
Deposits
Most easy access accounts can be opened with as little as £1. Making them a good starting place for those who want to start saving.
An easy access savings account may be a good choice for you if:
- You might need access to your savings soon
- You want to keep your savings separate from your current account
- You want to be able to top up and withdraw at any time
To open a savings account with us, you can apply either online or in one of our branches (as detailed in the individual product information). Simply click 'Find out more' on a product you’re interested in for further details.
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