Best Instant Access Savings Accounts this May 2026 in the UK

What sets this account apart is its boosted interest rate of 4.5% AER, which includes a fixed boost for the first 12 months. This makes it an attractive option for those looking to maximize their savings while enjoying the flexibility of easy access.

The standout feature here is the competitive interest rate of 4.68% AER, which is available for new customers. This account offers the added benefit of zero account fees, making it an excellent choice for those looking to save tax-free.

Yes, Trading 212's Cash ISA is protected by the FSCS, safeguarding up to £85,000 of your savings per person, per institution.

In the unlikely event of Trading 212's failure, your investments are protected by the FSCS for up to £85,000, which includes both cash and investments.

Yes, Trading 212 requires your NI number to report account activity to HMRC, ensuring compliance with the ISA limit and tax regulations.

This account shines for its high interest rate of 5.00% AER, which is particularly appealing for savers looking for flexibility. With no monthly fees and easy access to funds, it provides a great option for those saving for specific goals.

You can have a maximum of two cahoot Sunny Day Saver accounts: one in your sole name and one jointly with someone else.

A key differentiator is the £30 bonus offered for new customers who deposit £1,000, making it an attractive option for those looking to earn extra on their savings. The account's linkage to the Bank of England base rate ensures competitive returns.

Yes, OakNorth Bank offers an easy access savings account called the Easy Access Tracker with a 3.55% AER.

The Easy Access Tracker savings account at OakNorth Bank offers a competitive interest rate of 3.55% AER.

Yes, OakNorth Bank is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA).

This account is particularly appealing due to its flexible access and competitive interest rate of 4.16% AER. It allows savers to manage their funds easily while enjoying the benefits of no monthly fees.

Virgin Money offers an easy access savings account called the Virgin Money Easy-Access Saver, which has an AER of 4.16% and no monthly fees.

The Post Office Instant Saver offers a straightforward savings solution with easy access to funds and no monthly fees. While the interest rate is lower at 3.00% AER, it provides flexibility for those who need quick access to their savings.

The Post Office Instant Saver account allows you to open an account with as little as £100, providing access to your savings via an ATM card, online, in branch, or by post. It offers an AER of 3.00% with annual interest paid between 20 and 25 March.