Last updated: 21 October 2026. I checked every rate on this list of the best easy access savings accounts on the provider's own website on 20 October 2026.
By Stiv · Design, technology and personal finance
Affiliate disclosure: This article contains affiliate and referral links, which are paid links. If you click one and buy or sign up, I earn a commission or referral bonus at no extra cost to you. Brands don't choose what I feature or what I say about them.
This is not financial advice, and CoolCuration is not authorised by the Financial Conduct Authority. Every rate here is variable and can change after I checked it, so confirm the rate on the provider's own page before you move any money.
Want the £50 Chip bonus?
Join Chip with a referral code by 31 October 2026, pay £1,000 into its Instant Access or Prize Savings account, keep it there for 90 days, and you get £50. The code and the full steps are on my Chip referral page.
The top easy access rates, and what each pays once its bonus ends
The best easy access savings accounts this month pay up to 5.00% AER, the Annual Equivalent Rate, which is the rate after a year of interest on interest. But almost every account near the top gets there with a bonus that lasts three, six or twelve months. So I took ten accounts and worked out what £10,000 actually earns in each one over the first year and the year after.
Read more
