Last updated: 28 October 2026. I checked every rate on this list of the best easy access savings accounts on the provider's own website on 28 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.
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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 20 accounts, from savings apps and challenger banks to the big high street names, and worked out what £10,000 actually earns in each one over the first year and the year after.
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