Ranked by rate alone. No paid placements: who pays us has no say in the order.
Read from each bank's own website, 3 November 2026. Accounts open to new customers.
Easy access
Variable rates; take your money out when you like (check any withdrawal limits).
266 accounts, highest AER first
Easy access, ranked by AER, highest first. Top 5 shown
Rank#
Account
AER
Min to open
1
Santander Edge SaverFrom £1then 3.50% after 1 yearRate on up to £4,000Details for Santander Edge Saver
Access
Withdraw at any time via Online or Mobile Banking without penalty; no interest is paid on balances above £4,000.
Bonus
Includes a 2.50% bonus for 1 year, then 3.50%
Maximum
£4,000
Conditions
Must hold a Santander Edge or Edge Explorer current account (monthly fee applies). Interest only on balances up to £4,000. Includes 2.50% AER bonus for 12 months; reverts to 3.50% AER.
Interest paid
Monthly
Manage by
Online, Mobile app
FSCS licence
Santander UK plc
Deposit-taker
Santander, a trading name of Santander UK plc
Incorporated in
United Kingdom
Regulated
Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 106054)
Protection and disputes
Financial Services Compensation Scheme and Financial Ombudsman Service
Capital
Paid-up capital and reserves of £15.1bn at 31 December 2025 (annual report 2025)
Highest AER first, then the lower minimum deposit. Ranking rules version 1.2.0. AER shows what you'd earn in a year including any bonus. Rates can change at any time: check with the bank before you apply. Lifetime ISA rates are the provider's interest only; the government's 25% bonus is not in the AER. Lifetime ISAs, Junior ISAs and children's accounts are ranked only against their own kind, and Premium Bonds, which pay prizes rather than interest, are never ranked: see NS&I and Premium Bonds. NS&I accounts are backed by HM Treasury, not the FSCS. We list accounts held directly with the bank, not savings sold through apps and platforms such as Revolut, Trading 212 or Raisin. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank, what we don't list and how we're paid.
