Easy-access savings & Cash ISAs in the UK
An easy-access savings account pays a variable AER and lets you withdraw any time. A Cash ISA does the same but interest is tax-free within your ISA allowance. Deposits at UK-authorised banks are FSCS-protected up to £120,000 per person, per banking licence.
Comparison
| Product | Rate / return | Cost | Conditions | Promo end | Protection | Risk | Verified | Link |
|---|---|---|---|---|---|---|---|---|
| Marcus (UK) – Online Savings Account | 3.75% AER / 3.69% gross variable, incl. 0.49% bonus for 12 months (3.24% AER without bonus) | No fees or charges | From £1; up to £250,000. | Bonus: 12 months | FSCS up to £120,000 per person, per authorised bank | low UK-authorised bank | ✅ official source for Marcus (UK) – Online Savings Account | |
| NS&I – Direct Saver | 3.75% gross/AER variable | No fees (per NS&I) | Easy access online. | pending verification | 100% backed by HM Treasury | low Government-backed | ✅ official source for NS&I – Direct Saver | |
| NS&I – Direct ISA (Cash ISA) | 3.80% tax-free/AER variable | No fees (per NS&I) | £1 to £20,000 in the 2026/27 tax year. | pending verification | 100% backed by HM Treasury | low Government-backed | ✅ official source for NS&I – Direct ISA (Cash ISA) | |
| Chase UK – Saver | pending verification | pending verification | Official page could not be read this week. | pending verification | FSCS up to £120,000 per person, per authorised bank | low UK-authorised bank | ⏳ pending verification official source for Chase UK – Saver | |
| Revolut UK – Savings | pending verification | pending verification | Check which Revolut entity holds your money and whether FSCS applies. | pending verification | pending verification | medium Protection depends on product/entity | ⏳ pending verification official source for Revolut UK – Savings | Open Revolut →referral link: we may receive a bonus if you sign up |
| Trading 212 – Interest on cash | pending verification | pending verification | Official page blocked automated checks. | pending verification | pending verification | medium Protection depends on where cash is held | ⏳ pending verification official source for Trading 212 – Interest on cash |
Order: as collected, not a sponsored ranking. "Pending verification" values could not be confirmed on the official website and must not be used to decide. Sources: "official source" link in each row · how we read protection.
Not sure whether to save or invest? Take the Save, invest or both? quiz or read the basics.
Frequently asked questions
Which easy-access account pays the most?
It changes often. Each rate in the table links to its official page with the date checked; bonus rates and their end dates are shown separately.
What is AER?
Annual Equivalent Rate: the yearly rate including compounding. Compare accounts by AER.
Is FSCS per brand or per bank?
Per authorised bank (banking licence). Some brands share one licence, so check the FSCS website.