Best Rate savings accounts Non-internet savings accounts
The table below shows the best non-internet instant-access savings accounts currently available. If you haven't used your cash Isa allowance this year, you could get a better deal tax-free with a Best Rate instant-access cash Isa.
| Provider | AER AER help | Bonus rate | Access Access help | Min deposit | Customer score Customer score help | Find out more |
|---|---|---|---|---|---|---|
| Aldermore Easy Access Issue 2  | 2.75% | n/a |
| £1,000 | 62% |  |
| AA Telephone Saver Issue 1  | 3.00% | 2.50% (12 months) |
| £10,000 | 60% | |
| Virgin Money Easy Access Saver Issue 2  | 2.60% | n/a |
| £1 | n/a | |
| Sainsbury's Finance Extra Saver  | 2.50% | n/a |
| £1 | 52% | |
| Scottish Widows Bank Instant Saver  | 2.50% | 0.59% (12 months) |
| £1 | 50% | |
| Shepshed BS Postal Account 4  | 2.50% | n/a |
| £1,000 | n/a | |
| BM Savings Telephone Extra Issue 4 2  | 2.40% | 1.90% (12 months) |
| £1 | 55% | |
| Saga Telephone Saver Issue 4  | 2.40% | 1.90% (12 months) |
| £50 | 60% | |
| Marks & Spencer Money Everyday Savings  | 2.35% | 1.00% (12 months) |
| £1 | 57% | |
Help
AER
AER is annual equivalent rate and shows how much interest you'll receive in one year.
Access
Key:
- Branch
- Internet
- Postal
- Telephone
Customer score
Which? member score based on customer satisfaction and likelihood of recommending company to friend/family member.
Wherever we display an “APPLY NOW” button in the above table, that company pays us a small fee each time someone clicks on the button. These payments do not influence whether a product is in the table, where it appears, or whether it continues to do so. Our Best Rates tables are compiled by our independent researchers. All revenue raised from these tables is reinvested in our research and campaigning work on behalf of all UK consumers.
How we choose our Best Rate savings accounts
Which? Best Rate Savings accounts offer the best rates on the market, subject to the following conditions:
- Providers must be fully covered by the Financial Services Compensation Scheme (FSCS)
- All bonuses must be payable for at least 12 months
- There must be no restrictions on withdrawals from instant access accounts
- All of our Best Rate accounts are standalone (not tied to the purchase of another product and not available via third-party organisations or comparison sites) and available nationally, but it's worth checking the rates paid by smaller building societies in your area to see if they can do a little better
- Accounts are available at a branch, by post, phone or internet and all displayed show the annual effective rate (AER) before tax. With most, you have to wait a few days to get at your savings – until either the cheque arrives or the money has been transferred to another account. However, if you need instant access to your money, choose an account with a cashcard
Which? Recommended Providers and Which? warning
Which? Recommended Providers (WRPs) are companies that are both rated highly by our members and have products that meet the high standards of our researchers. Which? closely monitors the products and practices of all Recommended Providers and reserves the right to exclude any company that does not treat its customers fairly. Follow the link for a full list of WRPs.
We also understand that for many people, finding products with the best rate is a priority. But where a product from a provider with a poor service score appears in our Best Rate tables, we'll highlight this with the warning logo. By naming and shaming providers which customers judge to offer poor satisfaction in these tables, we hope that companies improve their standards.
- For a personalised solution, call our experts on the Money Helpline
- Or for an alternative option take a look at our best rate cash isa reviews
- Make sure you're getting the best possible savings rate with our Savings Rate Booster
