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Instant-access savings accounts
Make the most of your money without locking it away with an instant-access savings account. Earn interest on your savings and withdraw money when you need to.
What is an instant-access savings account?
An instant or easy access savings account is also known as a flexible savings account. This account can help you to earn variable interest on your savings, without locking your money away for a fixed term.
For this level of flexibility, you're likely to earn a lower rate of interest compared to a fixed-rate account. Each withdrawal may affect the interest given.
Compare instant-access savings accounts
We offer a range of flexible accounts, with minimum deposits starting from as little as £1. You can have instant access to your money when you need it.
|
Account |
Interest rate |
Minimum deposit |
Open |
Withdrawals |
Where next? |
|---|---|---|---|---|---|
|
Account |
Interest rate 3.50% AER/3.45% tax-free variable if you make 3 or less withdrawals. 1.00% AER/tax-free variable if you make 4 or more withdrawals. Interest is paid monthly. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to an Instant Cash ISA.
|
Withdrawals Unlimited. If you make four or more withdrawals, you’ll get the lower interest rate. This is from the month you make the fourth withdrawal, until the end of the account year. |
Where next? Learn more about Club Lloyds Advantage ISA Saver. |
|
Account |
Interest rate 1.10% AER/tax-free on balances from £1 to £24,999. 1.20% AER/tax-free on balances from £25,000 to £99,999. 1.35% AER/tax-free on balances from £100,000 or more. An extra 0.30% AER/tax-free will be added if you already have a Club Lloyds or Private Banking personal current account. Interest is variable. Interest is paid twice a year. Rate applies to the full balance. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to an Instant Cash ISA. |
Withdrawals Unlimited. |
Where next? Learn more about Cash ISA Saver. |
|
Account |
Interest rate 3.50% AER/3.45% gross variable if you make 3 or less withdrawals. 1.00% AER/gross variable if you make 4 or more withdrawals. Interest is paid monthly. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to a Standard Saver. |
Withdrawals Unlimited. If you make four or more withdrawals, you’ll get the lower interest rate. This is from the month you make the fourth withdrawal, until the end of the account year. |
Where next? Learn more about Club Lloyds Advantage Saver. |
|
Account Only available for Club Lloyds current account holders. |
Interest rate 1.40% AER/gross on balances from £1 to £24,999. 1.50% AER/gross on balances from £25,000 to £99,999. 1.65% AER/gross on balances from £100,000 or more. Interest is variable. Choose to receive interest monthly, or after each year. Rate applies to the full balance.
|
Minimum deposit £1 |
Open For 1 year. Your account will then change to a Standard Saver. |
Withdrawals Unlimited |
Where next? Learn more about Club Lloyds Saver. |
|
Account Open up to 5 Easy Saver accounts, giving you different saving pots. |
Interest rate 1.10% AER/gross on balances from £1 to £24,999. 1.20% AER/gross on balances from £25,000 to £99,999. 1.35% AER/gross on balances from £100,000 or more. Interest is variable and paid after a year. The rate applies to the full balance. |
Minimum deposit £1 |
Open For 1 year. Your account will then change to a Standard Saver. |
Withdrawals Unlimited. |
Where next? Learn more about Easy Saver. |
|
Account |
Interest rate 2.85% AER/2.81% gross on balances from £1 to £5,000. 1.10% AER/1.09% gross on any excess over £5,000. Interest is variable and paid monthly. |
Minimum deposit £1 |
Open Until the child's 16th birthday. The account will then change to an adult Easy Saver. |
Withdrawals Unlimited. |
Where next? Learn more about Child Saver. |
|
Account Designed for 11 to 15 year olds, providing both a current account and savings account. You need a Club Lloyds current account to open this account for your child. |
Interest rate 2.85% AER/2.81% gross on balances from £1 to £1,000. 1.10% AER/1.09% gross on any excess over £1,000. Interest applies to the savings account only, and is paid monthly. |
Minimum deposit £1 |
Open Until the child’s 18th birthday. The savings account will then change to an adult Standard Saver. The spending account will change to an adult Classic Account. |
Withdrawals Unlimited. |
Where next? Learn more about Smart Start. |
|
Account |
Interest rate 6.25% AER/gross fixed. Interest is paid after a year.
|
Minimum deposit £25 to £400 each month. |
Open 1 year. Your account will then change to a Standard Saver. |
Withdrawals Unlimited. |
Where next? Learn more about Club Lloyds Monthly Saver. |
|
Account |
Interest rate 5.25% AER/gross fixed. Interest is paid after a year. |
Minimum deposit £25 to £250 each month. |
Open 1 year. Your account will then change to a Standard Saver. |
Withdrawals Unlimited. |
Where next? Learn more about Monthly Saver. |
|
Account If you have any of the following accounts, it'll change into a Standard Saver at the end of its term.
|
Interest rate 1.15% AER/gross on balances from £1 to £24,999. 1.25% AER/gross on balances from £25,000 to £99,999. 1.60% AER/gross on balances from £100,000 or more. Interest is variable and applies to the full balance. It is paid at the same frequency as your original savings account. |
Minimum deposit £1 |
Open There's no end date. |
Withdrawals Unlimited. |
Where next? You can't apply direct for a Standard Saver. |
|
Account If you have an adult cash ISA with us, it will change into this account at the end of its term. |
Interest rate 1.10% AER/tax-free on balances from £1 to £24,999. 1.20% AER/tax-free on balances from £25,000 to £99,999. 1.35% AER/tax-free on balances from £100,000 or more. Interest is variable and applies to the full balance. It is paid at the same frequency as your original ISA. |
Minimum deposit £1 |
Open There's no end date. |
Withdrawals Unlimited. |
Where next? You can't apply direct for an Instant Cash ISA |
Tax treatment depends on individual circumstances and may change in the future.
Interest on savings
Interest rates are subject to change. You can check current interest rates online at any time.
Why choose a Lloyds instant-access savings account?
Let’s look at the details
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How much you keep in your instant-access savings account is up to you. The more you keep in your account, the more earning potential you could have through interest.
Some accounts may have restrictions on the amount you can save. Be sure to check the terms of the account.
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Interest rates tend to be variable on an instant-access savings account. So the rate can go up or down over the year. It is based on the wider economy and the Bank of England base rate.
You may find that certain easy access savers have a higher interest rate compared to others. These may be subject to other conditions – such as being a Club Lloyds customer.
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Yes, deposits of up to £85,000 are protected by the Financial Services Compensation Scheme (FSCS).
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You can access your money whenever you need it without any fees or charges. This is useful if you need your savings in an emergency.
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