EASY ACCESS BUSINESS SAVINGS Accounts

 
Earn 4.33% AER (Variable) on Unlimited Deposits, up to £85,000 FSCS protected. *T&Cs Apply

Tide Instant Saver

  • Interest Rate
    4.33% AER (Variable)
  • Minimum Deposit
    £1
  • Maximum Deposit
    Unlimited
  • Access Type
    Easy Access
  • Access Methods
    App/Online
Product Features
  • New customers, boost your business savings with 4.33% AER variable
  • Min. deposit is £1 with Unlimited Deposits until 31/03/2025
  • Interest is paid monthly & no limits or fees on withdrawals
  • FSCS Protected for eligible deposits up to £85,000
Eligibility Criteria
  • Account holders must be a UK resident aged 18 or over
  • You are a UK sole trader or freelancer or your business is registered with Companies House as a limited company or partnership
New customers joining Tide from 1/10/24 will receive a 0.75% boost on top of the 3.5% (gross) standard rate for Tide Instant Saver accounts. The rate will revert to standard Tide Instant Saver terms on 31/03/25.
 
Earn 4.33% AER* (variable) on Instant Access Savings Pot paid monthly

Allica Bank Instant Access Savings

  • Interest Rate
    4.33% AER (Variable)
  • Minimum Deposit
    £50,000
  • Maximum Deposit
    £5M
  • Access Type
    Easy Access
  • Access Methods
    App/Online
Product Features
  • FSCS Protected for eligible deposits up to £85,000
  • Unlimited withdrawals
  • Manage your money easily via app or online banking, all backed up with UK-based phone support.
Eligibility Criteria
  • Minimum Initial Deposit – £50,000
  • Minimum Age 18 Years
  • Business must be incorporated for at least 12 months or have a loan product with Allica
You will automatically have access to Allica Instant Access Savings when you open a Business Rewards Account. Businesses keeping less than £50,000 in the account may earn a reduced rate of interest and may incur fees. T&Cs apply.
 
Winner – Money Comms Best Easy Access Business Savings

Cynergy Bank Business Saver

  • Interest Rate
    4.00% AER (Variable)
  • Minimum Deposit
    £1
  • Maximum Deposit
    £10m
  • Access Type
    Easy Access
  • Access Methods
    Online
Product Features
  • FSCS Protected for eligible deposits up to £85,000
  • Start to save with just £1, and access your money whenever you like
  • Winner – Money Comms Best Easy Access Savings Account Award
  • Apply for an account in as little as 15 minutes with a simple streamlined application process
Eligibility Criteria
  • Must be a sole trader, partnership, limited liability partnership or limited company with up to 10 partners
  • Your business is based in the UK and registered at Companies House
  • All partners are 18 or over & UK residents
Fast account opening. Apply in Minutes.

Allica Bank Easy Access Savings Account

  • Interest Rate
    4.01% AER (Variable)
  • Minimum Deposit
    £20,000
  • Maximum Deposit
    £2M
  • Access Type
    Easy Access
  • Access Methods
    App/Online
Product Features
  • FSCS Protected for eligible deposits up to £85,000
  • Apply online today
Eligibility Criteria
  • Minimum Initial Deposit – £20,000
  • Minimum Age 18 Years
  • Available for registered companies based in the UK

Revolut Business Grow Account

  • Interest Rate
    2.25% AER (Variable)
  • Minimum Deposit
    £1
  • Maximum Deposit
    £500k
  • Access Type
    Easy Access
  • Access Methods
    App/Online
Product Features
  • FSCS Protected for eligible deposits up to £85,000
  • Account fee £19 per month
  • Open an International Revolut Business account at the same time
Eligibility Criteria
  • Available for limited companies, PLCs, LLPs, Partnerships & unlimited companies
  • Currently available for companies registered in and with a physical presence within the European Economic Area (EEA), Switzerland, UK and US
  • Must open a Revolut Business Grow business bank account to access savings rate

Revolut Business Scale Account

  • Interest Rate
    2.75% AER (Variable)
  • Minimum Deposit
    £1
  • Maximum Deposit
    £1m
  • Access Type
    Easy Access
  • Access Methods
    App/Online
Product Features
  • FSCS Protected for eligible deposits up to £85,000
  • Account fee £79 per month
  • Open an International Revolut Business account at the same time
Eligibility Criteria
  • Available for limited companies, PLCs, LLPs, Partnerships & unlimited companies
  • Currently available for companies registered in and with a physical presence within the European Economic Area (EEA), Switzerland, UK and US
  • Must open a Revolut Business Scale business bank account to access savings rate

Revolut Business Enterprise Account

  • Interest Rate
    3.51% AER (Variable)
  • Minimum Deposit
    £1
  • Maximum Deposit
    £2m
  • Access Type
    Easy Access
  • Access Methods
    App/Online
Product Features
  • FSCS Protected for eligible deposits up to £85,000
  • Custom pricing for larger businesses
  • Open an International Revolut Business account at the same time
Eligibility Criteria
  • Available for limited companies, PLCs, LLPs, Partnerships & unlimited companies
  • Currently available for companies registered in and with a physical presence within the European Economic Area (EEA), Switzerland, UK and US
  • Must open a Revolut Business Enterprise business bank account to access savings rate

Refine your search

Easy Access Business Savings Accounts Guide

In the diverse world of business banking, easy access savings accounts hold a special place for UK businesses, offering a blend of flexibility and opportunity to earn interest on surplus funds. This brief guide delves into the nuances of easy access savings accounts, providing you with the information you need to choose your ideal account from our comparison tables.

Understanding Easy Access Savings Accounts

What is an Easy Access Business Savings Account?

An easy access savings account is a type of business savings account that offers both a return on your deposits and the flexibility to withdraw funds without incurring penalties. These accounts are designed for businesses that need a balance between earning interest and having immediate access to their funds.

Advantages for Businesses

The primary advantages include:

Key Features of Easy Access Accounts

Comparing Easy Access Savings Accounts

Opening an Easy Access Savings Account

Strategic Use in Business Finances

Risks and Considerations

Managing Your Easy Access Account

In Summary

Business easy access savings accounts in the UK offer a unique combination of flexibility and the opportunity to earn interest, making them a valuable tool for effective cash management in a business. They provide an ideal solution for businesses that require immediate access to their funds while still wanting to earn a return on their surplus cash. However, the variable interest rates and potential impact of inflation and economic changes are important considerations. Regular review and adaptation of your approach to using these accounts are crucial in maximizing their benefits. In the fast-paced and ever-evolving world of business finance, easy access savings accounts stand out for their blend of accessibility and earning potential, making them an essential component of a savvy business’s financial strategy.