Easy Access

Bath Building Society Instant Access Review

An easy access account from Bath Building Society. It ranks 89th of 152 easy access accounts we track.

Variable rate

2.50%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£500,000

Access

Instant

Interest paid

Yearly

Rate Tiers

£1 - £100,000

2.50%AER

£100,000.01+

0.00%AER

How It Stacks Up

Ranks 89th of 152

Easy access accounts we track

Below average
This account 2.50%
UK CPI (Aug 2026)
3.10%
Pays 0.60% less
Average easy access
2.83%
Pays 0.33% less
Best easy access
5.00%
Pays 2.50% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 2.05% more than this Bath Building Society account
  • Instant access, open with £10
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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

Worth Weighing Up

  • Con: The rate is variable, so it can go down

Good to Know

You do not earn any interest on money in the account over £100,000.

Please verify all details with the provider – see our Disclaimer

See all Bath Building Society accounts

Estimated returns with Bath Building Society's Easy Access

What you could earn with Bath Building Society's Instant Access.

Estimated interest

£1,000 saved

£25.00

At 2.5% AER

£5,000 saved

£125

At 2.5% AER

£10,000 saved

£250

At 2.5% AER

£500,000 saved

£12,500

At 2.5% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Bath Building Society Instant Access

Jonny PeaseCo-Founder, DepositScout

Bath Building Society's Instant Access account pays 2.50%, which is below the easy access market average and 2.50% behind the category leader at 5.00%. The rate also falls 0.60% short of CPI inflation at 3.1%, so in real terms your money is losing purchasing power. One hard stop to note: balances above £100,000 earn 0.00%, so anyone depositing close to the £500,000 maximum would be leaving a lot of interest on the table. If you want a straightforward easy access account, Tandem Bank's Instant Access Saver at 3.40% is worth a look first.

Compare Easy Access Accounts

2 alternatives to Bath Building Society's Instant Access

Same type of account, closest on rate.

Common questions about the Instant Access

D

DepositScout Alerts

2 minutes ago

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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