Easy Access

Charter Savings Bank Easy Access Review

One of the best-paying easy access accounts, from Charter Savings Bank. It ranks 14th of 153 easy access accounts we track.

Variable rate

4.25%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£1,000,000

Access

Instant

Interest paid

Monthly/Annually

How It Stacks Up

Ranks 14th of 153

Easy access accounts we track

Among the best
This account 4.25%
UK CPI (Aug 2026)
3.10%
Pays 1.15% more
Average easy access
2.83%
Pays 1.42% more
Best easy access
5.00%
Pays 0.75% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.30% more than this Charter Savings Bank 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
  • Pro: Savers who want a monthly income

Worth Weighing Up

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

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Estimated returns with Charter Savings Bank's Easy Access

What you could earn with Charter Savings Bank's Easy Access.

Estimated interest

£1,000 saved

£42.50

At 4.25% AER

£5,000 saved

£212

At 4.25% AER

£10,000 saved

£425

At 4.25% AER

£1,000,000 saved

£42,500

At 4.25% 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 Charter Savings Bank Easy Access

Jan WatermannCo-Founder, DepositScout

Charter Savings Bank's Easy Access pays 4.25% and sits above the market average for easy access accounts, though it is 0.75% behind the category leader at 5.00%. The rate does beat August 2026 CPI of 3.1% by 1.15%, so your money is at least growing in real terms. One thing worth noting is that if you opt for monthly interest, the effective rate drops to 4.17% rather than the headline 4.25%, so annual payment is the better choice if you can wait. The minimum deposit is just £1, making it accessible to almost anyone who wants a straightforward instant-access home for their savings.

Compare Easy Access Accounts

2 alternatives to Charter Savings Bank's Easy Access

Same type of account, closest on rate.

Common questions about the Easy 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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