What interest rate does the Hanley Economic BS Instant Access and Local Charity Saver pay?

The Hanley Economic BS Instant Access and Local Charity Saver pays 0.86% AER variable. Up to 1.20% on some tiers.

How much interest could I earn?

Saving £10,000 for 1 year would earn about £86.00 at 0.86% AER. This assumes the rate stays the same and interest stays in the account.

Is my money protected?

Yes. Eligible deposits are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person, per banking licence.

How does it compare with other easy access accounts?

At 0.86% AER it ranks 146th of 152 easy access accounts we track. The best pays 5.00% and the average is 2.83%.

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Easy Access

Hanley Economic BS Instant Access and Local Charity Saver Review

An easy access account from Hanley Economic BS. It ranks 146th of 152 easy access accounts we track.

Rate checked Oct 2026Got this account? Leave a review

Variable rate

0.86%AER

Up to 1.20% on some tiers

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£0

Max balance

No limit

Access

Instant

Interest paid

Annually

Rate Tiers

Up to £100

0.86%AER

£100 – £9,999.99

0.90%AER

£10,000 – £24,999.99

0.95%AER

£25,000 – £49,999.99

1.00%AER

£50,000 – £99,999.99

1.10%AER

£100,000+

1.20%AER

How It Stacks Up

Ranks 146th of 152

Easy access accounts we track

Well below average

This account 0.86%

UK CPI (Aug 2026): 3.10%; Pays 2.24% less
Average easy access: 2.83%; Pays 1.97% less
Best easy access: 5.00%; Pays 4.14% less

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

A better-paying alternative

Tembo

HomeSaver

4.55%

AER

Pays 3.69% more than this Hanley Economic BS account
Instant access, open with £10

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Pros and cons

Pro: Savers who want instant access
Con: The rate is variable, so it can go down

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See all Hanley Economic BS accounts

Estimated returns with Hanley Economic BS' Easy Access

What you could earn with Hanley Economic BS's Instant Access and Local Charity Saver.

Estimated interest

£1,000 saved

£9.00

At 0.9% AER

£5,000 saved

£45.00

At 0.9% AER

£10,000 saved

£95.00

At 0.95% AER

£50,000 saved

£550

At 1.1% 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 Hanley Economic BS Instant Access and Local Charity Saver

Jonny PeaseCo-Founder, DepositScout

This account is aimed at savers who want to support local charities through their building society, but the rate is well below where it needs to be for most people. Even at the top tier of £100,000 or more you only earn 1.20%, and the headline 0.86% sits 4.14% behind the easy access market leader at 5.00%, which is a substantial gap. At 0.86% you are also 2.24% below current CPI inflation of 3.1%, meaning your money is losing real value. If the charitable angle does not matter to you, Tandem Bank's Instant Access Saver at 3.40% is a more straightforward option worth considering.

Compare Easy Access Accounts

2 alternatives to Hanley Economic BS's Instant Access and Local Charity Saver3 alternatives to Hanley Economic BS's Instant Access and Local Charity Saver

Same type of account, closest on rate.

Common questions about the Instant Access and Local Charity Saver

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Easy Access rate just dropped

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Nationwide FlexSaver Rate Down

4.20% AER

4.75%

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