Easy Access

Hargreaves Lansdown Easy Access Review

One of the best-paying easy access accounts, from Hargreaves Lansdown. It ranks 30th of 152 easy access accounts we track.

Variable rate

4.00%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Instant

Interest paid

Monthly

How It Stacks Up

Ranks 30th of 152

Easy access accounts we track

Among the best
This account 4.00%
UK CPI (Aug 2026)
3.10%
Pays 0.90% more
Average easy access
2.83%
Pays 1.17% more
Best easy access
5.00%
Pays 1.00% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.55% more than this Hargreaves Lansdown 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

Good to Know

Accessible via an Active Savings Account, opened online with a single application form. Minimum opening deposit is £1. Savings are held by the partner bank and protected up to £120,000 per banking licence.

Please verify all details with the provider – see our Disclaimer

See all Hargreaves Lansdown accounts

Estimated returns with Hargreaves Lansdown's Easy Access

What you could earn with Hargreaves Lansdown's Easy Access.

Estimated interest

£1,000 saved

£40.00

At 4% AER

£5,000 saved

£200

At 4% AER

£10,000 saved

£400

At 4% AER

£50,000 saved

£2,000

At 4% 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 Hargreaves Lansdown Easy Access

Jonny PeaseCo-Founder, DepositScout

Hargreaves Lansdown is a marketplace, so the 4.00% rate here is a gateway into savings accounts held with partner banks rather than a direct HL deposit. That rate sits 1.00% below the easy access market leader at 5.00% and is below the market average, which is a meaningful gap to leave on the table. It does beat August 2026 CPI of 3.1% by 0.90%, and the cashback offer of up to £4,000 depending on deposit size may appeal to some. If you want a straightforward easy access account, First Active at 4.05% or Virgin Money at 4.16% are worth a look first.

Compare Easy Access Accounts

2 alternatives to Hargreaves Lansdown'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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