Easy Access

Harpenden Building Society Hart Saver account Review

A competitive easy access account from Harpenden Building Society. It ranks 46th of 167 easy access accounts we track.

Variable rate

3.81%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£100

Max balance

£100,000

Access

Instant

Interest paid

Annually

How It Stacks Up

Ranks 46th of 167

Easy access accounts we track

Above average
This account 3.81%
UK CPI (Aug 2026)
3.10%
Pays 0.71% more
Average easy access
2.86%
Pays 0.95% more
Best easy access
5.00%
Pays 1.19% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.74% more than this Harpenden 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

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Estimated returns with Harpenden Building Society's Easy Access

What you could earn with Harpenden Building Society's Hart Saver account.

Estimated interest

£1,000 saved

£38.10

At 3.81% AER

£5,000 saved

£191

At 3.81% AER

£10,000 saved

£381

At 3.81% AER

£100,000 saved

£3,810

At 3.81% 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 Harpenden Building Society Hart Saver account

Jan WatermannCo-Founder, DepositScout

The Hart Saver pays 3.81%, which beats August 2026 CPI of 3.1% by 0.71%, so your money holds its real value, just about. That said, it sits below the easy access market average and is 1.19% behind the category leader at 5.00%, which is a meaningful gap on a balance near the £100,000 maximum. The account is open to existing and new customers alike, with a low £100 minimum, so it suits cautious savers who want simplicity, though Spring's Easy Saver at 3.82% would be worth a look first.

Compare Easy Access Accounts

2 alternatives to Harpenden Building Society's Hart Saver account

Same type of account, closest on rate.

Common questions about the Hart Saver account

D

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Example Easy Access Saver Rate Down
4.20% AER
4.75%
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