Easy Access

Harpenden Building Society Instant Access Account Review

An easy access account from Harpenden Building Society. It ranks 142nd of 167 easy access accounts we track.

Variable rate

1.40%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£100

Max balance

£250,000

Access

Instant

Interest paid

Annually

How It Stacks Up

Ranks 142nd of 167

Easy access accounts we track

Well below average
This account 1.40%
UK CPI (Aug 2026)
3.10%
Pays 1.70% less
Average easy access
2.86%
Pays 1.46% less
Best easy access
5.00%
Pays 3.60% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 3.15% 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 Instant Access Account.

Estimated interest

£1,000 saved

£14.00

At 1.4% AER

£5,000 saved

£70.00

At 1.4% AER

£10,000 saved

£140

At 1.4% AER

£250,000 saved

£3,500

At 1.4% 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 Harpenden Building Society Instant Access Account

Jan WatermannCo-Founder, DepositScout

Harpenden Building Society's Instant Access Account pays 1.4%, which is below the market average for easy access accounts and 3.60% behind the category leader at 5.00%. It also fails to keep pace with inflation, sitting 1.70% below CPI of 3.1% as of Aug 2026, so your money is losing real value. This account opens with just £100, which suits smaller savers, but anyone with a larger pot would be better served elsewhere, with Monzo's Instant Access Savings paying 2.75% or NS&I's Investment Account at 2.05% both available as straightforward alternatives.

Compare Easy Access Accounts

2 alternatives to Harpenden Building Society's Instant Access Account

Same type of account, closest on rate.

Common questions about the Instant Access Account

D

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Example Easy Access Saver Rate Down
4.20% AER
4.75%
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