Easy Access

Harpenden Building Society Online Instant Access Review

A competitive easy access account from Harpenden Building Society. It ranks 73rd of 167 easy access accounts we track.

Variable rate

3.40%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 73rd of 167

Easy access accounts we track

Above average
This account 3.40%
UK CPI (Aug 2026)
3.10%
Pays 0.30% more
Average easy access
2.86%
Pays 0.54% more
Best easy access
5.00%
Pays 1.60% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 1.15% 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 Online Instant Access.

Estimated interest

£1,000 saved

£34.00

At 3.4% AER

£5,000 saved

£170

At 3.4% AER

£10,000 saved

£340

At 3.4% AER

£250,000 saved

£8,500

At 3.4% 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 Online Instant Access

Jan WatermannCo-Founder, DepositScout

Harpenden Building Society's Online Instant Access pays 3.4%, which is 1.60% below the easy access market leader at 5.00%, and the position is below the market average, so this is not a rate to choose on yield alone. It does at least sit 0.30% above CPI inflation of 3.1% as of Aug 2026, meaning your money retains real value for now. The account suits savers who already bank with Harpenden and value the building society relationship, with a low £100 minimum and a generous £250,000 ceiling. If rate is your priority, Tandem Bank's Instant Access Saver matches 3.4% and is worth comparing directly.

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2 alternatives to Harpenden Building Society's Online Instant Access

Same type of account, closest on rate.

Common questions about the Online Instant Access

D

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Example Easy Access Saver Rate Down
4.20% AER
4.75%
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