Easy Access

Harpenden Building Society Online Single Access Review

One of the best-paying easy access accounts, from Harpenden Building Society. It ranks 28th of 167 easy access accounts we track.

Variable rate

4.06%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£100

Max balance

£250,000

Access

1 withdrawal, Else rate drops to 1.35%

Interest paid

Annually

Rate Tiers

1 or fewer withdrawals per year

4.06%AER

2 or more withdrawals per year

1.35%AER

How It Stacks Up

Ranks 28th of 167

Easy access accounts we track

Among the best
This account 4.06%
UK CPI (Aug 2026)
3.10%
Pays 0.96% more
Average easy access
2.86%
Pays 1.20% more
Best easy access
5.00%
Pays 0.94% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.49% more than this Harpenden Building Society account
Compare Easy Access Accounts

We may earn a commission if you open this account.

Worth Weighing Up

  • Con: The rate is variable, so it can go down

Please verify all details with the provider – see our Disclaimer

See all Harpenden Building Society accounts

Estimated returns with Harpenden Building Society's Easy Access

What you could earn with Harpenden Building Society's Online Single Access.

Estimated interest

£1,000 saved

£40.60

At 4.06% AER

£5,000 saved

£203

At 4.06% AER

£10,000 saved

£406

At 4.06% AER

£250,000 saved

£10,150

At 4.06% 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 Single Access

Jan WatermannCo-Founder, DepositScout

Harpenden Building Society's Online Single Access pays 4.06%, which sits above the easy access market average but is 0.94% behind the category leader at 5.00%, so it is decent rather than exceptional. It does beat August 2026 CPI of 3.1% by 0.96%, which at least keeps your money growing in real terms. The account suits savers who are disciplined about not dipping in, because a second withdrawal in any year collapses the rate to 1.35%, making the single-access restriction the one catch worth taking seriously. You need at least £100 to open and can hold up to £250,000.

Compare Easy Access Accounts

2 alternatives to Harpenden Building Society's Online Single Access

Same type of account, closest on rate.

Common questions about the Online Single Access

D

DepositScout Alerts

Example alert

Easy Access rate just dropped

A top provider just cut their rate. Here's what you need to know about the latest market shift.

Example Easy Access Saver Rate Down
4.20% AER
4.75%
View Best Rates
Live Market Tracking

Be the first to know when this Harpenden Building Society rate drops.

Join 1,000+ savers using DepositScout who get instant email alerts when top UK savings rates change. Never miss out on a better deal again.

Takes 30 seconds · No spam · Unsubscribe any time