Limited Access

Melton Building Society Limited Access Saver Review

A competitive limited access account from Melton Building Society, with a £1,000 minimum deposit. It ranks 9th of 18 limited access accounts we track.

Variable rate

3.25%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1,000

Max balance

No limit

Access

Limited to 3 withdrawals/year

Interest paid

Annually

How It Stacks Up

Ranks 9th of 18

Limited access accounts we track

Above average
This account 3.25%
UK CPI (Aug 2026)
3.10%
Pays 0.15% more
Average limited access
3.12%
Pays 0.13% more
Best limited access
4.25%
Pays 1.00% less

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

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A Good Fit For

  • Pro: New and existing savers

Worth Weighing Up

  • Con: The rate is variable, so it can go down
  • Con: You need at least £1,000 to open it

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Estimated returns with Melton Building Society's Limited Access

What you could earn with Melton Building Society's Limited Access Saver.

Estimated interest

£1,000 saved

£32.50

At 3.25% AER

£5,000 saved

£162

At 3.25% AER

£10,000 saved

£325

At 3.25% AER

£50,000 saved

£1,625

At 3.25% 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 Melton Building Society Limited Access Saver

Jonny PeaseCo-Founder, DepositScout

Melton Building Society's Limited Access Saver pays 3.25%, which edges just 0.15% above the current CPI rate of 3.1% for Aug 2026, so your money is barely keeping pace with inflation in real terms. The account suits savers who want a straightforward easy-access-style home for at least £1,000 but can live within a strict limit of three withdrawals per year, since exceeding that is the main structural catch here. I have no market comparison data to hand, so I cannot say how this stacks up against competitors, and I would check the wider market before committing.

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Common questions about the Limited Access Saver

D

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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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