Easy Access

Metro Bank Instant Access Savings Review

An easy access account from Metro Bank. It ranks 144th of 152 easy access accounts we track.

Variable rate

0.90%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

No limit

Access

Instant

Interest paid

Monthly

How It Stacks Up

Ranks 144th of 152

Easy access accounts we track

Well below average
This account 0.90%
UK CPI (Aug 2026)
3.10%
Pays 2.20% less
Average easy access
2.83%
Pays 1.93% less
Best easy access
5.00%
Pays 4.10% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 3.65% more than this Metro Bank account
  • Instant access, open with £10
Compare Easy Access Accounts

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access
  • Pro: Savers who want a monthly income

Worth Weighing Up

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

Good to Know

Unlimited access; max £2m

Please verify all details with the provider – see our Disclaimer

See all Metro Bank accounts

Estimated returns with Metro Bank's Easy Access

What you could earn with Metro Bank's Instant Access Savings.

Estimated interest

£1,000 saved

£9.00

At 0.9% AER

£5,000 saved

£45.00

At 0.9% AER

£10,000 saved

£90.00

At 0.9% AER

£50,000 saved

£450

At 0.9% 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 Metro Bank Instant Access Savings

Jonny PeaseCo-Founder, DepositScout

Metro Bank's Instant Access Savings pays 0.90%, which is below the easy access market average and 4.10% behind the category leader at 5.00%. At current CPI of 3.1%, this rate leaves your money losing real value at 2.20% a year, so it is hard to recommend for anyone focused on returns. The account opens with just £1 and interest is calculated daily and paid monthly, which is tidy, but savers who want instant access can do considerably better elsewhere, with Tandem Bank's Instant Access Saver at 3.40% as one alternative worth considering.

2 alternatives to Metro Bank's Instant Access Savings

Same type of account, closest on rate.

Common questions about the Instant Access Savings

D

DepositScout Alerts

2 minutes ago

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%
View Best Rates
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