Easy Access

Monument Bank Easy Access Savings Review

A competitive easy access account from Monument Bank, with a £25,000 minimum deposit. It ranks 74th of 194 easy access accounts we track.

Variable rate

3.52%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£25,000

Max balance

£2,000,000

Access

Instant, via app

Interest paid

Monthly

How It Stacks Up

Ranks 74th of 194

Easy access accounts we track

Above average
This account 3.52%
UK CPI (Aug 2026)
3.10%
Pays 0.42% more
Average easy access
2.86%
Pays 0.66% more
Best easy access
5.50%
Pays 1.98% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 1.03% more than this Monument Bank account
  • Instant access, open with £10
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A Good Fit For

  • 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
  • Con: You need at least £25,000 to open it

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Estimated returns with Monument Bank's Easy Access

What you could earn with Monument Bank's Easy Access Savings.

Estimated interest

£25,000 saved

£880

At 3.52% AER

£50,000 saved

£1,760

At 3.52% AER

£2,000,000 saved

£70,400

At 3.52% 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 Monument Bank Easy Access Savings

Jonny PeaseCo-Founder, DepositScout

Monument Bank's Easy Access Savings pays 3.52%, which beats August 2026 CPI of 3.1% by 0.42%, but sits below the easy access market average and 1.48% behind the category leader at 5.00%. The £25,000 minimum is the real catch here, so this account suits higher-balance savers who want app-based instant access and monthly interest. If you cannot meet that floor, Kent Reliance's Easy Access account pays 3.75% and is worth checking instead.

Compare Easy Access Accounts

2 alternatives to Monument Bank's Easy Access Savings

Same type of account, closest on rate.

Common questions about the Easy Access Savings

D

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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%
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