Monument Bank Welcome Saver Review4.56% AER (Sep 2026)

Easy Access from Monument Bank

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Protection

FSCS

Up to £120,000

Min balance

£25,000

Max balance

£2,000,000

Access

Instant

Interest paid

Monthly

Who Is This For

Learn more about Monument Bank

New customers of this provider
Those wanting easy access
Savers happy with a £2,000,000 cap
Savers who can deposit at least £25,000

Additional Info

The Easy Access Tracker pays a variable interest rate that tracks the Bank of England base rate. The current rate is the base rate minus 0.50% gross.

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Calculate your tax liability for this accountSee what you might pay on the interest from Monument Bank's Welcome Saver.

Estimated returns with Monument Bank's Easy Access

Want to know how much interest you will receive with Monument Bank's Welcome Saver?

Estimated interest

£25,000 saved

£1,140

At 4.56% AER

£50,000 saved

£2,280

At 4.56% AER

£2,000,000 saved

£91,200

At 4.56% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Monument Bank Welcome Saver

Monument Bank's Welcome Saver pays 4.56% and is clearly aimed at people with a meaningful lump sum to park, given the £25,000 minimum balance. The instant access and monthly interest are genuinely useful, but the key thing to understand is that after 12 months the account matures into an Easy Access Tracker, so the rate you sign up for today is not what you will be earning in year two. It is also new customers only, so if you already bank with Monument this is not available to you.
Jonny Pease (Co-Founder)DepositScout