Easy Access

Revolut Instant Access Savings Review

One of the best-paying easy access accounts, from Revolut. It ranks 30th of 152 easy access accounts we track.

Variable rate

4.00%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

Daily

Rate Tiers

Ultra – up to £200,000

4.00%AER

Ultra plan: £55/month

Ultra – above £200,000

3.51%AER

Ultra plan: £55/month; blended rate applies above £200,000

How It Stacks Up

Ranks 30th of 152

Easy access accounts we track

Among the best
This account 4.00%
UK CPI (Aug 2026)
3.10%
Pays 0.90% more
Average easy access
2.83%
Pays 1.17% more
Best easy access
5.00%
Pays 1.00% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.55% more than this Revolut account
  • Instant access, open with £10
Compare Easy Access Accounts

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Pros and cons

  • Pro: Savers who want instant access
  • Con: The rate is variable, so it can go down

Good to Know

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Estimated returns with Revolut's Easy Access

What you could earn with Revolut's Instant Access Savings.

Estimated interest

£1,000 saved

£40.00

At 4% AER

£5,000 saved

£200

At 4% AER

£10,000 saved

£400

At 4% AER

£50,000 saved

£2,000

At 4% 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 Revolut Instant Access Savings

Jonny PeaseCo-Founder, DepositScout

Revolut's Instant Access Savings pays 4.00%, but only if you're on the Ultra plan at £55 a month, and the rate drops to 3.51% on balances above £200,000. That 4.00% sits 1.00% below the easy access market leader at 5.00%, which puts it below the market average, so I wouldn't call this a strong rate on its own merits. It does beat CPI inflation of 3.1% by 0.90%, which is something, but if you want instant access without a monthly subscription fee, First Active's Instant Access Savings Account pays 4.05% or Virgin Money's Double Take E-Saver pays 4.16%.

2 alternatives to Revolut'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%
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