Saga Easy Access Savings Account Review4.25% AER (Sep 2026)

Easy Access from Saga

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Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£1,000,000

Access

Instant

Interest paid

Monthly

The Rate You'll Get

Learn more about Saga

New customers

Bonus

4.25%

AER

Includes a 1.39% boost for 12 months

Standard rate (after 12 months)

2.86%

AER

Who Is This For

New customers of this provider
Those wanting easy access
Savers happy with a £1,000,000 cap

Additional Info

This account sits within Saga's product range and is marketed at over 50s, but as long as you're over the age of 18 – you can still open it.

Please verify all details with the provider – for more info read our Disclaimer

Calculate your tax liability for this accountSee what you might pay on the interest from Saga's Easy Access Savings Account.

Estimated returns with Saga's Easy Access

Want to know how much interest you will receive with Saga's Easy Access Savings Account?

Estimated interest

£1,000 saved

£42.50

At 4.25% AER

£5,000 saved

£212

At 4.25% AER

£10,000 saved

£425

At 4.25% AER

£1,000,000 saved

£42,500

At 4.25% 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 Saga Easy Access Savings Account

The 4.25% rate here is competitive for easy access, but it is built on a 1.39% bonus layered over a 2.86% base rate, and that boost only lasts 12 months, after which the rate drops sharply unless Saga moves the base. This account is open to new customers only, accepts balances from as little as £1 up to £1,000,000, and pays interest monthly, which suits anyone who wants a regular income from their savings. If you prefer something without a bonus structure, United Trust Bank's Limited Access Saver is sitting at 4.30% in the alternatives, though do check what withdrawal restrictions that one carries.
Jan Watermann (Co-Founder)DepositScout