Easy Access

Santander Easy Access Saver Review

An easy access account from Santander. It ranks 101st of 152 easy access accounts we track.

Variable rate

2.00%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£2,000,000

Access

Instant

Interest paid

Monthly/Annually

Santander is also paying £240 to switch your current account. Offer ends 7 October 2026.

See the switch offer

How It Stacks Up

Ranks 101st of 152

Easy access accounts we track

Well below average
This account 2.00%
UK CPI (Aug 2026)
3.10%
Pays 1.10% less
Average easy access
2.83%
Pays 0.83% less
Best easy access
5.00%
Pays 3.00% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 2.55% more than this Santander 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

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Estimated returns with Santander's Easy Access

What you could earn with Santander's Easy Access Saver.

Estimated interest

£1,000 saved

£20.00

At 2% AER

£5,000 saved

£100

At 2% AER

£10,000 saved

£200

At 2% AER

£2,000,000 saved

£40,000

At 2% 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 Santander Easy Access Saver

Jan WatermannCo-Founder, DepositScout

The Santander Easy Access Saver pays 2.00%, which is below the market average for easy access accounts and sits 3.00% behind the category leader at 5.00%, so this is hard to recommend on rate alone. At 1.10% below August 2026 CPI of 3.1%, your money is also losing real value in this account. There are no withdrawal penalties and the £1 minimum makes it accessible to almost anyone, but savers who want easy access can do meaningfully better elsewhere, with Tandem Bank's Instant Access Saver currently paying 3.40%.

2 alternatives to Santander's Easy Access Saver

Same type of account, closest on rate.

Common questions about the Easy Access Saver

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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