Easy Access

Scottish Building Society Instant Access Saver Review

An easy access account from Scottish Building Society. It ranks 124th of 194 easy access accounts we track.

Variable rate

2.25%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£1,000,000

Access

Instant

Interest paid

Yearly

How It Stacks Up

Ranks 124th of 194

Easy access accounts we track

Well below average
This account 2.25%
UK CPI (Aug 2026)
3.10%
Pays 0.85% less
Average easy access
2.86%
Pays 0.61% less
Best easy access
5.50%
Pays 3.25% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 2.30% more than this Scottish Building Society 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

Worth Weighing Up

  • Con: The rate is variable, so it can go down

Good to Know

You can make unlimited withdrawals in the Relationship Centres without notice, penalty or charges.

Please verify all details with the provider – see our Disclaimer

See all Scottish Building Society accounts

Estimated returns with Scottish Building Society's Easy Access

What you could earn with Scottish Building Society's Instant Access Saver.

Estimated interest

£1,000 saved

£22.50

At 2.25% AER

£5,000 saved

£112

At 2.25% AER

£10,000 saved

£225

At 2.25% AER

£1,000,000 saved

£22,500

At 2.25% 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.

2 alternatives to Scottish Building Society's Instant Access Saver

Same type of account, closest on rate.

Common questions about the Instant Access Saver

D

DepositScout Alerts

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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