Easy Access

Scottish Building Society Saver Plus Review

A competitive easy access account from Scottish Building Society. It ranks 93rd of 194 easy access accounts we track.

Variable rate

3.25%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£100

Max balance

£1,000,000

Access

Limited withdrawals

Interest paid

Yearly

How It Stacks Up

Ranks 93rd of 194

Easy access accounts we track

Above average
This account 3.25%
UK CPI (Aug 2026)
3.10%
Pays 0.15% more
Average easy access
2.86%
Pays 0.39% more
Best easy access
5.50%
Pays 2.25% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 1.30% more than this Scottish Building Society account
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Pros and cons

  • Pro: New and existing savers
  • Con: The rate is variable, so it can go down

Good to Know

4 or fewer withdrawals per year. If you make a 5th withdrawal in a 12 month period, the account will close and convert to an Instant Access Saver.

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 Saver Plus.

Estimated interest

£1,000 saved

£32.50

At 3.25% AER

£5,000 saved

£162

At 3.25% AER

£10,000 saved

£325

At 3.25% AER

£1,000,000 saved

£32,500

At 3.25% 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.

Our Expert Opinion on Scottish Building Society Saver Plus

Jonny PeaseCo-Founder, DepositScout

Scottish Building Society's Saver Plus pays 3.25%, which is below the easy access market average and 1.75% behind the category leader at 5.00%, so I would not call this a standout rate. It just edges above CPI inflation at 3.1% (Aug 2026) by 0.15%, which at least preserves purchasing power in real terms. The key catch is that withdrawals are limited, so this is not a true unrestricted easy access account, and interest is only paid annually on 31st March. If you want something closer to this rate with easier access, HSBC's Online Bonus Saver is currently at 3.35%.

Compare Easy Access Accounts

2 alternatives to Scottish Building Society's Saver Plus

Same type of account, closest on rate.

Common questions about the Saver Plus

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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