Easy Access

Secure Trust Bank Access Account Review

A competitive easy access account from Secure Trust Bank. It ranks 56th of 194 easy access accounts we track.

Variable rate

3.75%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£250,000

Access

Instant

Interest paid

Monthly

How It Stacks Up

Ranks 56th of 194

Easy access accounts we track

Above average
This account 3.75%
UK CPI (Aug 2026)
3.10%
Pays 0.65% more
Average easy access
2.86%
Pays 0.89% more
Best easy access
5.50%
Pays 1.75% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.80% more than this Secure Trust Bank account
  • Instant access, open with £10
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A Good Fit For

  • 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 Secure Trust Bank's Easy Access

What you could earn with Secure Trust Bank's Access Account.

Estimated interest

£1,000 saved

£37.50

At 3.75% AER

£5,000 saved

£188

At 3.75% AER

£10,000 saved

£375

At 3.75% AER

£250,000 saved

£9,375

At 3.75% 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 Secure Trust Bank Access Account

Jan WatermannCo-Founder, DepositScout

Secure Trust Bank's Access Account pays 3.75%, which is below the easy access market average and 1.25% behind the category leader at 5.00%, so I would not call this a standout rate. It does at least beat CPI inflation of 3.1% by 0.65%, which means your money is growing in real terms. The account accepts deposits from £1 up to £250,000 with instant access, which suits savers who want flexibility across a wide balance range. If you want the same 3.75% with arguably stronger backing, the NS&I Direct Saver is worth a look.

Compare Easy Access Accounts

2 alternatives to Secure Trust Bank's Access Account

Same type of account, closest on rate.

Common questions about the Access Account

D

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Easy Access rate just dropped

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Example Easy Access Saver Rate Down
4.20% AER
4.75%
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