Easy Access

Sidekick Multi Shield Savings Review

A competitive easy access account from Sidekick. It ranks 76th of 152 easy access accounts we track.

Variable rate

3.23%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£1

Max balance

£120,000

Access

Instant

Interest paid

Monthly

How It Stacks Up

Ranks 76th of 152

Easy access accounts we track

Above average
This account 3.23%
UK CPI (Aug 2026)
3.10%
Pays 0.13% more
Average easy access
2.83%
Pays 0.40% more
Best easy access
5.00%
Pays 1.77% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 1.32% more than this Sidekick 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

Good to Know

Money is placed with HSBC first, then Lloyds, then Santander Financial Services, for up to £360,000 FSCS cover. Sidekick and Bondsmith handle the split.

Please verify all details with the provider – see our Disclaimer

See all Sidekick accounts

Estimated returns with Sidekick's Easy Access

What you could earn with Sidekick's Multi Shield Savings.

Estimated interest

£1,000 saved

£32.30

At 3.23% AER

£5,000 saved

£161

At 3.23% AER

£10,000 saved

£323

At 3.23% AER

£120,000 saved

£3,876

At 3.23% 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 Sidekick Multi Shield Savings

Jan WatermannCo-Founder, DepositScout

Sidekick's Multi Shield Savings works by spreading your money across HSBC, Lloyds, and Santander Financial Services in that order, which is the whole point of the account rather than rate-chasing. At 3.23%, it sits below the easy access market average and 1.77% behind the category leader at 5.00%, so you are paying a meaningful price for that diversification. The rate does beat CPI inflation by 0.13% as of Aug 2026, which is something, but if the spread across institutions is not a priority for you, Spring Easy Saver is currently paying 3.82% with instant access.

2 alternatives to Sidekick's Multi Shield Savings

Same type of account, closest on rate.

Common questions about the Multi Shield Savings

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
Live Market Tracking

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