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Tandem Bank Instant Access Saver Review3.40% AER (Sep 2026)

Easy Access from Tandem Bank

Protection

FSCS

Up to £120,000

Min balance

£1

Max balance

£250,000

Access

Instant

Interest paid

Monthly

The Rate You'll Get

Learn more about Tandem Bank

First 12 months

Boosted
3.40%
AER

Includes a 0.25% boost for 12 months

Standard rate (after 12 months)

3.15%
AER

Who Is This For

  • New and existing savers
  • Those wanting easy access
  • Savers happy with a £250,000 cap

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Calculate your tax liability for this accountSee what you might pay on the interest from Tandem Bank's Instant Access Saver.

Estimated returns with Tandem Bank's Easy Access

Want to know how much interest you will receive with Tandem Bank's Instant Access Saver?

Estimated interest

£1,000 saved

£34.00

At 3.4% AER

£5,000 saved

£170

At 3.4% AER

£10,000 saved

£340

At 3.4% AER

£250,000 saved

£8,500

At 3.4% AER

Estimated over one year, assuming the rate stays the same and interest stays in the account. Amounts outside this account's minimum or maximum balance are left out.

Our Expert Opinion on Tandem Bank Instant Access Saver

The 3.40% rate here is made up of a 3.15% base rate plus a 0.25% boost that lasts only 12 months, so once that period ends you will drop back to the lower base rate unless Tandem has moved things in the meantime. That temporary boost is the main thing to watch, and I would set a calendar reminder to reassess at the 12-month mark. The account opens with just £1 and pays interest monthly, which suits anyone who wants flexibility and a low entry point, but if the headline rate is your priority right now, Cynergy Bank's Online Easy Access Account is sitting at 4.15% and is worth a look.

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D

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Easy Access rate just dropped

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Nationwide FlexSaver Rate Down
4.20% AER
4.75%
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