Easy Access

UBL UK Easy Access Account Review

A competitive easy access account from UBL UK. It ranks 51st of 194 easy access accounts we track.

Variable rate

3.80%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£500

Max balance

£200,000

Access

Instant

Interest paid

Yearly

How It Stacks Up

Ranks 51st of 194

Easy access accounts we track

Above average
This account 3.80%
UK CPI (Aug 2026)
3.10%
Pays 0.70% more
Average easy access
2.86%
Pays 0.94% more
Best easy access
5.50%
Pays 1.70% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.75% more than this UBL 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

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Estimated returns with UBL UK's Easy Access

What you could earn with UBL UK's Easy Access Account.

Estimated interest

£1,000 saved

£38.00

At 3.8% AER

£5,000 saved

£190

At 3.8% AER

£10,000 saved

£380

At 3.8% AER

£200,000 saved

£7,600

At 3.8% 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 UBL UK Easy Access Account

Jan WatermannCo-Founder, DepositScout

UBL UK's Easy Access Account pays 3.80%, which is below the market average for easy access accounts and sits 1.20% behind the category leader at 5.00%, so I would not call this a standout rate. It does nudge 0.70% above CPI inflation (3.1% as of Aug 2026), which at least preserves real value. The account suits savers who want straightforward instant access with no withdrawal restrictions beyond a £10,000 daily online banking limit, and you need at least £500 to open it. Spring's Easy Saver at 3.82% is worth a look if you want something comparable but slightly better.

2 alternatives to UBL UK's Easy Access Account

Same type of account, closest on rate.

Common questions about the Easy Access Account

D

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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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