Easy Access

Ulster Bank Loyalty Saver Review

A competitive easy access account from Ulster Bank, with a £5,000 minimum deposit. It ranks 76th of 194 easy access accounts we track.

Variable rate

3.50%AER

Needs an Ulster Bank current account

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

No limit

Access

Instant

Interest paid

Annually

Rate Tiers

£1 – £4,999

1.00%AER

£5,000+

3.50%AER

How It Stacks Up

Ranks 76th of 194

Easy access accounts we track

Above average
This account 3.50%
UK CPI (Aug 2026)
3.10%
Pays 0.40% more
Average easy access
2.86%
Pays 0.64% more
Best easy access
5.50%
Pays 2.00% less

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

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 1.05% more than this Ulster Bank account
  • Instant access, open with £10
Compare Easy Access Accounts

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A Good Fit For

  • Pro: Savers who want instant access

Worth Weighing Up

  • Con: The rate is variable, so it can go down
  • Con: You need an Ulster Bank current account to open it
  • Con: You need at least £5,000 to open it

Please verify all details with the provider – see our Disclaimer

See all Ulster Bank accounts

Estimated returns with Ulster Bank's Easy Access

What you could earn with Ulster Bank's Loyalty Saver.

Estimated interest

£5,000 saved

£175

At 3.5% AER

£10,000 saved

£350

At 3.5% AER

£50,000 saved

£1,750

At 3.5% 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 Ulster Bank Loyalty Saver

Jan WatermannCo-Founder, DepositScout

Ulster Bank's Loyalty Saver at 3.5% is really only worth considering if you already hold an Ulster Bank current account and live in Northern Ireland, since both are hard requirements. You need at least £5,000 to reach that rate, as anything below earns just 1.00%. The rate sits 1.50% behind the easy access market leader at 5.00%, so it is below the market average, though it does edge 0.40% above CPI inflation of 3.1%. Kent Reliance's Easy Access Savings Account at 3.75% is worth a look if you want more.

2 alternatives to Ulster Bank's Loyalty Saver

Same type of account, closest on rate.

Common questions about the Loyalty Saver

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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