Instant Access Savings Accounts
Instant Access accounts are ideal for shorter-term savings goals, with access to your money should you need it.
Why consider an Instant Access Savings account?
Suitable for savers who:
- Want access to their savings
- Want to save as little or as much as they can each month
- Want to manage the account online, via the Mobile App, by phone or in our Branches
Not for savers who:
- Want a fixed rate of interest
Our Instant Access Savings accounts
Account name
Interest rate (AER)
£500-£120,000
3.65%
Rate from 1st December 2026
3.90%
Variable/Fixed
Variable
Min/Max amount
£500 - £120,000
Withdrawals
Up to two per calendar year without penalty
Account name
Interest rate (AER)
£1+
3.65%
Rate from 1st December 2026
3.90%
Variable/Fixed
Variable
Min/Max amount
£1 - max annual allowance (plus transfers)
Withdrawals
Up to two per calendar year without penalty
Account name
Interest rate (AER)
£1+
2.60%
Rate from 1st December 2026
2.80%
Variable/Fixed
Variable
Min/Max amount
£1 - max annual allowance
Withdrawals
Yes and without penalty
Account name
Interest rate (AER)
£1-£100,000
2.50%
£100,000.01+
0.00%
Rate from 1st December 2026
2.70%
Variable/Fixed
Variable
Min/Max amount
£1 - £500,000
Withdrawals
Yes and without penalty
Account name
Interest rate (AER)
£1 - £5,000
3.30%
£5,000.01+
0.00%
Rate from 1st December 2026
3.50%
Variable/Fixed
Variable
Min/Max amount
£1 - £100,000
Withdrawals
Yes and without penalty
Customer feedback
Read what our members say about Bath Building Society on the review platform, Smart Money People
