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Easy access accounts are great if you want to be able to dip into your savings whenever you need them. You can start saving from as little as £1 and you don’t have to give notice when you want to take money out. This makes them perfect for emergencies or a rainy-day fund.
If you think you'll only need to withdraw money a few times a year, you could earn more interest with a limited access account. They’re a type of easy access savings account but limit the number of times you can take your money out. If you go over the limit, a lower interest rate is paid.
See our easy access accounts
Whether you are opening a savings account for the very first time or you are an experienced saver, there are times when you may need to dip into your savings. If this is the case, then an easy access savings account could be ideal for you.
View guideLet us know if you need any additional support when managing your money and we will do what we can to help.
Get additional support| Minimum to open | Annual Interest Rate | Bonus | Withdrawal Conditions | Account Access | ||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Four Access Saver (Issue 6) | £1 |
up to 4.05% AER up to 4.05% Gross i
|
No | You can take your money out at any time. You will get a lower interest rate if you take your money out more than four times. |
Online For WeBSave accounts – once opened you can manage this account online via our WeBSave login. For all other accounts – once opened you can view this account online via our savings portal. |
Four Access Saver (Issue 6) | ||||||||||||||||||||||
| Direct Limited Access Saver (Issue 3) | £1000 |
up to 2.00% AER up to 2.00% Gross i
|
No | You can take your money out at any time. You will get a lower interest rate if you take your money out more than six times. |
Online For WeBSave accounts – once opened you can manage this account online via our WeBSave login. For all other accounts – once opened you can view this account online via our savings portal. By post Once opened, you can manage this account by post. |
Direct Limited Access Saver (Issue 3) | ||||||||||||||||||||||
| Limited Access Saver (Issue 2) | £1 |
up to 2.00% AER up to 2.00% Gross i
|
No | You can take your money out at any time. You will get a lower interest rate if you take your money out more than six times. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. |
Limited Access Saver (Issue 2) | ||||||||||||||||||||||
| West Brom Saver | £1 |
1.50% AER 1.50% Gross i
|
No | You can take your money out at any time. |
In branch Once opened, you can manage this account in branch. Use our branch finder to find your nearest branch. Online For WeBSave accounts – once opened you can manage this account online via our WeBSave login. For all other accounts – once opened you can view this account online via our savings portal. By post Once opened, you can manage this account by post. |
West Brom Saver | ||||||||||||||||||||||
Important information
Gross interest is the rate of interest payable before the deduction of tax.
AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and added each year.
Your eligible deposits are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK's deposit protection scheme.
Whether you want unlimited or limited access to your money, we’ve a range of easy access savings accounts to choose from.
Easy access savings accounts offer a flexible way to save. They allow you to put money in and take it out whenever you want to, making them perfect for emergencies or a rainy-day fund.
With an easy access account, your interest rate is variable, which means the amount your money earns can go up or down.
You don’t pay tax on the money you save, only on the interest your savings earn. And even then, you only pay tax if the amount of interest earned from an easy access savings account exceeds your Personal Savings Allowance.
Yes, you can have as many easy access savings accounts as you want. People often open different easy access savings accounts to keep track of how much they’ve saved towards different goals.
Yes, with an easy access account, you can generally access your money at any time without paying a penalty or needing to give notice. However, some easy access accounts have limits on the number of times you can withdraw, before a lower interest rate is paid. These are called limited access accounts.
With an easy access savings account, you’ve got the flexibility to pay money in and take it out at any time. They allow you to earn interest, without having to lock your money away for a set time. That’s why they’re perfect for emergency funds or short-term savings goals.
Chat to our friendly Customer Service team today.
0345 241 3785 8:30am to 6pm Monday to Friday
8:30am to 12:30pm on Saturday
You can also pop in to your local branch or book an appointment.
