Best Business

Compare Easy Access Business Accounts

Tide Business Savings
  • Min Deposit
    £1
  • Max Interest
    4.33%
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Cynergy Bank Business Savings
  • Min Deposit
    £1
  • Max Interest
    4.00%
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Allica Bank Business Savings
  • Min Deposit
    £20,000
  • Max Interest
    4.01%
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Revolut Business Savings
  • Min Deposit
    £1
  • Max Interest
    3.51%
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Recognise Bank Business Savings
  • Min Deposit
    £85,001
  • Max Interest
    3.55%
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20 Best Easy Access Business Accounts in 2024

Editorial Team
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Easy or Instant access business accounts give businesses the opportunity to save either in the short or long term with the comfort of knowing investments can be removed, moved or added to at anytime, instantly.

Find the best business savings accounts that allow for instant or easy access, from the UK's leading banks and building societies.

Tide Instant Saver Account

  • New online instant access saver for all types of UK businesses
  • With a market-leading 4.33% AER variable interest rate
  • Which is calculated daily & paid monthly
  • Make unlimited, fee-free withdrawals but they can only be made into your Tide account
  • Open a Tide bank account to get started or open in-app
  • Start with a minimum £1 deposit
  • Add as much as you like as many times as you like with no maximum account balance
  • Manage your savings & everyday business spend with 24/7 online access
  • Eligible deposits are protected by the FSCS, covering a total value of £85,000
Tide Business SavingsWebsiteRead our in-depth Tide review

Cynergy Bank Business Saver

  • Online-only easy access business account with fast applications
  • For sole traders, partnerships, LLPs & limited companies with less than 10 directors
  • One of the highest easy access rates available, at a variable 4.00% AER
  • Accounts can be opened starting with £1 & no fees
  • While the maximum balance you can save up to is £10 million
  • The first deposit must be received within 14 days of opening
  • Also offer a business account that earns interest & cashback for everyday banking
  • Business deposits are protected up to £85,000 by the FSCS
Cynergy Bank Business SavingsWebsiteRead our in-depth Cynergy Bank review

Allica Bank Easy Access Business Savings Account

  • Online easy access account you can withdraw from anytime
  • Offering a variable interest rate of 4.01% AER
  • Calculated daily & paid annually on the anniversary of opening
  • The lowest you can save from is £20,000
  • And you can make unlimited deposits up to the balance limit of £100,000
  • The account is for business registered with Companies House
  • Apply online & manage on the web or by their app
  • Free cashback business current account also available that earns interest
  • Eligible deposits, up to £85,000, are covered by the FSCS
Allica Bank Business SavingsWebsiteRead our in-depth Allica Bank review

Aldermore Easy Access Account

  • Offer an award-winning easy access business account
  • Which earns a variable interest rate of 3.66% AER, calculated daily
  • You then have the choice to get it paid monthly or annually
  • Into a nominated UK bank or building society account
  • The minimum deposit required to open is £1,000
  • And you can make additional contributions at any time
  • Accounts can be closed without penalty or giving notice
  • The maximum account balance is £1 million
  • If you want to deposit more then there are corporate savings available
  • All eligible deposits are protected by the FSCS, up to £85,000
Aldermore Business SavingsWebsiteRead our in-depth Aldermore review

Recognise Bank Business Easy Access Accounts

  • Offer two online business accounts that can be accessed & managed by four users
  • Earn a variable interest rate of 3.15% or 3.55% AER, paid monthly or annually
  • Either into the account itself or a nominated current account
  • The minimum account balance is £1,000 or £85,001 depending on account
  • Sole traders & partnerships can hold up to £85,000, across all Recognise accounts (including personal savings)
  • While the maximum balance for limited companies & limited liability partnerships is £250,000
  • Make regular deposits to grow your savings even faster
  • All eligible deposits are protected by the FSCS up to £85,000
Recognise Bank Business SavingsWebsiteRead our in-depth Recognise Bank review

Revolut Business Savings

  • Offer three rates depending on business plan, from £19 a month with anytime access
  • Earn from 2.25% up to 3.51% AER variable
  • Interest is paid to your business account daily, on weekends too
  • With limits from £500,000 up to a maximum of £2 million
  • Available with Grow, Scale & Enterprise business accounts
  • Plus you will need less than 250 employees, turnover £36 million or less & hold £18 million or less
  • Move money around with zero restrictions, instantly & set controls for who else can access
  • Savings are deposited with trusted partner banks that benefit from FSCS-protection, for eligible businesses
Revolut Business SavingsWebsiteRead our in-depth Revolut review

Wise Business Interest

  • Access variable, multi-currency interest on the Wise Business account
  • Money is invested in an interest-earning fund that holds government-backed assets
  • Offering a very competitive 4.66% AER on GBP (3.65% on EUR & 5.04% on USD)
  • The interest is then paid to your account every working day
  • Open an account for a one-off fee of £45, then pay fund fees from 0.27% annually (included in rate)
  • Make international payments or swap currencies at the real rate
  • Manage from anywhere with internet with online & app access
  • Wise have partnered with BlackRock asset management to protect funds, you may also be eligible for FSCS protection
Wise Business SavingsWebsiteRead our in-depth Wise review

Saffron Building Society Business Online Saver

  • Online account with instant access available to businesses & charities
  • With a variable interest rate of 4.35% AER on £5,000+
  • Calculated each day & paid on 31st December every year
  • Into a current account in the same business name
  • The maximum account balance is £5 million
  • Accounts can be opened online, you'll need your business email address & phone number
  • You can then manage the account online or on the Saffron Building Society mobile app
  • Friendly customer support team, available Monday to Saturday
  • Benefits from FSCS protection, covering deposits up to £85,000
Saffron Building Society Business SavingsWebsite

Shawbrook Bank Easy Access Business Account

  • Online easy access account with competitive interest rate
  • Get 4.01% AER variable on balances above £1,000
  • If the balance falls below £1,000 you'll earn 0.05% AER
  • Interest is calculated daily & paid on the account anniversary
  • The maximum you can save or deposit is £85,000
  • And only one account is allowed per business
  • Make as many contributions as regularly as you like
  • With unlimited, instant access to withdrawals, where the minimum you can take out is £500
  • Deposits up to £85,000 are covered by the FSCS
Shawbrook Bank Business SavingsWebsiteRead our in-depth Shawbrook Bank review

OakNorth Bank Business Earn Vault

  • Easy access savings that comes attached to their business current account
  • Earn up to 3.85% AER variable
  • Takes one working day to access interest or withdraw
  • Currently no information on balance limits
  • Available to businesses with complex corporate structures or multiple SPVs
  • Sign up to the waiting list for exclusive early access
  • Offer business loans, having already leant over £10 million to UK businesses
  • Deposits benefit from FSCS protection, covering up to £85,000
OakNorth Bank Business SavingsWebsiteRead our in-depth OakNorth Bank review

Virgin Money Business Instant Access Accounts

  • Offer two accounts with instant access, both free of fees or charges
  • Available to existing customers & new, registered businesses
  • One operates with a Virgin business current account, earning 1.35% AER
  • The other is a standalone account which gets a variable rate of 3.80% AER
  • Both can be opened with & require £1 to operate
  • The maximum balance for the standalone account is £2 million
  • While the other has no maximum balance restrictions
  • Both can be opened & managed 24/7 online
  • All eligible deposits with Virgin are covered up to £85,000, by the FSCS
Virgin Money Business SavingsWebsiteRead our in-depth Virgin Money review

Dudley Building Society Business Saver

  • Instant access account for registered businesses
  • Returning a variable rate of 3.75% AER on balances above £1,000
  • Which is paid annually on 31st March
  • The maximum investment & balance limit is £1 million
  • You can make unlimited withdrawals & regular deposits
  • Applications can be made by in-person at a branch or by post
  • While the account is managed by email, phone, post or in-branch
  • Another account is also available for clubs & communities
  • All eligible deposits, up to £85k, are protected by the FSCS
Dudley Building Society Business SavingsWebsite

Newcastle Building Society Online Business Saver

  • Online business savers for registered companies & sole traders
  • Suitable for short & long term savings needs
  • Offering a 3.60% AER variable interest rate
  • On balances staring from £1, up to £1 million
  • Interest is paid on the monthly or yearly anniversary of account opening
  • Make as many withdrawals or transfers as you want, penalty-free
  • Apply & open completely online, with a simple application
  • Account instructions can be given by telephone or online
  • Eligible savings deposits benefit from FSCS-protection
Newcastle Building Society Business SavingsWebsite

Kent Reliance Business Savings Account

  • Online instant access account available to private limited companies with no more than three directors
  • The interest rate is 3.00% AER variable, when paid monthly or annually
  • You'll need to deposit at least £1,000 to open an account
  • However the minimum operating balance is £1
  • And the maximum account balance limit is £1 million
  • Further contributions can be made by bank transfer from a nominated account
  • You can access & manage your account completely online
  • While customer support is available weekdays by phone, email or post
  • FSCS protected for deposits up to £85,000
Kent Reliance Business SavingsWebsite

Mansfield Building Society Business Deposit Quarterly Access

  • Business savings account offering access once a calendar quarter
  • The interest rate earned is a variable 3.00% AER
  • Calculated daily & paid annually on 31st December
  • Available to sole traders, partnerships, corporate bodies & unincorporated businesses
  • In Nottinghamshire, Derbyshire, South Yorkshire, or existing account holders
  • The minimum deposit is £1,000 & you can add more at anytime
  • Up to a maximum investment of £500,000
  • Can be opened by sending a completed application by post or visiting a branch
  • Accounts benefit from FSCS-protection, up to £85,000
Mansfield Building Society Business SavingsWebsite

Nationwide Business Instant Access Saver

  • Instant access account available to businesses & charities
  • Offering a variable interest rate of 2.25% AER
  • You can choose to have your interest paid monthly or yearly
  • The minimum initial deposit must be at least £5,000
  • While £1 is the lowest you can hold, up to a maximum of £10 million
  • Withdrawals can be made anytime by post, fax or by email
  • And the lowest you can take out is £500
  • Open the account online or by requesting an application be sent by post or email
  • Eligible business deposits, up to £85,000, are protected by the FSCS
Nationwide Business SavingsWebsiteRead our in-depth Nationwide review

NatWest Business Reserve Account

  • Instant access account with three rates available, depending on balance
  • Get a variable rate of 1.46% AER on balances up to £1 million
  • For savings between £1 and £10 million you'll get a return of 1.71% AER
  • And 1.92% AER on balances over £10 million
  • Interest is calculated daily & applied monthly
  • There are no minimum or maximum amounts you can save & no penalties on withdrawals
  • Accounts are managed by telephone, online or with the award-winning NatWest app
  • Business current account available with optional automated deposits
  • All eligible contributions are covered by the FSCS, up to £85,000
NatWest Business SavingsWebsiteRead our in-depth NatWest review

Royal Bank of Scotland Business Reserve Account

  • Instant access account with rates that depend on how much you save
  • Get an interest rate of 1.46% AER on up to £1 million
  • For balances between £1 and £10 million you'll get a rate of 1.71% AER
  • And 1.92% AER on balances over £10 million
  • Interest is calculated daily & applied monthly
  • There are no minimum or maximum balances & no charges for making withdrawals
  • Accounts are managed by telephone, online or mobile app
  • Business bank account available with optional automated deposits
  • Covered by the FSCS, protecting eligible deposits up to £85,000
Royal Bank of Scotland Business SavingsWebsiteRead our in-depth Royal Bank of Scotland review

Monzo Business Instant Access Savings Pot

  • Online business current account with integrated savings pot
  • Offering a variable interest rate of 1.60% AER, paid monthly
  • There is a maximum balance limit of £100,000
  • But no minimum opening deposits
  • Make unlimited deposits or withdrawals whenever you need, instantly
  • Or schedule payments in to the pot for regular contributions
  • Automatically setting a percentage of income aside for different goals
  • Start saving & manage your banking completely online or in-app
  • Monzo is fully regulated & covered by the FSCS, for deposits up to £85k
Monzo Business SavingsWebsiteRead our in-depth Monzo review

Mettle Savings Pot

  • Savings pot attached to business current account, by NatWest
  • For sole traders & small businesses with up to two owners
  • Where only one owner can have access to the account at the moment
  • The pot earns a variable interest of 1.46% AER on balances from £10
  • And get interest on balances up to £1 million
  • Interest is calculated daily & paid out every month
  • Apply & manage 24/7 online or in-app
  • Create savings goals & automatically save with rules or schedules
  • Eligible deposits up to £85,000 are protected by the FSCS
Mettle Business SavingsWebsiteRead our in-depth Mettle review

Metro Bank Business Instant Access Deposit Account

  • Instant access account with a limited edition rate for 12 months
  • When £1,000 is deposited within 28 days of opening
  • Earning 1.20% AER variable with monthly or annual interest
  • Interest is calculated daily when paid monthly or annually
  • Accounts available to UK registered businesses
  • There are no minimum or maximum balance limits
  • Manage online, in-store or with the mobile banking app
  • Business savings are covered by the FSCS up to a total of £85,000
Metro Bank Business SavingsWebsiteRead our in-depth Metro Bank review

What is the best easy access business savings account?

Here's what we think are the best easy access accounts available for businesses, and what for:

  • Best business easy access overall: Tide Instant Saver Account · 4.33% AER
  • Best runner-up account: Cynergy Bank Business Saver · 4.00% AER
  • Best for highest interest rate: Wise Business Interest · 4.66% AER
  • Best for regular contributions: Aldermore Easy Access Account · 3.66% AER
  • Best for small deposits: Monzo Instant Access Savings Pot · 1.60% AER
  • Best for large deposits: Recognise Bank Business Easy Access Account · 3.55% AER
  • Best for charities: Dudley Local Business Saver · 3.75% AER
  • Best for multiple currencies: Wise Business Interest · 4.66% on GBP, 5.04% on USD, 3.66% on EUR

What is an easy access business savings account?

An easy access business account is a type of business savings account that offers easy and immediate access to funds while still earning interest. It provides liquidity and flexibility for businesses to deposit and withdraw money as needed.

What is the highest interest rate available for business instant access accounts?

At the time of writing, the Wise Business account offers an interest rate of 4.66% variable.

The next highest rate available is Tide's Business Instant Saver Account, which earns a variable rate of 4.33% AER.

You can also get 4.33% AER variable on all deposits with Allica Bank's interest-earning business current account.

Who can open an easy access business account?

In most cases to be eligible to open an easy access account for your business you will need to:

  • Be a sole trader, charity or business registered with Companies House
  • Be registered in the UK
  • Be over 18 & a resident of the UK
  • Match the minimum account opening deposit
  • Nominate a current account in the same business name

What is the difference between instant access and easy access business savings?

While instant access and easy access accounts tend to be interchangeable to mean the same thing, there can sometimes be a slight difference.

Easy access accounts, unlike instant access accounts, can maybe be subject to limits on withdrawal amounts or the number you can make, or you may have to wait to access your money.

Frequently asked questions

It's not uncommon to have questions when looking in to business banking, especially for the first time. These are some of the most relevant questions for business savings accounts:

AER stands for the annual equivalent rate, this shows the rate of interest paid and compounded.

Yes, the accounts shown in this guide have variable interest rates, meaning the banks or building societies can change the rate at anytime. Though they usually change with the Bank of England Base Rate.

Yes, in most cases you can make unlimited withdrawals with instant access.