Last checked: 2026-10-16
Please note: Savings rates change often and usually include time-limited bonuses. This page is not financial advice — always check the provider's own rate page, and the rate after any bonus ends, before moving money.
Three popular UK easy-access savings accounts, compared on headline rate, underlying rate, access terms and deposit protection.
All figures below were read from each provider's own published savings pages on the check date shown. Rates are variable and can change at any time.
| Feature | Marcus by Goldman Sachs | Moneybox Simple Saver | Chip Instant Access |
|---|---|---|---|
| Headline rate | 3.75% AER / 3.69% gross (variable), including bonus | 2.40% AER (variable); 3.40% AER with a qualifying Moneybox account | 3.51% AER (variable tracker) for new customers for 12 months |
| Underlying rate and bonus | 3.24% AER / 3.19% gross underlying rate; bonus of 0.49% gross fixed for the first 12 months | 2.40% AER standard; boosted 3.40% AER needs a qualifying Moneybox account | 3.00% AER standard variable rate plus a 0.51% new-customer boost for 12 months; tracks 0.79% under the Bank of England base rate |
| Access to your money | Withdraw online or by phone, paid to a linked UK current account in your name; daily and per-payment limits may apply | Next-day withdrawals to a nominated bank, maximum one per calendar month | Unlimited deposits and withdrawals with instant access; no lock-ins or penalties |
| How interest is paid | Interest calculated daily and paid monthly into the account | Interest calculated daily and paid into the account each month | Interest accrues daily and is paid monthly |
| Deposit protection | FSCS protected — see Marcus's FSCS information page for limits | FSCS protected up to £120,000 across deposits held with each partner bank | FSCS protected up to £120,000 per person, per bank (accounts powered by ClearBank) |
| Provider link | Visit Marcus by Goldman Sachs | Visit Moneybox Simple Saver | Visit Chip Instant Access |
Our pick on rate: the highest headline and underlying AER here, with straightforward online access — but money must move via one linked current account.
Best if you already save or invest with Moneybox, unlocking the boosted 3.40% rate; otherwise the base rate and one-withdrawal-a-month limit lag behind.
Best for flexibility: unlimited instant withdrawals and a base-rate tracker, with a competitive boosted rate for the first year.
App-based saver with a boosted rate for existing customers.
App-based instant-access account that tracks the base rate.
The honest comparison is the rate after the bonus ends, not the headline. Check the underlying-rate row above — that is what you earn in year two.