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Instant Access Savings Account

An account designed for the person who requires penalty free instant access to their savings.


Summary Box

The Information provided is a summary of the key features of the savings account and is not intended to be a substitute for reading the terms and conditions that apply to the account.

What is the Interest Rate?2.10% Gross/2.10% AER

(From 08 April 2024)


AER stands for Annual Equivalent Rate.  It illustrates what the interest rate would be if interest was paid and compounded each year.


Interest is calculated daily and is variable.  Interest is compounded annually on the last day of February.


See our current interest rates for all savings accounts.

Can esbs change the Interest Rate?We may change interest rates at any time if we reasonably believe the change is needed.  Please refer to Condition 7 – Interest in the Terms and Conditions for esbs Retail Savings Accounts for further details.
What would the estimated balance be after 12 months based on a £1,000 deposit?



The projected balance based on the current interest rate is £1,021.00


This projection is provided for illustrative purposes only and does not take into account the individual circumstances of the customer.

How do I open and manage my account?





  • The account may only be opened by UK residents either solely or jointly who are
    aged 16 or over. Proof of age will be required when opening this account.
  • Minimum balance £10.
  • Maximum balance £180,000.
  • To apply for an Instant Access Savings Account please read the Instant Access Savings Account leaflet to ensure this account is suitable for you.  Please be certain to read the Terms and Conditions for esbs Retail Savings Accounts.
  • If you wish to open an account you can download and print an application form, apply in person in one of our branches or, should you wish for an application form to be sent in the post for you, call our Savings Team on 01455 844422 (Option 1).  Please remember to provide the correct Identification and funds.
  • You can manage your account at our branches or by post.
Can I withdraw money?
  • Yes – Instant Access.
Additional InformationThis account might be right for you if:

  • You are happy with a variable rate of interest that can go up or down
  • Would like instant access to your money
  • Are aged 16 or over

This account is not right for you if you want the security of a fixed rate of interest

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