Instant access

Our instant access savings accounts let you take full control of your money, with the option to make payments whenever you need to.

Looking for a fixed rate savings account instead?

Earn a variable rate of interest, paid annually.
Open an instant access savings account with as little as £1 (and deposit up to £1,000,000).
Useful if you need access to your money, especially for emergencies.
No limits on withdrawals.
Useful if you like to manage your savings by transferring money to and from your current account.
Our instant access accounts offer a number of different ways to manage your money depending on the account but all offer online and mobile banking.

Online Saver
Comes with a variable rate of 0.56% gross AER, paid annually on 5 April.

Can be opened with just £1.

Allows you to make unlimited withdrawals and deposits, using online and mobile app banking.

You cannot deposit or withdraw cash and/or cheques from this account.

Available as a sole account only.

To apply, you must be:

A UK resident.

16 or over.

Registered and apply through online banking.

A Co-operative Bank current account customer.

You can have either a Co-operative Bank Current Account, Current Account Plus, Privilege current account, Privilege Premier current account, Student Current Account, Cashminder account, Everyday Extra Current Account or any other account we specify in the future.

Approval is based on an assessment of your personal circumstances.

Learn more
Smart Saver
Comes with a variable rate of 0.34% gross AER, paid annually on 5 April.

Can be opened with just £1.

Allows you to make unlimited withdrawals and deposits using online, mobile app, and telephone banking. You can also visit us in branch and make withdrawals using ATMs.

Available as a sole or joint account.

To apply, you need to be:

A UK resident.

16 or over.

Approval is based on an assessment of your personal circumstances.

Learn more

Prefer an ISA with instant access?

Online Cash ISA

Earn 0.56% tax-free AER variable, paid annually on 5 April.
Open your account with £1.
Make withdrawals and deposits using mobile app and online banking.

Learn more

Cash ISA

Earn 0.46% tax-free AER variable, paid annually on 5 April.
Open your account with £1.
Access your account online, using our mobile app, in branch or over the phone, and deposit cheques at your local Post Office®.

Find out more

Compare our instant access savings accounts

The main difference is how you access and manage your account.

Online Saver
Interest paid annually
0.56% Gross / AER variable
Find out more

Smart Saver
Interest paid annually
0.34% Gross / AER variable
Find out more

Tools

Our savings tools can help you plan a budget and learn more about our ISAs.

Savings budget calculator

Work out how much you could save each month.

Budget calculator

Still undecided about which ISA?

Use our ISA Selector to help find the right one for you.

ISA Selector

Help for existing customers

Help and information about savings accounts for our existing customers.

Learn more

Any reference to tax is based on our understanding of current tax regulations which may change in the future and depends on your individual financial circumstances.

The Co-operative Bank reserves the right to decline or accept any application and/or deposit.

Remember you can subscribe to a Co-operative Bank/ Britannia Cash ISA as long as you have not subscribed to another cash ISA with another provider in the current tax year.

smile, The Co-operative Bank and Britannia are trading names of The Co-operative Bank plc, which is a member of the Financial Services Compensation Scheme (FSCS).

Contact us

If you'd like more help & information, you can:

Chat to us via live chat

Visit us in your local branch

Call us to talk to an advisor

General help & info

Product help & info