Every Thursday we look at a different savings option, explain the pros and cons, and reveal the best deals on the market . This week we're talking about the best easy access accounts. Here's what Savings Champion founder Anna Bowes has to say...Rather than leaving excess cash languishing in your current account earning nothing, you could be accruing more than 5% and still have the access you need.
Restricted access accountsThese accounts do still allow easy access, but you are restricted on the number of penalty free withdrawals that can be made. This will vary but it usually ranges between one to six or even 12 withdrawals a year. Most of these accounts will allow you to make additional withdrawals but a penalty will apply, usually in the form of a reduced interest rate – but occasionally there will simply be no further access once you have made the allowed number of withdrawals.
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