Savings Accounts > Easy Access
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Savings Accounts
A savings account allows an individual to deposit money for the purpose of accumulating funds over a period of time. The Bank or Building Society who supply the account will provide interest on the balance of the account which will vary from provider to provider. A savings account may be owned by one or more individuals.
Instant Access Savings Account
Instant access refers to a bank or building society savings account which offers the user the ability to make transactions without prior notice. Some instant access accounts come with a cash machine card allowing you to access your money 24 hours per day although generally there will be a limit on how much you can take out. If your account is with a bank or building society with branches you can withdraw money from your local branch and if an internet only bank you can access your savings account by transferring to a nominated current account.
Cash Individual Savings Account (ISA)
Cash ISAs are a form of savings account offered by banks, building societies and the government via National Savings & Investments. Unlike other savings accounts, all the interest paid on deposits is completely tax free. Cash ISA account holders must be over the age of 16.
Regular Savings Account
A regular savings account requires you to save money on a regular basis, therefore investing money, usually a set amount into the account each month. There is normally a minimum and maximum deposit limit provided when you open the account.
High Interest Savings Account
A high interest savings account is a bank account used for saving funds in which a higher amount of interest is paid to the account holder on funds deposited within it, than payable within a standard savings account.
Offshore savings Account
An offshore savings account is a savings account held offshore usually in the Channel Islands, the Isles of Man and Ireland. They allow you to deposit money and earn interest without the automatic deduction of Income Tax. They operate in very much the same way as onshore savings accounts in that you can withdraw cash or write cheques. Interest is paid gross without income tax being deducted although the interest still needs to be declared as income on your self assessment tax return.
How to find the Savings Account for You
To find a top savings account or the savings account for you ensure that you shop around. Each savings account has different criteria from paying interest on a monthly to yearly basis, flexibility to access your account and interest AER and these may vary depending on your circumstances. You should compare the functionality of each savings account making sure you select one that matches your requirements.
