No fuss

Easy access savings accounts

Our easy access accounts offer you a competitive interest rate, plus the flexibility to access your money whenever you need it.

Open an easy access savings account online today.

Why choose Family Building Society?

We're an award-winning building society that does things differently, with over 125 years supporting savers and over 52,000 account holders. No matter what you're saving for we're here to help and have a chat if you like, with minimum jargon.

All our savings accounts are FSCS protected.

Our best easy access savings account

Our Market Tracker Saver (1) is an easy access savings account that tracks the market for you. Apply online today.

 

Market Tracker Saver (1)

Tracks the average of the top 20 easy access interest rates in the market.

 

  • Annual interest effective 1 April 2025 (AER gross): 4.32%
  • Annual interest effective 1 July 2025 (AER gross): 4.25%
  • Minimum opening amount: £1 
  • We review the interest rate quarterly
  • The interest rate paid is calculated using data from Moneyfacts® and pays the average of the interest rates on the top 20 accounts, based on the rate for a £10,000 investment. How it works.

See full details and apply online

Compare all our savings accounts

    See all bonds

Do you need our help?

If you have questions about our savings accounts please contact our friendly New Business Team

Get in touch

Over 125 years looking after people's money

For a long time we've been trusted to help people save for homes, holidays & more with a more small scale, personal approach as shown in our awards.


 

More about who we areView our awards

Frequently asked questions about our easy access savings accounts

Our easy access accounts offer you the freedom and flexibility to access your money without needing to wait for a notice period. Perfect for a short-term savings goal. You can compare all our easy access products in the table below.
Depending on the savings account you wish to open, you may be able to apply online, by post or in branch (as detailed below in the individual product additional information). If you are applying online and new to Family Building Society, it only takes a few minutes to apply. Please have your National Insurance number to hand.

You can open an account as an individual, jointly or as an attorney. You must be ordinarily resident in the UK for tax purposes.

We don’t have a limit to the number of easy access savings accounts you can have. The overall maximum investment any one individual can have with us for all share accounts is £2,000,000.

Yes, your savings are in safe hands, protected up to a total of £85,000 by the Financial Services Compensation Scheme.

This limit is applied to the total of any deposits you have with the following: Family Building Society and National Counties Building Society. Any total deposits you hold above the limit between these brands are unlikely to be covered. 

Learn more about the FSCS. 

If getting access to your savings and having the ability to make withdraws easily is a priority for you when saving, then an easy access savings account is likely to be suitable for you.

You can earn tax-free interest up to your Personal Savings Allowance. The allowance is £1,000 in interest each tax year for basic rate taxpayers and £500 for higher rate taxpayers. There is usually no allowance for additional rate tax payers.

We also offer a range of tax-free Easy Access Cash ISAs.

Yes, all our easy access savings accounts have variable interest rates and may change as per the terms and conditions of the particular account. Further information can be found in ‘Section 14: Interest’ of our General Conditions for our Savings Accounts about when we may make changes to the interest rate and how this will be communicated. 

Notice accounts require you to give notice if you wish to withdraw your money, whereas easy access accounts do not. Easy access accounts typically pay lower rates of interest, but depending on if you need the flexibility of access, then an easy access account is likely to be best suited to you!