Saga's Easy Access Savings Account launched in January 2026 and its current 4.5% offer has earned it a spot in the top five for instant-access deals without withdrawal limits or restrictions on who can open the account. After a year, the account pays a lower underlying interest rate, which currently stands at just 2.86%. Minimum opening age of 55 Newbury Building Society Senior Saver Monthly Cash Isa 3.04% £50 minimum deposit. (a) The Sunny Day Saver account offers 5% AER on balances up to £3,000 for 12 months, after which funds transfer to a Cahoot Savings account at 1%. If you'd rather avoid an account with a bonus rate, the next-best instant-access deal comes from Charter Savings Bank, a Which?