Any suggestions - i am getting 1.4% with my current bank but looking for instant access. Yorkshire Building Society are paying me 3.25% on an old instant access savings account but I think that might be an existing customer special offer. 0 Vote up! Buy short-dated low coupon gilts via AJ Bell or Interactive Investor. (Almost) no income tax and CGT free. Instant access in that you can sell them whenever you want. I don't know why anyone with a non-negligible amount of money uses savings accounts. 0 Vote up! go to moneysavingexpert.com Among other things, you can get about 7% on regular savers, 5% from Barclays on up to £5k if you have blue rewards (only worth it if you have a mortgage or loan with them), and circa 4.5% on some instant access and 6 month fixes from dodgy sounding banks that are still FSCS protected I think. Also bear in mind you can get up to 60% on SIPP investments if you earn more than £100k and 25%ish comes back to you in cash. Also a lifetime ISA gets you 25% on £4k per year. 1 Vote up! As of yesterday you could get 4.69% on UKT 0.125 01/24. You would only pay income tax on 0.125% of that. You'd have to pay £9.95 dealing charge for every transaction so not worth it for small amounts. You have to pay 0.25% per year platform charge (capped at a maximum of £3.50 per month) 1 Vote up! (also this is assuming you've filled up your ISAs and pension and so on) 0 Vote up! Vertigo, that is useful, thanks. So those gilts are trading at a 4.5ish % to redemption value ? 0 Vote up! Yup short dated are 4.5%ish yield to redemption and the coupons are tiny if they were issued in the ZIRP period. All the yield comes from pull-to-par which for gilts is CGT free. Long dated you obviously have a ton of interest rate risk if you are planning to sell before redemption. Might also be worth looking at index linked gilts because real yields are now +1%. The inflation uplifting part of the redemption value is also CGT free. Not sure how liquid they are - never tried to buy them. 1 Vote up! (this is not investment advice, at your own risk etc etc) 0 Vote up! Ns&i direct saver is dead easy and about 2.9% 0 Vote up! You should be getting a minimum of 3.5% for instant access at the moment regardless of the amount saved. 0 Vote up! Marcus are at 3.5% and Chase are at 3.3% instant access and they can both be opened in about 10 minutes online. 0 Vote up! Was bittersweet getting my annual statement for my NS& I index linkers. 10.1% tax free last year, but can't buy any more of them :( 0 Vote up! Hmmm, midmarket price on UKT 0.125 01/24 seems to be about 97.1%. of face value :( https://www.hl.co.uk/shares/shares-search-results/t/treasury-0.125-3101… 0 Vote up! Refresh Back to board Join the discussion Login Register 0 Vote up!