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Access Account

Variable rate of interest
4.90% AER*
4.79% gross pa
You may have difficulty completing our online application using a screen reader. Find out how to apply by telephone instead.

Pros and cons

  • Access your money without notice
  • Deposit and earn interest from £1
  • Manage your account online or via the app
  • Maximum deposit of £250,000
  • Interest rate is variable - could increase or decrease

This account has limited availability and can be withdrawn at any time. 

To apply for an account, you must have a UK current account in your name to use as your Nominated Account.

This will be the account you use to make payments in and out of this account, so it's important that your Nominated Account uses an identical account number and sort code for money in and money out.

Key features

  • Variable Rate Access Account
  • Account can be managed by Internet Banking, app or phone
  • Minimum £1 deposit must be made within 30 days of opening the account
  • Minimum £1 operating balance
  • Minimum £1 for each deposit
  • Electronic payments only; cheques not accepted
  • Maximum £250,000 account balance (excluding credit interest)
  • Maximum £1,000,000 aggregate balance across all accounts held (excluding credit interest)
  • Unlimited withdrawals can be made to your Nominated Account without notice
  • Interest paid monthly into a Nominated Account or credited to this account
  • Statements issued quarterly
  • Statements are provided via Internet Banking, with the ability to download and print or the option to change to paper if required

Help & FAQs

Why choose Secure Trust Bank?

You want a financial services provider you can trust. To help you make an informed decision, here's some of the reasons why Secure Trust Bank may be the right place for you and your money:

  • Award winning products and customer service
  • Friendly, UK-based call centre
  • Listed on the London Stock Exchange since 2011
  • Well-capitalised and profitable
  • Customer deposits protected by the FSCS

Find out more

Certified savings champions

We're proud winners of multiple awards, including Best Savings Provider.

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See all our awards


Access Account (Issue 15)

4.90% AER* / 4.79% gross pa

Interest is calculated daily and applied at the end of each month. You can choose to have your interest added to your account or paid away to your Nominated Account.

Yes, we can vary your interest rate. We will notify you as per your Terms and Conditions - please see clause 13 of the General Terms and Conditions for more information.

Your estimated balance would be £1,049.00 based on a deposit of £1,000 after 12 months 

This is for illustrative purposes only, does not take into account individual circumstances and makes the following assumptions:

  • Your initial deposit is paid into the Account when it is opened
  • No further deposits are made
  • No withdrawals are made

To open an account you must:

  • Be 18 or over
  • Reside in the UK
  • Be the account holder (not a Power of Attorney or Third Party)
  • Have a minimum deposit of £1
  • Have a maximum deposit of £250,000

The minimum operating balance is £1, and the maximum balance for the account, excluding credit interest is £250,000.

Please be advised the maximum aggregate balance across all accounts held is £1,000,000. 

How to open the account and pay in:

  • You must apply for the product online via the application link
  • Deposits must be from your Nominated Account by electronic payment; cheques are not accepted
  • If we cannot electronically verify that funds have been sent from an account in your name, they will be returned
  • Each deposit into the account must be a minimum of £1
  • The account must be funded with the initial minimum deposit within 30 days of opening the account, or the account will close
  • This account is only available to personal customers

How to manage the account:

Accounts are managed by Internet Banking, app or phone.

Statements are provided via Internet Banking, with the ability to download and print or the option to change to paper if required.

We do not provide Internet Banking for a Power of Attorney or Third Party.

Yes, you can make unlimited withdrawals to your Nominated Account. You can do this via Internet Banking or calling our Customer Service team.

Withdrawals can be made without providing notice. Instructions received by 2pm will be processed on the same business day. Instructions received after 2pm or on a non-business day will be processed on the next business day.

Any interest earned will be paid gross; we will not deduct tax from interest accrued on your savings. Please consider your Personal Savings Allowance as to whether you need to pay tax on the interest earned.

Tax treatment may be subject to change in the future. For more information, please visit HMRC at

This is a strictly limited issue and can be withdrawn at any time. We will not contact you to let you know when the account is withdrawn.

* AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded on an annual basis.