Easy Access Savings Boosted Rate
New clients can earn a total 4.41% AER (variable), including a 0.64% AER additional fixed bonus rate until 17th November 2026.
New client eligibility: This Easy Access Savings account with the additional fixed bonus rate is only available to new clients. This means you’re not eligible if you have previously held any other Monument product and this must be the first account you open with us.
£5 Billion
Simple savings, multiple benefits
New clients can earn 4.41% AER (variable), paid monthly
The Easy Access Savings rate is 3.71% gross / 3.77% AER (variable).
An additional fixed bonus rate of 0.64% AER will apply until 17th November 2026.
This gives a total rate of 4.32% gross / 4.41% AER (variable) until 17th November 2026.
From 18th November 2026, only the Easy Access Savings rate (currently 3.71% gross / 3.77% AER variable) will apply. This Easy Access Savings account with the additional fixed bonus rate is only available to new clients.
This means you’re not eligible if you have previously held any other Monument product and this must be the first account you open with us.
Enjoy flexible withdrawals and deposits
Access to your money 24/7
Full transparency, no hidden fees
Your money is safe with us.
Eligible savings are protected up to £85,000 by the Financial Service Compensation Scheme (FSCS).
Exceptional service
isn’t our aim.
It’s our guarantee
Enjoy an effortless experience
Open an account in minutes then deposit funds straight away.
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Speak to our UK-based team instantly in the app or pick up the phone.
Be rewarded for your loyalty
If you’re a Fixed Term Account saver who chooses to stay with us, we’ll thank you with a special rate.
Start saving now
Download the app
Get the app from the Apple App Store or Google Play.
Choose the right Savings Account for you
Provide us with your personal details so we can securely open your account.
Add money
Set up your Linked Account and make a deposit to start earning interest immediately.
What our clients say
Monument is a fully regulated, UK bank built to help you manage, grow and enjoy your wealth.
More than 70,000 clients save with Monument and benefit from our range of Lifestyle services and UK-based client servicing team.
Your money is protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).
After opening your Easy Access Savings account, you will be given a sort code and an account number which you can use to make electronic payments into your Monument account from your Linked Account.
Your Linked Account is a personal UK* bank account in your name which you’ll provide when you open your account. In certain circumstances, we may be able to accept an account held with a UK* electronic money institution (known as an e-money account).
You can only add and withdraw money to and from your Linked Account.
*UK means England, Wales, Scotland and Northern Ireland and does not include the Channel Islands and Isle of Man.
You can withdraw money to your Linked Account using the Monument app.
The Easy Access Savings interest rate is variable and may change. If we change the rate, we’ll let you know by emailing you.
An additional fixed bonus rate of 0.64% AER will apply until 17 November 2026 and will not change.
This Easy Access Savings account with the additional fixed bonus rate is only available to new clients. This means you’re not eligible if you have previously held any other Monument product and this must be the first account you open with us.
£25,000.
This balance requirement is for the combined total across all of your Monument accounts. For example, if you have an Easy Access and a Notice Account with us, you must hold a minimum of £25,000 in total across both accounts.
Interest rate summary:
Interest rate without additional fixed rate: 3.77% AER (variable).
Interest rate with additional fixed bonus rate (0.64% AER): 4.41% AER (variable).
Understanding your rate:
The Easy Access Savings rate is 3.71% gross / 3.77% AER (variable).
An additional fixed bonus rate of 0.64% AER will apply until 17 November 2026.
This gives a total rate of 4.32% gross / 4.41% AER (variable) until 17 November 2026.
From 18 November 2026, only the Easy Access Savings rate (currently 3.71% gross / 3.77% AER variable) will apply.
Interest is calculated daily and paid monthly. Interest can be paid to your Linked Account or into your Monument Easy Access Savings.
AER stands for Annual Equivalent Rate. This shows you what the interest rate would be if interest was paid and compounded once each year. Gross is the rate of interest payable before income tax is deducted.
Gross is the rate of interest payable before income tax is deducted.
Yes, the Easy Access Savings interest rate is variable and may change.
An additional fixed bonus rate of 0.64% AER will apply until 17 November 2026 and will not change.
We can change the Easy Access Savings interest rate (currently 3.71% gross / 3.77% AER variable) at our discretion for any of the reasons detailed in Section 5 of our Easy Access Savings account Terms.
We will contact you if the Easy Access Savings interest rate is going up or going down. We will give you at least 14 days’ notice in advance of any rate reduction. If we increase the rate, we will apply it immediately and we will inform you of the increase within 30 days of it being made.
These examples assume that:
- you deposit £1,000 or £25,000 on the account opening date with no further deposits or withdrawals.
- the additional fixed bonus rate is applied for the first 12 months.
- the Easy Access Savings rate remains the same for 24 months, and interest is paid into your Easy Access Savings account.
Balance after 12 months:
£1,044.10 at an interest rate of 4.41% AER (variable) based on the Easy Access Savings rate and the additional fixed bonus rate.
£26,102.50 at a bonus interest rate of 4.41% AER (variable) based on the Easy Access Savings rate and the additional fixed bonus rate.
Balance after 24 months (including the application of the additional fixed bonus rate during the first 12 months):
£1,083.46 at Easy Access Savings interest rate of 3.77% AER (variable).
£27,086.56 at Easy Access Savings interest rate of 3.77% AER (variable).
The above is for illustrative purposes only and does not take into account any individual circumstances.
You can open and manage your account through the Monument mobile app.
Eligibility:
- This Easy Access Savings account with the additional fixed bonus rate is only available to new clients. This means you’re not eligible if you have previously held any other Monument product and this must be the first account you open with us.
- You must be aged 18 or over.
- You must be a UK resident.
- This account can only be opened in one person’s name.
- You must have a personal UK bank account that allows transfers to be made to and from your Monument Easy Access Savings account.
- You can only have one Easy Access Savings account.
Minimum and Maximum Balance:
- £25,000 minimum balance across all Monument savings accounts you hold including this one.
- £2,000,000 maximum balance across all Monument savings accounts you hold including this one.
Making Deposits:
- Deposits can only be made by electronic payment from your Linked Account or a Monument Savings Account held in your name (subject to the terms and conditions of the account).
- Any funds received from another external account that is not your Linked Account will be returned.
- We do not accept deposits in cash or cheque.
Yes, you have 24/7 access to your savings via the Monument mobile app.
An unlimited number of withdrawals can be made through the mobile app. For your security, higher value withdrawals may require additional verification checks.
You can withdraw up to £150,000 per day per account via the Monument app. If you’d like to withdraw more than this, you can do so by contacting our Client Services team.
Funds withdrawn can be paid to your Linked Account or another Monument savings account in your name.
We do not deduct tax from any interest paid to you.
You will need to pay any tax you owe to HMRC or other Tax authorities applicable to you.
Please note: The information provided here is a summary of the key features of our Easy Access Savings account. Further information can be found in our Easy Access Savings Terms.
Not the right account for you?
If you’re looking for an account with a notice period or fixed term, learn more about our Fixed Term Deposits or Notice Accounts.
