Easy Access Business Savings Accounts

Grow your business savings without locking them away with our range of easy access business savings accounts. 

What is an easy access savings account?

An easy access savings account is a type of account that lets you save money and earn interest with few restrictions. You can deposit and withdraw money without notice or penalty, and you can open an account with as little as £1,000 with Recognise Bank.

Our business savings accounts

3.15% AER
3.55% AER

Recognise your potential

We believe business shouldn’t be held back by a bank.

That’s why we’ve made it our mission to create a fully licensed digital bank which puts relationships first.

We work with businesses not against them. And we aim to be as flexible as possible with all of our offerings and services, no matter what your business needs. It’s why our customers, brokers and partners love working with us.

Explore our range of award winning savings accounts, business loans, and specialist mortgages today and let us help your business thrive.

Opening an account is easy. Here's what to expect:


All eligible deposits are protected up to £85,0002.

set up

Easily open an account in minutes and manage your savings anytime, anywhere online.


Our savings accounts are award winning and our customers have rated us excellent on Trustpilot.


Total freedom to move your money in and out.

Don’t take our word for it. See why our customers love us:

Our range of business savings account types

Notice savings accounts

Savings account which requires you to give a set period of notice before withdrawing funds.

Fixed savings accounts

Secured interest rates over a fixed term. Perfect for long-term business planning.

Important information

Make sure you read our general terms and conditions and product terms and conditions before opening an account.

AER stands for annual equivalent rate and illustrates the interest rate if it was paid and compounded annually each year.

Gross is the interest rate payable before tax is deducted.

Your eligible deposits with Recognise Bank are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Visit the FSCS website to see how your money is protected. To check how much of your money is protected by the FSCS, you can also visit the FSCS protection checker at Bank & savings protection checker | Check your money is protected |FSCS

Frequently asked questions

  • £1,000 for our Easy Access Issue 1 account.
  • £85,001 for our Easy Access Issue 2 account.
  • £250,000 for Limited Companies and LLPs.
  • For all other business entities, the maximum deposit is £85,000.

Our easy access savings accounts allows for immediate fund withdrawals, offering flexibility when your business needs it most.

While this feature provides convenience, we advise reviewing the account terms for any potential impact on interest earnings, especially for significant withdrawals.

Our account offers unparalleled access to your business funds, ensuring liquidity and financial agility.

This account grants your business the freedom to manage cash flow efficiently, with the ability to deposit or withdraw funds as your financial situation evolves.

Withdraw from your savings account as frequently as your business requires, with zero notice period. All transactions should be carried out between your nominated account and the savings account to maintain security and streamline your financial processes.

Yes, the interest rate on an easy-access savings account is variable.

Rest assured; we will always let you know of any planned changes to the interest rate in accordance with our terms and conditions.

We assure you that there are no hidden fees or charges for standard transactions within your savings account.

Should there be a need for extraordinary, non-standard services, we may levy a charge, which will always be communicated in advance.

While both account types offer deposit and withdrawal flexibility, they differ in certain aspects.

  • Instant access accounts typically allow immediate cash withdrawals without limitations or penalties.
  • In contrast, easy access accounts may have some restrictions on withdrawal frequency or require a short processing time for accessing your funds, often necessitating a transfer to a current account first.

Can't find what you're looking for?

Check out our savings FAQs or contact us for additional support.