Access save account

The interest rate: A higher interest rate gives you a better return on your money for example, an instant access children's savings account will let you pay money in and take it out when it's needed, but will not usually offer you very competitive interest rates.

Free forex bonuses

Compare instant and easy access savings accounts, access save account.

Compare instant and easy access savings accounts

Compare these easy access accounts that could earn you a high interest rate and let you withdraw your savings whenever you need to.

Most popular

Savings accounts

Instant and easy access

Cash ISA

Fixed rate bonds

Investment ISA

Peer to peer investments

More from saving accounts

Business savings account

Children's savings account

Fixed rate cash isas

Innovative finance ISA

Notice savings accounts

Savings guides

Who we compare

Show me affiliated products first

This product is only available to existing members. Withdrawal conditions apply. Must have the basic plum app membership to upgrade to plus/pro.

There are basic/plus/pro app membership levels with a monthly fee for plus/pro. £1/month for plus. £2.99/mon for pro.

What is an instant access savings account?

An instant access or easy access savings account is a bank account for your savings. It's more flexible than some savings accounts. You can earn interest, but still dip in to your money whenever you need to.

Savings accounts are just there for you to earn interest. They don't offer the special features that current accounts do, like paying bills or spending on your debit card.

If you want to find the best instant access savings accounts, you've come to the right place. Use our comparison table to find the best easy access savings account with a good rate.

Is an easy access savings account right for me?

Keeping your money safe in the most profitable place is sensible. Sometimes, this can mean putting it into an account with restrictions. But you might prefer to know your savings are within easy reach, in case you need to dip into them.

If you want access to your savings whenever you like, but would still like to earn some interest, an instant access savings account might be for you. Or you could look at an easy access savings account.

How do I find the best instant access savings account?

If you're thinking of opening one of these accounts, it's a good idea to understand a little bit about how they work before you pick one.

To find the best instant access savings account, you'll need to think about:

The interest rate: A higher interest rate gives you a better return on your money

How much you need to put in when you open the account: some accounts need just 1p, yet others need up to Ј10,000

How you want to manage the account: some accounts are online, yet others are managed in a branch, on the phone or by post

Whether your money's protected: choose an account with a bank or building society that uses a compensation scheme.

What's the difference between an instant access savings account and an easy access savings account?

An instant access savings account does what it says on the tin - you can access your savings instantly. You can either transfer the money into your current account or withdraw it at a branch. There's no penalty for taking money out.
With an easy access savings account, you might need to wait a short while to get to your money. That's because you have to link your easy access savings account to another bank account, and withdraw money into that account. You also pay in money in the same way.

An easy access savings account also lets you withdraw money by faster payment, bank transfer or cheque by post.

How much do you need to open an instant access savings account?

The best instant access savings accounts can be opened with as little as 1p. Most need Ј1 or more. Some need as much as Ј10,000.
Use our comparison table to find the best instant access accounts. Then use the filters to find accounts that can be opened with a specific amount. For example, you could find one that needs you to put in less than Ј100. Or you could search for instant access savings accounts that need you to put in more than Ј1,000.

Do I pay tax on interest I earn from my instant savings account?

Most people don't pay tax on savings interest because everyone has a personal savings allowance. It's only people with lots of savings that pay interest on them.

Basic-rate taxpayers can earn Ј1,000 in savings interest tax-free and higher-rate taxpayers can earn Ј500.

What are the downsides of instant access savings accounts?

Often, the more restrictions that are placed on a savings account, the higher the interest rate will be. That means that even the best easy access savings accounts or instant access savings accounts might not be the highest earners. But you might choose one anyway, if you want to be able to dip into your savings whenever you want.

Is there an instant savings account with a high interest rate?

Some of the best easy access accounts pay a slightly higher rate than others.

But you should be aware of restrictions. Accounts with the best instant access savings rates might be online only, or might have strict rules. For example, some accounts may only allow a certain number of withdrawals in a year.

The best easy access savings option will have a good rate and restrictions that won't be a problem for you personally.

What is the best way to save for your child?

The best way to save for your child is likely to be through a children's savings account. It is a savings account that can only be opened by, or on behalf of, a child under 18.

Most banks and building societies will offer a children's savings account product. You will find that they usually pay a significantly better interest rate compared to adult savings accounts. This makes them a great way to save for your child's future, especially compared with holding onto the money yourself.

When it comes to choosing an account, saving for a child's future is a crucial part of planning your family's finances. There is no perfect formula and every family will have their own best options. However, there are a number of ways you can choose to save for your child, so you should be able to find a product to fit your financial goals.

For example, an instant access children's savings account will let you pay money in and take it out when it's needed, but will not usually offer you very competitive interest rates.

If you think you will need to access your child's savings then an instant access savings account should suit your needs.

If access is not a priority and you are looking for higher interest accounts, fixed term bonds and junior stocks and shares isas could produce a better return on your child's money.

What's the best instant access savings accounts for over 50s?

If you're looking for the savings accounts for over 50s, you'll see that there aren't many age-specific accounts available.

There are a few, but they don't pay high rates in comparison to other easy access ISA options that aren't age-specific.

Instead, you might be better off doing a more general search. Or, you could just look at traditional savings accounts with good rates, which also give you easy access to your money.

Instant access saving faqs

How much can I save in an instant access account?

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If your access save account is linked to your normal account on your internet banking profile, then you can transfer these funds:

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The best way to resolve this is to make sure that accounts are linked for transfer to take place. You can link this via internet banking or your mobile app.

Let me know when you successful on this.

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‎29-08-2017 11:17 AM - edited ‎29-08-2017 11:44 AM

Accounts

Notice accounts

Firstsave notice accounts are ideal for savers who do not require immediate access to their money but wish to receive a higher rate of interest. To see our current interest rates, please refer to the adjacent table.

With a small minimum balance, firstsave notice accounts help you save by providing a fixed notice period before you can withdraw your savings.

For both new and existing customers to firstsave, our notice accounts give you the opportunity to earn that bit extra.

Minimum investment of ВЈ100 to get your interest paid annually.

Minimum investment of ВЈ5,000 to get your interest paid monthly.

If you think this is the savings account for you, click on 'apply now', then follow the easy steps.

Easy access

With this variable rate account, you have immediate access to your savings. To open one, you need only a small initial deposit and then your money starts earning very attractive rates of interest.

As well as offering competitive market rates, the firstsave easy access account is simple and convenient for you to operate online. You can deposit and withdraw funds at any time, in the comfort of your own home.

Whether you're an existing customer or new to firstsave, our easy access account can be a sound investment.

Minimum investment of ВЈ100 to get your interest paid annually

Minimum investment of ВЈ5,000 to get your interest paid monthly

Fixed rate bonds

If you're looking for medium/longer-term investments, firstsave fixed rate bonds require only a modest minimum deposit and offer excellent fixed-term interest rates over various periods from six months to seven years. For our current products and rates, click here.

Our fixed rate bond(s) provide a safe and secure home for your money while earning a great rate of interest and are open to both new and existing firstsave customers.

With this product withdrawals are not permitted until maturity.

Minimum investment of ВЈ1,000 to get your interest paid annually.

Minimum investment of ВЈ5,000 to get your interest paid monthly.

Current interest rates

account	gross rate p.A.	AER
notice accounts
90 day notice monthly interest	0.50%	0.50%

90 day notice yearly interest	0.50%	0.50%
- the above rates are applicable from 08-01-2021
60 day notice monthly interest	0.40%	0.40%

60 day notice yearly interest	0.40%	0.40%
- the above rates are applicable from 20-12-2016
30 day notice monthly interest	0.20%	0.20%

30 day notice yearly interest	0.20%	0.20%
- the above rates are applicable from 20-12-2016
easy access savings accounts
easy access monthly interest	0.00%	0.00%

easy access yearly interest	0.00%	0.00%
- the above rates are applicable from 07-10-2016
fixed rate bond accounts - limited availability
1 year bond monthly interest - 39th issue	1.00%	1.00%

1 year bond yearly interest - 39th issue	1.00%	1.00%
- the above rates are applicable from 13-11-2020
2 year bond monthly interest - 23rd issue	1.15%	1.15%

2 year bond yearly interest - 23rd issue	1.15%	1.15%
- the above rates are applicable from 13-11-2020
3 year bond monthly interest - 8th issue	1.24%	1.25%

3 year bond yearly interest - 8th issue	1.25%	1.25%
- the above rates are applicable from 13-11-2020

Fixed rate loyalty bonds вђ“ limited availability

account	gross rate p.A.	AER
available only to maturing firstsave fixed rate bond account holders
1 year loyalty bond monthly interest - issue A11	0.80%	0.80%
1 year loyalty bond yearly interest - issue A11	0.80%	0.80%
- issue A11 rates applicable from 2-12-2020
2 year loyalty bond monthly interest - issue A12	0.95%	0.95%
2 year loyalty bond yearly interest - issue A12	0.95%	0.95%
- issue A12 rates applicable from 2-12-2020

AER means "annual equivalent rate" and is a notional rate which illustrates the gross interest rate as if paid and compounded on a monthly or annual basis whichever is applicable to the account.

Banking charges - the standard operation of your account will be free from charges. However, there may be exceptional times when charges apply, these are detailed in our tariff of charges.

Firstsave is provided by FBN bank (UK) ltd, authorised by
the prudential regulation authority and regulated by the
financial conduct authority and the prudential regulation authority
copyright © FBN bank (UK) ltd 2016

Way2save ® savings

A good choice for customers who want a variety of options to save automatically

The APY (annual percentage yield) is a percentage rate that reflects the total amount of interest paid on the account, based on the interest rate and the frequency of compounding for a 365-day period. Your account statement will include the APY earned on your savings accounts and interest-earning checking accounts for the period covered by the statement.

With a way2save savings account, you can save automatically when you link your savings account to a wells fargo checking account. Then, choose from a variety of automatic savings options that fit your needs.

Optional overdraft protection . Use your way2save savings account to protect your wells fargo checking account from overdrafts.

Secure online access. Carry wells fargo in your pocket with wells fargo mobile ® , and get secure online access with wells fargo online ® .

ATM card or linkage to your existing debit or ATM card. 5

Convenient access. Access more than 13,000 wells fargo atms and approximately 5,400 wells fargo branches.

Variable rates 3 (compounded daily) compare rates

balance	interest rate	APY
$0 or more	0,01%	0,01%

Avoid the monthly service fee when you have one of the following each fee period:

Maintain a $300 minimum daily balance, or

Set up and maintain one or more automatic, recurring savings options

Are under the age of 18 (19 in AL) and are the primary owner of this account 4

We’ll transfer $1 of your funds from your linked wells fargo checking account to your way2save savings account every time you:

Monthly: save on a monthly basis.

Set up a monthly automatic transfer of at least $25 from your wells fargo checking account to your way2save savings account

Daily: achieve your saving goals with as little as $1 a day.

How to save or restore facebook messenger access and data on android or PC

Read about signing in to facebook messenger if you lost access to your account, creating and recovering a messenger data backup just in case you can’t access your account. Facebook messenger allows users of the popular social network to stay connected all the time and anywhere, exchange text messages or send files. It is one of the main functions of this social network that all of its users benefit from. Certainly, the message history or the pictures you received from your friends are very important for you.

Previously, nobody would think about it too much as all information was kept safely in facebook website. However, times have changed and now the messenger is offered in special versions for smartphones and personal computers.

In this article, we will have a look at how to save and backup user’s message history in the messenger to prevent its permanent loss, how to create a copy of all user account data, and also how to recover user’s access to the messenger for windows.

How to recover access to the messenger for windows

The messenger for windows (messenger for desktop) has largely simplified the way that facebook users exchange messages. Now if you need to send a message, you don’t have to open the social network: start messenger on your PC in just one click.

Facebook messenger user registration data on a certain computer is saved to a cookies file which can be found in the folder:

C:\users\username\appdata\roaming\messenger for desktop

Having this file, users do not need to sign in, enter their password and e-mail address every time they start the application. All they need is to sign in once when they start the application for the first time.

If for some reason the user lost access to the messenger on PC (reinstallation of the application or the operating system, a system failure), it can be restored by recovering the file cookies of the version of such application with an already registered user and by using it to replace the similar file of the freshly installed application.

Run hetman partition recovery and scan drive C in your computer.

Using the program, go to the folder

C:\users\username\appdata\roaming\messenger for desktop
and find the file cookies

Use it to replace the file with the same name in the folder specified above.

Start messenger for desktop and the application will start with teh user who is already registered.

How to save a backup copy of the user’s entire message history in facebook

All message history of a facebook user, no matter if it was made from the website of this social network, with the messenger for PC or for android, is always transferred through a facebook account and saved there.

To enable users to ensure safety of their account data, facebook provides the opportunity to save a copy of entire user information including uploaded pictures and videos, contact information, names of facebook accounts of user’s friends, and the most important – complete message history.

In order to save a copy of facebook data:

Go to your facebook account from your computer and then go to the menu settings / general account settings

At the bottom of the window that opens, click on the link «download a copy of your facebook data» (your information on facebook)

Choose «download archive» in the next page, and after entering your account password, the archive will start downloading to your computer.

Note. Sometimes, before downloading the archive you may need to confirm your download with a registered user’s e-mail address to which a link for downloading the archive will be sent.

As a result, an archive containing all facebook account data will be downloaded to your computer.

When you open it, you can see folders with pictures and videos in full scale. There is also a separate folder «html» containing .Htm files that keep the entire account data including the file messages.Htm with a copy of chats. You can view all messages in a chronological order by opening the file messages.Htm.

How to archive messenger history for android

In facebook messenger there are two ways of taking messages away from the history – by deleting or archiving them. If deleted, the chat will be lost forever, and if archived – the entire message history with a certain user will be restored after a message is received from him or sent to him (it doesn’t matter where, on an android device or on PC).

To archive a chat with a certain user in android, start messenger and find the chat you need to archive. Click on such chat and hold until a context menu appears.

Choose the line «archive» and the message history with this user will no longer be visible in the list of your chats because it will be archived.

It can be restored both at facebook website and in the messenger of your smartphone.

Where are pictures sent by messenger for android kept?

By default, all photos and pictures sent via messenger are not saved to the smartphone’s memory. They are just shown in the application and they can be viewed, but it is not possible to use them for other purposes in your device.

Nevertheless, in messenger for smartphones you can set up automatic saving of all photos and pictures sent to your android device. To do it:

Start the messenger on your smartphone

Go to the settings menu and select the item photos & media

Enable functions «save photo» and «save on capture», and all images received or taken with the use of an application will be automatically saved to the smartphone’s memory. To be more exact, in the folder: pictures / messenger

If the application is uninstalled or fails, such pictures will still be stored in the memory of your device.

If there is no need to save automatically all images received via your messenger, you can save them one by one (when and as necessary). To do it, go to the chat that you need to save messages from and click on the necessary image by holding your finger on it.

In the menu that opens, choose «save image» and it will be saved to the same folder: pictures / messenger.

Compare instant and easy access savings accounts

Compare these easy access accounts that could earn you a high interest rate and let you withdraw your savings whenever you need to.

Most popular

Savings accounts

Instant and easy access

Cash ISA

Fixed rate bonds

Investment ISA

Peer to peer investments

More from saving accounts

Business savings account

Children's savings account

Fixed rate cash isas

Innovative finance ISA

Notice savings accounts

Savings guides

Who we compare

Show me affiliated products first

This product is only available to existing members. Withdrawal conditions apply. Must have the basic plum app membership to upgrade to plus/pro.

There are basic/plus/pro app membership levels with a monthly fee for plus/pro. £1/month for plus. £2.99/mon for pro.

What is an instant access savings account?

Savings accounts are just there for you to earn interest. They don't offer the special features that current accounts do, like paying bills or spending on your debit card.

If you want to find the best instant access savings accounts, you've come to the right place. Use our comparison table to find the best easy access savings account with a good rate.

Is an easy access savings account right for me?

How do I find the best instant access savings account?

If you're thinking of opening one of these accounts, it's a good idea to understand a little bit about how they work before you pick one.

To find the best instant access savings account, you'll need to think about:

The interest rate: A higher interest rate gives you a better return on your money

How much you need to put in when you open the account: some accounts need just 1p, yet others need up to Ј10,000

How you want to manage the account: some accounts are online, yet others are managed in a branch, on the phone or by post

Whether your money's protected: choose an account with a bank or building society that uses a compensation scheme.

What's the difference between an instant access savings account and an easy access savings account?

An easy access savings account also lets you withdraw money by faster payment, bank transfer or cheque by post.

How much do you need to open an instant access savings account?

Do I pay tax on interest I earn from my instant savings account?

Most people don't pay tax on savings interest because everyone has a personal savings allowance. It's only people with lots of savings that pay interest on them.

Basic-rate taxpayers can earn Ј1,000 in savings interest tax-free and higher-rate taxpayers can earn Ј500.

What are the downsides of instant access savings accounts?

Is there an instant savings account with a high interest rate?

Some of the best easy access accounts pay a slightly higher rate than others.

The best easy access savings option will have a good rate and restrictions that won't be a problem for you personally.

What is the best way to save for your child?

The best way to save for your child is likely to be through a children's savings account. It is a savings account that can only be opened by, or on behalf of, a child under 18.

For example, an instant access children's savings account will let you pay money in and take it out when it's needed, but will not usually offer you very competitive interest rates.

If you think you will need to access your child's savings then an instant access savings account should suit your needs.

If access is not a priority and you are looking for higher interest accounts, fixed term bonds and junior stocks and shares isas could produce a better return on your child's money.

What's the best instant access savings accounts for over 50s?

If you're looking for the savings accounts for over 50s, you'll see that there aren't many age-specific accounts available.

There are a few, but they don't pay high rates in comparison to other easy access ISA options that aren't age-specific.

Instead, you might be better off doing a more general search. Or, you could just look at traditional savings accounts with good rates, which also give you easy access to your money.

Instant access saving faqs

How much can I save in an instant access account?

Grant limited access to azure storage resources using shared access signatures (SAS)

A shared access signature (SAS) provides secure delegated access to resources in your storage account. With a SAS, you have granular control over how a client can access your data. For example:

What resources the client may access.

What permissions they have to those resources.

How long the SAS is valid.

Types of shared access signatures

Azure storage supports three types of shared access signatures:

User delegation SAS

A user delegation SAS is secured with azure active directory (azure AD) credentials and also by the permissions specified for the SAS. A user delegation SAS applies to blob storage only.

For more information about the user delegation SAS, see create a user delegation SAS (REST API).

Service SAS

A service SAS is secured with the storage account key. A service SAS delegates access to a resource in only one of the azure storage services: blob storage, queue storage, table storage, or azure files.

For more information about the service SAS, see create a service SAS (REST API).

Account SAS

An account SAS is secured with the storage account key. An account SAS delegates access to resources in one or more of the storage services. All of the operations available via a service or user delegation SAS are also available via an account SAS.

You can also delegate access to the following:

Service-level operations (for example, the get/set service properties and get service stats operations).

Read, write, and delete operations that aren't permitted with a service SAS.

For more information about the account SAS, create an account SAS (REST API).

Microsoft recommends that you use azure AD credentials when possible as a security best practice, rather than using the account key, which can be more easily compromised. When your application design requires shared access signatures for access to blob storage, use azure AD credentials to create a user delegation SAS when possible for superior security. For more information, see authorize access to blobs and queues using azure active directory.

A shared access signature can take one of the following two forms:

Ad hoc SAS. When you create an ad hoc SAS, the start time, expiry time, and permissions are specified in the SAS URI. Any type of SAS can be an ad hoc SAS.

Service SAS with stored access policy. A stored access policy is defined on a resource container, which can be a blob container, table, queue, or file share. The stored access policy can be used to manage constraints for one or more service shared access signatures. When you associate a service SAS with a stored access policy, the SAS inherits the constraintsвђ”the start time, expiry time, and permissionsвђ”defined for the stored access policy.

A user delegation SAS or an account SAS must be an ad hoc SAS. Stored access policies are not supported for the user delegation SAS or the account SAS.

How a shared access signature works

A shared access signature is a signed URI that points to one or more storage resources. The URI includes a token that contains a special set of query parameters. The token indicates how the resources may be accessed by the client. One of the query parameters, the signature, is constructed from the SAS parameters and signed with the key that was used to create the SAS. This signature is used by azure storage to authorize access to the storage resource.

It's not possible to audit the generation of SAS tokens. Any user that has privileges to generate a SAS token, either by using the account key, or via an azure RBAC role assignment, can do so without the knowledge of the owner of the storage account. Be careful to restrict permissions that allow users to generate SAS tokens. To prevent users from generating a SAS that is signed with the account key for blob and queue workloads, you can disallow shared key access to the storage account. For more information, see prevent authorization with shared key.

SAS signature and authorization

You can sign a SAS token with a user delegation key or with a storage account key (shared key).

Signing a SAS token with a user delegation key

You can sign a SAS token by using a user delegation key that was created using azure active directory (azure AD) credentials. A user delegation SAS is signed with the user delegation key.

To get the key, and then create the SAS, an azure AD security principal must be assigned an azure role that includes the microsoft.Storage/storageaccounts/blobservices/generateuserdelegationkey action. For more information, see create a user delegation SAS (REST API).

Signing a SAS token with an account key

Both a service SAS and an account SAS are signed with the storage account key. To create a SAS that is signed with the account key, an application must have access to the account key.

When a request includes a SAS token, that request is authorized based on how that SAS token is signed. The access key or credentials that you use to create a SAS token are also used by azure storage to grant access to a client that possesses the SAS.

The following table summarizes how each type of SAS token is authorized.

Type of SAS	type of authorization
user delegation SAS (blob storage only)	azure AD
service SAS	shared key
account SAS	shared key

Microsoft recommends using a user delegation SAS when possible for superior security.

SAS token

The SAS token is a string that you generate on the client side, for example by using one of the azure storage client libraries. The SAS token is not tracked by azure storage in any way. You can create an unlimited number of SAS tokens on the client side. After you create a SAS, you can distribute it to client applications that require access to resources in your storage account.

Client applications provide the SAS URI to azure storage as part of a request. Then, the service checks the SAS parameters and the signature to verify that it is valid. If the service verifies that the signature is valid, then the request is authorized. Otherwise, the request is declined with error code 403 (forbidden).

Here's an example of a service SAS URI, showing the resource URI and the SAS token. Because the SAS token comprises the URI query string, the resource URI must be followed first by a question mark, and then by the SAS token:

When to use a shared access signature

Use a SAS to give secure access to resources in your storage account to any client who does not otherwise have permissions to those resources.

A common scenario where a SAS is useful is a service where users read and write their own data to your storage account. In a scenario where a storage account stores user data, there are two typical design patterns:

Clients upload and download data via a front-end proxy service, which performs authentication. This front-end proxy service allows the validation of business rules. But for large amounts of data, or high-volume transactions, creating a service that can scale to match demand may be expensive or difficult.

A lightweight service authenticates the client as needed and then generates a SAS. Once the client application receives the SAS, it can access storage account resources directly. Access permissions are defined by the SAS and for the interval allowed by the SAS. The SAS mitigates the need for routing all data through the front-end proxy service.

Many real-world services may use a hybrid of these two approaches. For example, some data might be processed and validated via the front-end proxy. Other data is saved and/or read directly using SAS.

Additionally, a SAS is required to authorize access to the source object in a copy operation in certain scenarios:

When you copy a blob to another blob that resides in a different storage account.

You can optionally use a SAS to authorize access to the destination blob as well.

When you copy a file to another file that resides in a different storage account.

You can optionally use a SAS to authorize access to the destination file as well.

When you copy a blob to a file, or a file to a blob.

You must use a SAS even if the source and destination objects reside within the same storage account.

Best practices when using SAS

When you use shared access signatures in your applications, you need to be aware of two potential risks:

If a SAS is leaked, it can be used by anyone who obtains it, which can potentially compromise your storage account.

If a SAS provided to a client application expires and the application is unable to retrieve a new SAS from your service, then the application's functionality may be hindered.

The following recommendations for using shared access signatures can help mitigate these risks:

Always use HTTPS to create or distribute a SAS. If a SAS is passed over HTTP and intercepted, an attacker performing a man-in-the-middle attack is able to read the SAS. Then, they can use that SAS just as the intended user could have. This can potentially compromise sensitive data or allowing for data corruption by the malicious user.

Use a user delegation SAS when possible. A user delegation SAS provides superior security to a service SAS or an account SAS. A user delegation SAS is secured with azure AD credentials, so that you do not need to store your account key with your code.

Have a revocation plan in place for a SAS. Make sure you are prepared to respond if a SAS is compromised.

Define a stored access policy for a service SAS. Stored access policies give you the option to revoke permissions for a service SAS without having to regenerate the storage account keys. Set the expiration on these very far in the future (or infinite) and make sure it's regularly updated to move it farther into the future.

Use near-term expiration times on an ad hoc SAS service SAS or account SAS. In this way, even if a SAS is compromised, it's valid only for a short time. This practice is especially important if you cannot reference a stored access policy. Near-term expiration times also limit the amount of data that can be written to a blob by limiting the time available to upload to it.

Have clients automatically renew the SAS if necessary. Clients should renew the SAS well before the expiration, in order to allow time for retries if the service providing the SAS is unavailable. This might be unnecessary in some cases. For example, you might intend for the SAS to be used for a small number of immediate, short-lived operations. These operations are expected to be completed within the expiration period. As a result, you are not expecting the SAS to be renewed. However, if you have a client that is routinely making requests via SAS, then the possibility of expiration comes into play.

Be careful with SAS start time. If you set the start time for a SAS to the current time, failures might occur intermittently for the first few minutes. This is due to different machines having slightly different current times (known as clock skew). In general, set the start time to be at least 15 minutes in the past. Or, don't set it at all, which will make it valid immediately in all cases. The same generally applies to expiry time as well--remember that you may observe up to 15 minutes of clock skew in either direction on any request. For clients using a REST version prior to 2012-02-12, the maximum duration for a SAS that does not reference a stored access policy is 1 hour. Any policies that specify a longer term than 1 hour will fail.

Be careful with SAS datetime format. For some utilities (such as azcopy), you need datetime formats to be '+%Y-%m-%dt%H:%M:%SZ'. This format specifically includes the seconds.

Be specific with the resource to be accessed. A security best practice is to provide a user with the minimum required privileges. If a user only needs read access to a single entity, then grant them read access to that single entity, and not read/write/delete access to all entities. This also helps lessen the damage if a SAS is compromised because the SAS has less power in the hands of an attacker.

Understand that your account will be billed for any usage, including via a SAS. If you provide write access to a blob, a user may choose to upload a 200 GB blob. If you've given them read access as well, they may choose to download it 10 times, incurring 2 TB in egress costs for you. Again, provide limited permissions to help mitigate the potential actions of malicious users. Use short-lived SAS to reduce this threat (but be mindful of clock skew on the end time).

Validate data written using a SAS. When a client application writes data to your storage account, keep in mind that there can be problems with that data. If you plan to validate data, perform that validation after the data is written and before it is used by your application. This practice also protects against corrupt or malicious data being written to your account, either by a user who properly acquired the SAS, or by a user exploiting a leaked SAS.

Know when not to use a SAS. Sometimes the risks associated with a particular operation against your storage account outweigh the benefits of using a SAS. For such operations, create a middle-tier service that writes to your storage account after performing business rule validation, authentication, and auditing. Also, sometimes it's simpler to manage access in other ways. For example, if you want to make all blobs in a container publicly readable, you can make the container public, rather than providing a SAS to every client for access.

Use azure monitor and azure storage logs to monitor your application. Authorization failures can occur because of an outage in your SAS provider service. They can also occur from an inadvertent removal of a stored access policy. You can use azure monitor and storage analytics logging to observe any spike in these types of authorization failures. For more information, see azure storage metrics in azure monitor and azure storage analytics logging.

Get started with SAS

To get started with shared access signatures, see the following articles for each SAS type.

Saga easy access savings account

You can get to your money easily with this account, whether you want to add to or withdraw some of your savings. The saga easy access savings account, provided by goldman sachs international bank, is available to UK residents aged 50 and over.

Saga easy access savings account

The benefits

0.40% AER* (variable)

Start saving with just £1

No fees or charges

you can transfer money in and out of this account as often as you like. There are no fees or charges, and you can pay in anything from £1 up to a maximum balance of £100,000. For your safety there is a £20,000 daily withdrawal limit for online transactions – you can withdraw a larger sum by calling our team and they will arrange it for you.

What is the interest rate?

Interest is calculated daily and paid monthly into this account.

What would the estimated balance be after 12 months based on a £1,000 deposit?

Projected balance after 12 months
(interest rate of 0.40% AER)

This projection assumes that you do not make any withdrawals or further deposits and that interest is paid into this account. This is for illustrative purposes only and doesn't take into account your individual circumstances.

Frequently asked questions

Need help? We've created a list of commonly asked questions about saga savings and provided helpful answers here.

If you need any help with your online application, please call the customer care team.

Financial services compensation scheme

Your eligible deposits with goldman sachs international bank are protected up to a total of £85,000 by the financial services compensation scheme (FSCS), the UK's deposit guarantee scheme.

This limit is applied to the total of any deposits you have with goldman sachs international bank (GSIB) under any brand, including saga savings (where the saga savings account is provided by GSIB), and marcus by goldman sachs. Any total deposits you hold above the limit between these brands are unlikely to be covered.

You can find out more about how the scheme protects your money by visiting the FSCS page.

*AER stands for annual equivalent rate and illustrates what the interest rate would be if interest was paid and compounded once a year. Gross is the interest rate before tax is deducted.

The saga easy access savings account and the saga 1 year fixed rate saver are provided by goldman sachs international bank. Goldman sachs international bank is registered in england and wales (no. 1122503), authorised by the prudential regulation authority and regulated by the financial conduct authority and the prudential regulation authority. The financial services register number for goldman sachs international bank is 124659 and the registered office is at plumtree court, 25 shoe lane, london, EC4A 4AU.

Saga personal finance is a registered trading name of saga personal finance limited: company registration no. 3023493.

Accounts

Notice accounts

With a small minimum balance, firstsave notice accounts help you save by providing a fixed notice period before you can withdraw your savings.

For both new and existing customers to firstsave, our notice accounts give you the opportunity to earn that bit extra.

Minimum investment of ВЈ100 to get your interest paid annually.

Minimum investment of ВЈ5,000 to get your interest paid monthly.

If you think this is the savings account for you, click on 'apply now', then follow the easy steps.

Easy access

With this variable rate account, you have immediate access to your savings. To open one, you need only a small initial deposit and then your money starts earning very attractive rates of interest.

Whether you're an existing customer or new to firstsave, our easy access account can be a sound investment.

Minimum investment of ВЈ100 to get your interest paid annually

Minimum investment of ВЈ5,000 to get your interest paid monthly

Fixed rate bonds

Our fixed rate bond(s) provide a safe and secure home for your money while earning a great rate of interest and are open to both new and existing firstsave customers.

With this product withdrawals are not permitted until maturity.

Minimum investment of ВЈ1,000 to get your interest paid annually.

Minimum investment of ВЈ5,000 to get your interest paid monthly.

Current interest rates

account	gross rate p.A.	AER
notice accounts
90 day notice monthly interest	0.50%	0.50%

90 day notice yearly interest	0.50%	0.50%
- the above rates are applicable from 08-01-2021
60 day notice monthly interest	0.40%	0.40%

60 day notice yearly interest	0.40%	0.40%
- the above rates are applicable from 20-12-2016
30 day notice monthly interest	0.20%	0.20%

30 day notice yearly interest	0.20%	0.20%
- the above rates are applicable from 20-12-2016
easy access savings accounts
easy access monthly interest	0.00%	0.00%

easy access yearly interest	0.00%	0.00%
- the above rates are applicable from 07-10-2016
fixed rate bond accounts - limited availability
1 year bond monthly interest - 39th issue	1.00%	1.00%

1 year bond yearly interest - 39th issue	1.00%	1.00%
- the above rates are applicable from 13-11-2020
2 year bond monthly interest - 23rd issue	1.15%	1.15%

2 year bond yearly interest - 23rd issue	1.15%	1.15%
- the above rates are applicable from 13-11-2020
3 year bond monthly interest - 8th issue	1.24%	1.25%

3 year bond yearly interest - 8th issue	1.25%	1.25%
- the above rates are applicable from 13-11-2020

Fixed rate loyalty bonds вђ“ limited availability

account	gross rate p.A.	AER
available only to maturing firstsave fixed rate bond account holders
1 year loyalty bond monthly interest - issue A11	0.80%	0.80%
1 year loyalty bond yearly interest - issue A11	0.80%	0.80%
- issue A11 rates applicable from 2-12-2020
2 year loyalty bond monthly interest - issue A12	0.95%	0.95%
2 year loyalty bond yearly interest - issue A12	0.95%	0.95%
- issue A12 rates applicable from 2-12-2020

AER means "annual equivalent rate" and is a notional rate which illustrates the gross interest rate as if paid and compounded on a monthly or annual basis whichever is applicable to the account.

Banking charges - the standard operation of your account will be free from charges. However, there may be exceptional times when charges apply, these are detailed in our tariff of charges.

so, let's see, what was the most valuable thing of this article: instant access savings or easy access savings accounts pay interest on your balance and let you get your money when you need to. Compare our best easy access savings and instant access savings account account that pays the high interest rate so you earn the most back. At access save account