Online Easy Access Account

Great rates and instant access to funds

At United Bank UK, we’ve created a smart, secure and easy-to-use savings account. Providing instant access to your funds via UBL UK Online Banking, the Online Easy Access Account helps you keep track of your finances and prepare for those unforeseen expenditures and emergencies.

Giving you flexibility and control over your money, UBL Online Easy Access Account is a convenient way for you to maximise your personal income. It offers an unrestricted number of deposits and withdrawals (subject to daily online banking limits), and enables you to manage your funds in a way that works for you. You’ll also benefit from a highly competitive rate of interest. Calculated daily, interest is paid out once a year, with the potential to earn 0.90% AER annually, while Financial Services Compensation Scheme (FSCS) protection means your money is totally secure.

The UBL Online Easy Access Account is available as a sole or joint account. The minimum interest earning balance requirement is £500, and the maximum interest-earning balance is £200,000.

Account Name

Online Easy Access Account


0.90% AER

Variable interest rate

Interest calculated on daily basis

Interest paid annually

Tax Status

Interest will be paid after the deduction of tax at the prevailing rate, unless instructed otherwise

Conditions for bonus payments

There is no bonus available on this account

 Deposit and  Withdrawals 


Unlimited number of deposits Unlimited number of  withdrawals  (subject to daily online banking limits  (£10,000)).

One free withdrawal allowed each calendar month and £1 charge for each subsequent  withdrawal within the same month.

Account Access

Online only (via UBL Online Banking)

Balance Requirements

Minimum interest earning balance: £500

Maximum interest earning balance: £200,000

Eligibility criteria

In order to be eligible for UBL Online Easy Access, you must:

  • Be a UK resident
  • Be 18 or older
  • Have an account with an existing UK bank or building society

Applications and downloads

To apply for UBL Online Easy Access, simply download the relevant form from this page, fill it out, and return it to one of our branches. Alternatively, you can contact our call centre at 0800 218 22 66.

Please select the links below for our Product Specific and General Terms and Conditions:

Savings Accounts Terms and Conditions
Personal Banking General Terms and Conditions


To help you in your product selection, you may find the following definitions useful:

  • Gross interest: the contractual rate of interest payable before the deduction of income tax at the rate specified by law.
  • AER (Annual Equivalent Rate): the AER illustrates what the true rate of interest would be if interest was paid and compounded each year. Please note that the actual interest rate, based on the interest payment frequency you chose, will be different than the AER advertised. If interest is paid more frequently to your account, the actual rate applied would be lower.