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Kent Reliance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Kent Reliance pays 3.75% on an easy-access account that takes a minimum deposit of £1, so it suits UK savers who want to reach money at any time rather than lock a balance away. The rate is variable, and deposits sit with OneSavings Bank plc under FSCS up to GBP 85,000.

Key facts

Best for
A UK easy-access account that pays a variable rate with a small minimum deposit.
Headline rate
3.75%↗
Rate type
Variable↗
Minimum deposit
£1↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
Access your money anytime↗
Account kind
Easy access↗
Legal entity
OneSavings Bank plc↗
Headquarters
United Kingdom↗
Founded
1840 to 1849↗
Support channels
Phone, Email, Help-centre↗
Official website
kentreliance.co.uk

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataWikipediaXfacebook.com

Pros and cons

Pros

  • Variable rate of 3.75% with no fixed term to lock into
  • Minimum deposit of £1 keeps the account easy to open
  • Access your money anytime on an easy-access account
  • Help is available by phone, email and help centre

Cons

  • The rate is variable (variable), so the return can fall as well as rise
  • A fixed-rate term is not among the account types listed (easy access)
  • Protection is capped at FSCS up to GBP 85,000, so anything above that limit sits uncovered

Ready to try Kent Reliance?

Scored 9.4 / 10 by SumCue.

See alternatives

Who it suits

  • Savers who need to reach money without a notice period
  • Anyone keeping a small balance rather than a large lump sum
  • UK households who prefer a variable rate that tracks the market

Who should look elsewhere

  • bunq, if you want a euro-based account with multi-currency features
  • Wise, if you need interest alongside international transfers
  • Finteres, if you want business savings rather than a personal easy-access account

Deposit protection

Savings are held by OneSavings Bank plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. The account carries FSCS up to GBP 85,000, so qualifying deposits are covered by the FSCS up to that limit per person. The bank is based in the UK.

How Kent Reliance compares

Where Kent Reliance is available

Available
United Kingdom
Licence in United Kingdom
Prudential Regulation Authority (authorised) and Financial Conduct Authority (regulated) (530504), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Kent Reliance pay on its easy-access account?+

Kent Reliance pays a variable rate of 3.75% on its easy-access account. The rate can move up or down, so the amount you earn is not fixed for the life of the account. The bank has run since 1,840 to 1,849.

How much do I need to open the account?+

The minimum deposit is £1, so opening the account does not need a large balance. You can add more once it is open. The account is an easy-access account, designed for regular use rather than a locked-in deposit.

Can I get my money out when I want it?+

Access your money anytime is the stated access term for this easy-access account. There is no fixed term or notice period to serve, so withdrawals can be made whenever you choose. It is not a notice account, so you do not wait out a period before getting funds.

Is the money protected?+

Yes. Deposits are covered by FSCS up to GBP 85,000, so eligible savings are covered by the FSCS up to that limit per person. The account is run by OneSavings Bank plc, the UK banking entity behind the brand.

Which regulator supervises Kent Reliance?+

The bank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. It is registered in Great Britain, so it operates under the UK regulatory framework and the UK deposit guarantee scheme.

How can I get help?+

Support runs through phone, email and help centre. Phone and email are the main routes for questions about the account, with a help centre for self-service information. A rate of 3.75% is variable, so it is worth checking terms if the rate has moved.

Who is this account for?+

It suits savers who want everyday access to their money and a variable return, rather than a fixed rate locked for a term. A minimum deposit of £1 makes it practical for smaller balances. It is a personal easy-access account, not a business savings product.

Sources

  • kentreliance.co.uk checked September 26, 2026

    Backs: Deposit protection, Headquarters, Legal entity, Licences

    “Registered office: The Observatory, Brunel Way, Dock Road, Chatham, Kent, ME4 4AF.”

  • kentreliance.co.uk/about-us checked September 26, 2026

    Backs: Founded

    “We've been helping our customers save for the important things in life since the 1840s”

  • kentreliance.co.uk/contact-us checked September 26, 2026

    Backs: Support channels

    “Contact us by phone 0345 122 1120 ... Contact us by email: customerservice@kentreliance.co.uk”

  • kentreliance.co.uk/products/savings checked September 26, 2026

    Backs: Access terms, Rate type

    “Easy Access Savings Account - Issue 16 ... Access your money anytime”

  • kentreliance.co.uk/products/savings/easy-access-savings-a... checked September 26, 2026

    Backs: Account kind, Headline rate, Minimum deposit

    “An Easy access savings account from Kent Reliance can help your money grow while giving you access online to the cash you need, when you need it.”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Term.

Kent Reliance

A UK easy-access account that pays a variable rate with a small minimum deposit.

9.4/10See alternatives