Kent Reliance review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Kent Reliance is a straightforward easy-access saver: you can take your money out any time, the balance stays protected and the headline rate of 3.75% sits above the savings median 3.08%. It suits UK savers who want a variable rate, a small opening deposit and real people to call.
Key facts
- Best for
- Saving at a rate above the savings median, with access any time and a £1 opening 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
- Headline rate of 3.75% is above the savings median 3.08%.
- Access your money anytime on an account of the easy access kind.
- Your balance is covered by deposit protection of FSCS up to GBP 85,000.
- You can reach support by phone, email and help centre.
Cons
- A variable rate means the interest can change, so the headline rate may not hold.
- The headline rate ranks 172 of 473 brands on the comparison.
- The overall score is 4.8, with cost at 3.8 against offer at 6.1.
Ready to try Kent Reliance?
Scored 9.4 / 10 by VaultCue.
Who it suits
- Savers who want to dip into their money without giving notice.
- Anyone starting small, since the account opens at £1.
- UK savers who would rather phone or email than rely on a help centre alone.
Who should look elsewhere
- Savers who want a fixed rate locked for a set period, since this account pays a variable rate.
- Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, so if the headline rate alone decides it, both read higher.
- PayPal Colombia shows 3.3%, below the Kent Reliance figure, so it earns less on the current headline rate.
Rates and card terms
The account pays a variable rate, with a headline rate of 3.75% on the easy-access savings account. A variable rate means the interest can rise or fall, so the headline figure is a starting point rather than a fixed return. Nothing is locked in, which suits balances that may be needed during the year.
The company behind it
The account is run by OneSavings Bank plc, based in the United Kingdom and operating since 1,840 to 1,849. It is 530504, so your money sits with a bank rather than a wallet provider. Support runs on phone, email and help centre, giving you people to call as well as written help.
How Kent Reliance compares
9.4 vs 8.6
9.4 vs 9.5
9.4 vs 8.0
9.4 vs 8.9
9.4 vs 8.9
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 8.9
9.4 vs 8.7- 9.4 vs 8.0
9.4 vs 9.0
9.4 vs 8.1
9.4 vs 8.7
9.4 vs 8.0
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.0
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.4
9.4 vs 8.3
9.4 vs 9.0
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 the Kent Reliance easy-access account pay?+
The headline rate is 3.75%, and it is a variable rate. That sits above the savings comparison median 3.08%. On the headline rate the account ranks 172 of 473 brands, so it is competitive without being an outlier.
Is the interest rate fixed or variable, and can it change?+
It is a variable rate, so the interest can move. The 3.75% headline rate is the current figure rather than a promise for a set period, and most savings accounts in the ranking are variable too, with 76.8% in that group.
How much do I need to put in to open the account?+
The minimum deposit is £1, so you can start small and add more whenever you like. On minimum deposit the account ranks 220 of 370 brands, among the smallest opening amounts in the savings ranking.
Is my money safe in this account?+
Your balance sits within deposit protection of FSCS up to GBP 85,000. The account is provided by OneSavings Bank plc, which is 530504. Because the provider is a UK bank, your savings are held as a bank deposit rather than a wallet balance.
Can I get my money out whenever I want?+
Access your money anytime on this account, and the account kind is easy access, so there is no notice period to serve. You can dip into the balance for a bill or a purchase without closing anything, and the variable rate of 3.75% still applies while the money sits there.
How do I get help if something goes wrong?+
Support is offered by phone, email and help centre, so you can phone the team, send an email or read the help centre. Among savings accounts in the ranking, 82.6% offer phone support and 76.7% run a help centre, which keeps Kent Reliance in the mainstream group.
Who is this account for?+
It suits savers who want a variable rate, easy access and a small starting amount. The minimum deposit of £1 makes it easy to begin, and the 3.75% headline rate is above the savings median 3.08%. It also suits anyone who would rather call than chat.
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.
Related by the facts
Kent Reliance
Saving at a rate above the savings median, with access any time and a £1 opening deposit.