The Top Easy Access Savings Discussion Area

janusd

snappyfish said:

Chip recommended @ 3.82%?

 I'm currently with Zopa smart saver 3.46% (83k) and Santander E-saver 3.20% (52k)

Any suggestions for easy access? Thanks

I just emptied my E-saver (though it had less than £70 in) and will move it into one of my other higher paying accounts - you need to remember that it's only a 12-month account before it gets converted to an Everyday Saver at 0.7% in a few months time.

It's too much hassle for me to use Chip (as my two main current account aren't options in the app), but there are easier alternatives for me that I use via FP, e.g Tandem & Shawbrook (3.75%), and Cynergy @ 3.71% - even if I had £85k in any of these accounts, it's less than £50 difference over a year than Chip - and I can live with that.

in your circumstances, there are better options than Zopa and Santander - if you need quickish access to the money, then Tandem & Cynergy would be good options... if you can wait til potentially next working day, Shawbrook.

ranciduk

Anyone know if HSBC’s online saver rate is going up anytime soon?

mebu60

ranciduk said:

Anyone know if HSBC’s online saver rate is going up anytime soon?

My £10k plius interest likely to be going elsewhere next Thursday.

smithers1981

snappyfish said:

Chip recommended @ 3.82%?

 I'm currently with Zopa smart saver 3.46% (83k) and Santander E-saver 3.20% (52k)

Any suggestions for easy access? Thanks

Tandem 3.75%

allegro120

snappyfish said:

Chip recommended @ 3.82%?

 I'm currently with Zopa smart saver 3.46% (83k) and Santander E-saver 3.20% (52k)

Any suggestions for easy access? Thanks

85k to Chip (3.82%) and 50k to Tandem (3.75%).

Nick_C

wiseonesomeofthetime said:

Email from Saffron BS

Great news! On 24 May 2023 we increased the rate on your E-Saver to 3.45% Gross p.a / AER



My £10 (minimum balance allowed to keep account open) will rise dramatically now then. Not! 🤦‍♂️😂

Saffron BS "My Saver" has a minimum deposit of £1 and also pays 3.45%.   

Not a top easy access saver, but the best account to maintain your Saffron membership in case they come up with something competitive in future.

https://www.saffronbs.co.uk/savings/immediate-access-savings-accounts/my-saver

Wheres_My_Cashback

ForumUser7 said:

S_uk said:

I wonder when we'll breach the 4.00% barrier for EA (bar Hanley BS, reg savers etc).

I already have a 4% easy access account - KR Demelza Issue 7. It’s one I can keep for the rest of my life as I opened it before I turned 18 - was a very good decision. Those who held Issue 6 and below currently get 4.25%!

   YBS loyalty already at 4% (NLA)

ForumUser7

Wheres_My_Cashback said:

ForumUser7 said:

S_uk said:

I wonder when we'll breach the 4.00% barrier for EA (bar Hanley BS, reg savers etc).

I already have a 4% easy access account - KR Demelza Issue 7. It’s one I can keep for the rest of my life as I opened it before I turned 18 - was a very good decision. Those who held Issue 6 and below currently get 4.25%!

   YBS loyalty already at 4% (NLA)

Limited access though - 6 per year IIRC. Mine is unlimited access (NLA too)

VNX

S_uk said:

I wonder when we'll breach the 4.00% barrier for EA (bar Hanley BS, reg savers etc).

Will undoubtedly be breached inflation sure always erodes savings but that’s life these savings rates rises and competitive market is a very welcome change for savers 

ForumUser7

soulsaver said:

Ford Money rumoured (?) Flex Saver 3.75% wef 01/06  (source?)

@soulsaver, re your tweet in TOTP no chat thread, source ~

https://twitter.com/fordmoney/status/1662081329368911875?s=20

https://forums.moneysavingexpert.com/discussion/comment/80075874/#Comment_80075874