The Top Easy Access Savings Discussion Area

janusd

@soulsaver
Dudley BS Easy Access Saver Online Issue 2 @ 4.75% (>£250) with annual interest paid on 31st March

it wouldn't currently get into your top 10, but might be worth making a note of.

janusd

Zopa rates have been updated - still nothing to get excited about though.

• The new rate for Access pots will be: 4.54% AER* variable (4.44% gross**). This was applied to your account on 13/09/23. The old rate was: 4.28% AER* variable (4.19% gross**).
• The new rate for 7 Day Boosted pots will be: 4.57% AER* variable (4.47% gross**). This was applied to your account on 13/09/23. The old rate was: 4.32% AER* variable (4.23% gross**).
• The new rate for 31 Day Boosted pots will be: 4.65% AER* variable (4.55% gross**). This was applied to your account on 13/09/23. The old rate was: 4.42% AER* variable (4.33% gross**).
• The new rate for 95 Day Boosted pots will be: 4.80% AER* variable (4.69% gross**). This was applied to your account on 13/09/23. The old rate was: 4.52% AER* variable (4.42% gross**).

Bridlington1

janusdesign said:

@soulsaver
Dudley BS Easy Access Saver Online Issue 2 @ 4.75% (>£250) with annual interest paid on 31st March

it wouldn't currently get into your top 10, but might be worth making a note of.

Also of note is that this account allows deposits by debit card of £10+ online, which could be useful for some.

Zaul22

Those Zopa rates are not 100% terrible right now before the base rate goes up, but they will be a soon as it does. 

ToastLady

janusdesign said:

Zopa rates have been updated - still nothing to get excited about though.

• The new rate for Access pots will be: 4.54% AER* variable (4.44% gross**). This was applied to your account on 13/09/23. The old rate was: 4.28% AER* variable (4.19% gross**).
• The new rate for 7 Day Boosted pots will be: 4.57% AER* variable (4.47% gross**). This was applied to your account on 13/09/23. The old rate was: 4.32% AER* variable (4.23% gross**).
• The new rate for 31 Day Boosted pots will be: 4.65% AER* variable (4.55% gross**). This was applied to your account on 13/09/23. The old rate was: 4.42% AER* variable (4.33% gross**).
• The new rate for 95 Day Boosted pots will be: 4.80% AER* variable (4.69% gross**). This was applied to your account on 13/09/23. The old rate was: 4.52% AER* variable (4.42% gross**).

Zaul22 said:

Those Zopa rates are not 100% terrible right now before the base rate goes up, but they will be a soon as it does. 

They are nowhere good enough, and even worse for the notice pots. If they had put their basic at 4.8% and went up from there with pots, they might have kept me. Shame as I really liked Zopa.

Sg28

Zaul22 said:

Those Zopa rates are not 100% terrible right now before the base rate goes up, but they will be a soon as it does. 

4.54% is pretty poor for easy access. And the notice accounts have never really been competitive anyway. 

RedImp_2

Zerforax said:

Ugh made the mistake of quickly opening a Santander account without thinking. Did it in my name but in hindsight we need it in my partner's name as they're not a higher rate tax payer. Will probably just leave it in Chip for now.

I presume Chip is in your partners name?  Otherwise makes no sense 

Zaul22

Sg28 said:

Zaul22 said:

Those Zopa rates are not 100% terrible right now before the base rate goes up, but they will be a soon as it does. 

4.54% is pretty poor for easy access.

That's what I mean, they have be upgraded from absolutely awful to pretty poor.
Now they are about 30 points behind the average when before they were like 90 points lower. 

Bridlington1

@soulsaver
YBS Online Rainy Day Issue 2 now pays 5%. The new rate isn't showing on their website yet but is when logged into online banking.

rjmachin

Marcus have increased their easy access rate to 4.6% on the website.  Still a way down the list though