The Top Easy Access Savings Discussion Area

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

AndyTh_2

Bridlington1 said:

@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.

Interesting, and the main interest tier balance gone up from £5k to £10k

It's showing on their interest rate PDF found on https://www.ybs.co.uk/boe-rate-change as a 14/09/2023 change (today).

No other YBS products appear to have changed. The no longer available Loyalty six access still 4.7%, but they were a 12 month product and should be downgraded soon to the six access saver soon.

Malchester

AndyTh_2 said:

Bridlington1 said:

@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.

Interesting, and the main interest tier balance gone up from £5k to £10k

It's showing on their interest rate PDF found on https://www.ybs.co.uk/boe-rate-change as a 14/09/2023 change (today).

No other YBS products appear to have changed. The no longer available Loyalty six access still 4.7%, but they were a 12 month product and should be downgraded soon to the six access saver soon.

Must be updating website as no accounts are showing. Clicked compare accounts and none are there. Will try again later.

Edit all on now