The Top Easy Access Savings Discussion Area

refluxer

Londonlisa12 said:

Forgive my ignorance but does a charter EA issue 48 automatically become an issue 49 or do you continue to get the issue 48 rate ?

@Londonlisa12 You'll stay on issue 48 and continue to get the appropriate rate for that issue until they decide to change it.

soulsaver

***NLA*** Cahoot Simple Saver Iss2 5.12% (09/10)  ***NLA 29/01*** Now Iss3 - 4.10%

soulsaver

soulsaver said:

***NLA*** Cahoot Simple Saver Iss2 5.12% (09/10)  ***NLA 29/01*** Now Iss3 - 4.10%

Issue2 currently remains 5.12%. 

soulsaver

ToTP: Top (of The Pots)  ranked-by-rate Easy(ish) Access accounts Top 10(ish).

Links & availability checked as at c.12.00 29/01/24

Note: This is a snapshot and isn't maintained: For latest data (and morel info.) see the original doc. linked at the very bottom of this post, in the signature box.

1  Ulster Bank Loyalty Svr  5.20% £5k+ (29/09) new & existing c/a holders - see trail19/01

2 Coventry BS Triple Access iss2 5.15% (26/01)

   Cahoot Simple Saver Iss2 5.12% (09/10)  ***NLA 29/01***

3 Cynergy Online EA iss 69  5.10 % (24/11)

4 Leeds BS Limited Issue Online Access Account (Issue 54) 5.10% £1k min (11/01)

5 Close Bros EA Iss2 5.10% £10k min (23/01) 

6 Charter EA Issue 49  5.08% £5k min (26/01) 

7 Kent Reliance EA Issue 68 5.07% £1k min (26/01)

8 Virgin Money Defined Access E-Saver Iss 20  'Tri' 5.07% (08/12) 

9 Paragon Dble Access Iss5 5.05% £1k min (22/12) 

10 Family BS OL svr (6)  5.04% £100 min (27/09)*

ircE

Happy new year.

Reference purposes only; not definitive; no NLAs; no savings platforms etc etc

Table 1: soulsaver's most recent updated list, Table 2: EAs that can be opened and maintained with £1 and allow unlimited deposits and withdrawals, Table 3: True EAs that advertise immediate deposit and withdrawals, 24/7.

Added a dash of colour to highlight changes since the last update. Blue is for new entries since last month - Coventry and Close Bros opened new accounts, Post Office Money returns, and Metro Bank makes its debut in table 3. Note Metro's 4.51% account requires an opening balance of £500 but this can then be withdrawn without a drop in the rate.

Green is for entries who raised their rates since last month - so even though Charter and KR lowered their rates on their most recent issues, they're both still higher than my last post.

Red is for rate droppers. Ford Money and cahoot take a tumble but still manage to stay on the scorecard, the latter displacing Monzo's 4.1% account (cahoot offers a higher maximum balance).

BooJewels

soulsaver said:

***NLA*** Cahoot Simple Saver Iss2 5.12% (09/10)  ***NLA 29/01*** Now Iss3 - 4.10%

Ooh, got in just in time.  At least I should get the 5% (monthly) for another 60 days - before that presumably drops.  I reckon that might just buy 2 bottles of local beer on my holibobs.  

Recent drops are in quite big chunks too - that's over 1%.

pecunianonolet

BooJewels said:

soulsaver said:

***NLA*** Cahoot Simple Saver Iss2 5.12% (09/10)  ***NLA 29/01*** Now Iss3 - 4.10%

Ooh, got in just in time.  At least I should get the 5% (monthly) for another 60 days - before that presumably drops.  I reckon that might just buy 2 bottles of local beer on my holibobs.  

Recent drops are in quite big chunks too - that's over 1%.

The rate on issue 2 hasn't changed, lower rate is only for new customers applying now for issue 3

BooJewels

pecunianonolet said:

BooJewels said:

soulsaver said:

***NLA*** Cahoot Simple Saver Iss2 5.12% (09/10)  ***NLA 29/01*** Now Iss3 - 4.10%

Ooh, got in just in time.  At least I should get the 5% (monthly) for another 60 days - before that presumably drops.  I reckon that might just buy 2 bottles of local beer on my holibobs.  

Recent drops are in quite big chunks too - that's over 1%.

The rate on issue 2 hasn't changed, lower rate is only for new customers applying now for issue 3

I didn't say that it had.  I said I just got it in time opening an issue 2 a week ago.  I mentioned that I'd at least have the better rate of issue 2 for at least another 60 days - because if they're lobbing 1% off rates, they'll possibly be making cuts elsewhere on other issues - as they're all variable.  Maybe not - might get more than 60 days.

allegro120

BooJewels said:

soulsaver said:

***NLA*** Cahoot Simple Saver Iss2 5.12% (09/10)  ***NLA 29/01*** Now Iss3 - 4.10%

Ooh, got in just in time.  At least I should get the 5% (monthly) for another 60 days - before that presumably drops.  I reckon that might just buy 2 bottles of local beer on my holibobs.  

Recent drops are in quite big chunks too - that's over 1%.

Yes, it's best to grab them asap. Almost all best EA's in my collection are now NLA.

I've opened both (simple and sunny) Cahoots 11 days ago, still didn't receive two letters with codes for online access.  Called them today. They said that they are having a problem with their system and everything is delayed.  Can fund them anyway because I have sort code and account numbers, but I'm not in a hurry because at the moment all of my EA money are in 5.20%-5.22% already. I was also told that there is no deadline for funding these accounts, can keep them at £0 balance for about a year or more and then they will send a letter with plenty of notice to make a transaction if I still want the account to be opened.

granta

allegro120 said:

BooJewels said:

soulsaver said:

***NLA*** Cahoot Simple Saver Iss2 5.12% (09/10)  ***NLA 29/01*** Now Iss3 - 4.10%

Ooh, got in just in time.  At least I should get the 5% (monthly) for another 60 days - before that presumably drops.  I reckon that might just buy 2 bottles of local beer on my holibobs.  

Recent drops are in quite big chunks too - that's over 1%.

Yes, it's best to grab them asap. Almost all best EA's in my collection are now NLA.

I've opened both (simple and sunny) Cahoots 11 days ago, still didn't receive two letters with codes for online access.  Called them today. They said that they are having a problem with their system and everything is delayed.  Can fund them anyway because I have sort code and account numbers, but I'm not in a hurry because at the moment all of my EA money are in 5.20%-5.22% already. I was also told that there is no deadline for funding these accounts, can keep them at £0 balance for about a year or more and then they will send a letter with plenty of notice to make a transaction if I still want the account to be opened.

Thanks. You've saved me a call tomorrow as I've also not received anything in the post. I'd better quickly open the Sunny Saver too.