The Top Easy Access Savings Discussion Area

10_66

Re Chorley North West & Loyalty Easy Access 1 w/d (NLA) and Easy Access 1 w/d (NLA);  These two accounts, initially, had a difference in withdrawal terms, and though both of them would have a drop in rate if more than 1 withdrawal, one would transfer to a Chorleian and stay at that, the other would revert to an Easy Access 1 w/d on the account anniversary.  I think I remember, at the time, that Chorley were going to write to customers advising that they were going to change the terms so that they were the same, but unfortunately, I don't appear to have any document confirming this and only have the original terms.  Can anyone remember which switched, please?

brucefan_2

@Bridlington1

Hope the house purchase goes smoothly for you.

Zopa_Trooper

With Santander not dropping their rate until May, surely the way to go will be a new easy access ISA for 2024/5. I would imagine £20,000 will be enough for the majority of people to take care of where to move their money. MONEYBOX is still offering 5.11% which is equal to 6.37% in an ordinary account if you pay tax on your savings and they also do a 5% relatively easy access account (just one withdrawal per month).

where_are_we

How soon do you have to deposit £500 when you open a moneybox cash ISA. I have used up my £20K 23-24 allowance so would possibly be depositing 24-25`s new ISA money from 6/4/24. As this is a new offer (5/3/24) can I presume it will still be available in 4 weeks time so no need to open yet and also wait for potentially better rates in the upcoming "ISA" season. 

Bridlington1

@soulsaver
Hampshire Trust Bank Online Easy Access Account (Issue 18) 5.09% £1 min NLA

EDIT:
If I'm not mistaken that pushes Shawbrook Bank Easy Access Issue 37 at 5% (£1k min) and Principality BS Online Bonus Double Access at 5% (includes 0.15% bonus for a year) (£1 min) into the top 10

soulsaver

ToTP

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

Links & availability checked as at c.15.00 11/03/24

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 Monument EA  5.11% £25k min (across all accounts) (19/02)

3 Virgin Money Defined Access E-Saver Issue 21 'Tri' 5.11% £1 min (16/02)

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

5 Secure Trust Bank Access Account (Issue 11) 5.05% £1 min (27/02)

   Hampshire Trust Bank Online EA (Issue 18) 5.09% £1 min (04/03) ***NLA11/03***

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

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

8 Hampshire Trust Bank Online EA (Issue 19) 5.06% £1 min

9 Paragon Dble Access Iss7 5.05% £1k min (08/03).

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

11 Shawbrook Bank Easy Access Issue 37 at 5.00% £1k min (11/03)

12 Principality BS Online Bonus Dble Access 5.00% (inc 0.15% 1st year) £1 min (11/03)

Edited to add below info. Thanks @Bridlington1

Bridlington1

@soulsaver
Hampshire Trust Bank Online EA (Issue 19) 5.06% £1 min
Secure Trust Bank Access Account (Issue 11) now 5.1% £1 min

badger09

@Bridlington1
Exciting news re the house purchase. Hope it goes well.
Does that mean you’ll switch your focus to the House buying board? 

I’d like to be a fly on the wall when your conveyancer &/or mortgage lender does their AML checks on the source of your funds😳

ToastLady

Zopa_Trooper said:

With Santander not dropping their rate until May, surely the way to go will be a new easy access ISA for 2024/5. I would imagine £20,000 will be enough for the majority of people to take care of where to move their money. MONEYBOX is still offering 5.11% which is equal to 6.37% in an ordinary account if you pay tax on your savings and they also do a 5% relatively easy access account (just one withdrawal per month).

I've been thinking along similar lines, possibly with a flexible ISA like Zopa come next month. However the end date for the extra 0.5% bonus is opening it before 6th April. I'm not sure if I can do this as am fully subscribed for this year, and certainly no intention of funding until 6th April.

friolento

AFAIK, they don't force you to make an instant deposit upon opening one of their ISAs. So you could open it on, say, April 1, and then fund it from April 6 onwards. That should still secure you the bonus rate.