The Top Easy Access Savings Discussion Area

VKE

AndyTh_2 said:

murphydavid said:

Glad you said that. I was naively thinking that my existing Cynergy account rate had gone up to 1.1% but no it is/was still stuck at 0.7%. No loyalty goes unpunished. New account - transfer done. Its a bit annoying that I now have to set up a new payee in my current account and test it with a small amount to make sure I don't do a typo. etc.  

Someone might have said on here already, but you could keep one of the older Cynergy accounts open (only transfer the money out) and keep using that as the payee from your current account.

 Its a little bit extra effort as 2 transfers (current -> old cynergy, then old cynergy - new cynergy), but also ensures less mistakes in entering payee details, and probably less fraud flag scoring.

My husband does what AndyTh 2 said; it gives him something to do on his lunch break where as I have all info logged on my excel FInance Tracker; just a case of whats best person-2-person

Bigwheels1111

UncleK said:

And from Ford Money "I can confirm the current interest rate is 0.73% on the Flexible Saver product. We review our interest rates regularly and will contact you regarding any interest rate changes to your product." Not encouraging............

Why ?.

Chase offers 1.5% Tanden 1.1%. Closed my Ford money yesterday.

soulsaver

OK pot hunters... Easy Access(ish) top 10 of the pots.. 

Nearly 2 days since a change...!

As at 13/04/2022.. close of play - not meant to be comprehensive:
Should be obvious, but not apparently not... ensure you check latest terms yourself.

Do Your Own Research (DYOR)

NLA = no longer available to new applicants.

1 Chase: Saver 1.5 App only
2 Cynergy: 1.20 Needs digipass or app for on line access.
3 Zopa: Smart Save (app only ac) 1.15% up to £15k max. (Notice boost:1.2, 1.3, and 1.4 rates for  7, 31 and 95 day).
4 Tandem: 1.10 App only A greener way to save for the future (tandem.co.uk) thnx @Andyhicks
5 Al Rayan:1.01 App onlyish..(up from recent 0.8%)
6 Marcus: 1.0 - inc 0.10 bonus (up from 0.7 inc today 08/04) Thnx @kora_2  
7 Virgin Money: (saver) 1% (Max £25k).. 
8 Aldermore: 0.95 Double Access (or 0.85 EA) both £1k to open thnx @janusdesign
9 Investec: 0.93 (min £5K?)  Online Flexi Saver Thnx @Kansuwan
10 Atom: 0.9 App only



See earlier t o p & posts regarding accounts from Tesco & YBS that may still be accepting deposits but accounts NLA.


Apologies if I missed thanking anybody.

 


Other than VM 2% £1k limit, any others  of note?
ETA Remove 'Chip allegedly 0.9%' see prior. Clarify Zopa.

intalex

Atom up to 1.00% this morning, not doing enough IMO...

jaypers

intalex said:

Atom up to 1.00% this morning, not doing enough IMO...

You can thank me for this as I started moving money out of Atom yesterday 

mlc2009

If base rate increases to 1 percent in May. Could we see 2 percent easy access accounts? Not sure how this works

I do remember having a 2.8 percent account with NatWest in 2015 when the base rate was 0.5 but I believe that was a one off

Molehusband

mlc2009 said:

If base rate increases to 1 percent in May. Could we see 2 percent easy access accounts? Not sure how this works

I daresay there will be another rush to increase savings rates, but the resulting actual best rates are hard to predict. The only thing which is reasonably certain will be Cynergy's new issues. They might then start having new accounts opening several times a week, giving us barely enough time to upgrade before the next issue arrives. I wonder if they might run out of account numbers to give customers?

MrFrugalFever

I can confirm the Tandem account is 1.10% now. It is also paid monthly and is compounded. Never had any issues with them and transfer times are done on a faster payments service so never more than couple of hours (in or out). Must be linked to a full uk current account.

NatWest offering digital instant access saver (existing customers I think) 3.25% on first £1,000. Max deposit is £50pm.

Daliah

MrFrugalFever said:

NatWest offering digital instant access saver (existing customers I think) 3.25% on first £1,000. Max deposit is £50pm.

It's max £150 a month now, plus any round-ups if that tickles your fancy.

MrFrugalFever

RG2015 said:

MrFrugalFever said:

I can confirm the Tandem account is 1.10% now. It is also paid monthly and is compounded. Never had any issues with them and transfer times are done on a faster payments service so never more than couple of hours (in or out). Must be linked to a full uk current account.

NatWest offering digital instant access saver (existing customers I think) 3.25% on first £1,000. Max deposit is £50pm.

You may be able to withdraw what you want at any time, but you can only deposit a limited amount in a month. By the way, this has recently been increased to £150 per month.

Therefore, it is not really an easy access account for this thread.  

What bit of logging in to the NatWest app and selecting transfer from your savings account to current account and moving the money instantly IS NOT easy access?