The Top Easy Access Savings Discussion Area

RG2015

MrFrugalFever said:

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?

Sorry, I deleted my post before I saw your reply.

My point was this is much more limited that most of the accounts being discussed on this thread.

It is a great rate but due to its limitations it is not, for example, included in soulsaver' s top 10 easy access accounts.

Nevertheless, as you say, it is an easy access account..

soulsaver

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

Nearly 12 hours since a change...!

As at 14/04/2022.. mid dayish, not close of play - not meant to be comprehensive.
Latest changes in bold
Bracketed dates = date rate added/amended here.

1 Chase: Saver 1.5% App only

2 Cynergy: 1.20% (14/04) Needs digipass or app for on line access.

3 Zopa: Smart Save (app only ac) 1.15% to £15k max. (NB 7,31,95 day notice options).

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%  (08/04 up from 0.7) Thnx @kora_2 

7 Atom: 1.0% (up from 0.9 14/04) App only thnx @intalexInstant Saver 1.00% Interest Rate - Easy Access Savings | Atom bank

8 Virgin Money Saver: 1% (Max £25k).
 
9 Aldermore: 0.95% Double Access (or 0.85 EA) both £1k to open thnx @janusdesign

10 Investec: 0.93% (min £5K?)  Online Flexi Saver Thnx @Kansuwan

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

Check terms for yourself - DYOR.
Note: These rates may not be applied to existing accounts.

Other than VM 2% £1k limit, any others  of note?

Also see Regular Savings Accounts: The Best Currently Available List! — MoneySavingExpert Forum

And Cash ISAs: The Best Currently Available List — MoneySavingExpert Forum

fwdrew

I moved a bulk amount out of Atom. I like Atom and its good to see an increase but not high enough rise to justify putting in back in there. Thought they may have competed more with Cynergy, Zopa or Tandem.
  
My money is switching between my accounts like a yoyo at present
  

veryintrigued

Credit to @soulsaver for their hard work here

canaldumidi

why is sainsburys defined access saver (0.95%) not in the top 10? Is it because of the tiered rates, or the limit to 3 withdawals a year?

simoncorkswill1

Went for Raisin bonus to go into Investec , opened account into Starling , very efficient, about forty minutes for checks .
transferred test amount , they note can take 24hrs to appear , 36 hours later nothing , details all checked and correct , whatever you do carry out a test transfer, I nearly forgot , I have no idea if this is usual for Raisin but when I tried phoning I got what I would call a tin pot connection so hung up .

Aidanmc

simoncorkswill1 said:

Went for Raisin bonus to go into Investec , opened account into Starling , very efficient, about forty minutes for checks .
transferred test amount , they note can take 24hrs to appear , 36 hours later nothing , details all checked and correct , whatever you do carry out a test transfer, I nearly forgot , I have no idea if this is usual for Raisin but when I tried phoning I got what I would call a tin pot connection so hung up .

From past experience the fund sent to Raisin appeared the following day, then they disappear from Raisin balance when are sent to the actual bank you are investing with, which i think took another day or 2, but i think it also depends on which bank you are investing with.

Did you check Raisin transaction history?

simoncorkswill1

Aidanmc 

From past experience the fund sent to Raisin appeared the following day, then they disappear from Raisin balance when are sent to the actual bank you are investing with, which i think took another day or 2, but i think it also depends on which bank you are investing with.

Did you check Raisin transaction history?

Thanks , I did have a look at transaction history , wandered around most headings , the only thing showing was the intended amount to transfer to Investec , but until I can be sure they have the test amount I’m not comfortable moving anything else .

Daliah

@simoncorkswill1 apparently there's a known issue at Raisin:

https://forums.moneysavingexpert.com/discussion/6342960/raisin-uk#latest

simoncorkswill1

Daliah said:

@simoncorkswill1 apparently there's a known issue at Raisin:

https://forums.moneysavingexpert.com/discussion/6342960/raisin-uk#latest

Thanks for pointer , exactly the issue and I suspected the problem outlined was going to be likely , technology , wonderful when working .