The Top Easy Access Savings Discussion Area

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?

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