The Top Easy Access Savings Discussion Area

soulsaver

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

Nearly 24 working hours since latest change...!

As at 19/04/2022.. close of play - Starter for 10; not meant to be comprehensive DYOR.
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) 1.2% (up from1.15%) to £85k (up from £15k) max. (19/04) (NB 7,31,95 day notice, rate boosted 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 (and Saga): 1.0%  (08/04 & 15/04) Thnx @kora_2  thnx @janusdesign - note shared FSCS protection.

7 Atom: 1.0% (up from 0.9 14/04) App only thnx @intalex Instant 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 Sainsbury Defined Access Iss27 (15/04) 0.95% tier£1k+; limit to 3w/ds High Interest Savings Accounts with Sainsbury's Bank (sainsburysbank.co.uk) Merci @canaldumidi


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

Other than VM 2% £1k limit, 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

tg99

Nikkster said:

Just had a notification from Moneybox that their Reward Savings account now pays 1.2%

I can’t see this under the list of savings products? Recently opened the simple saver but only other savers I can see available are various notice ones. Is the reward saver an old account or maybe I’ve missed it on the website? Thanks 

Nikkster

tg99 said:

Nikkster said:

Just had a notification from Moneybox that their Reward Savings account now pays 1.2%

I can’t see this under the list of savings products? Recently opened the simple saver but only other savers I can see available are various notice ones. Is the reward saver an old account or maybe I’ve missed it on the website? Thanks 

Sorry - I've had one for a while. Should have checked whether it's still available. Can't see it on their website either - will edit my post.

Patr100

Just moving a not required  Shawbrook  ISA  (0.92%)  to Zopa Smart Saver (1.35%) 30 day notice.
Setting up Zopa late last night was quick with a first payment of £5 from nominated  account and should be fine once you get the hang of moving money into their "pots".
Can't use Chase as neither  my tablet nor phone are compatible.

wiseonesomeofthetime

tg99 said:

Nikkster said:

Just had a notification from Moneybox that their Reward Savings account now pays 1.2%

I can’t see this under the list of savings products? Recently opened the simple saver but only other savers I can see available are various notice ones. Is the reward saver an old account or maybe I’ve missed it on the website? Thanks 

A quick search reveals that this account was provided through Cynergy Bank.

As you have discovered, this is no longer available through Moneybox, however, Cynergy do offer their direct Online Easy Access Account at the same rate of 1.20% (which includes a 0.90% bonus for 12 months).

Rollinghome

Yellowman said:

Zopa also pays interest monthly.

Cynergy, also at 1.2%, pays annually.

Bear in that Zopa actually applies a rate of 1.19% gross, which then gives an AER of 1.20% because interest is paid monthly.

andyhicks88

Got an e-mail from Chip that their Allica savings account is up to 1% now.

ranciduk

I just opened a shawbrook easy access account online

am I right in saying you don’t NEED to keep £1000 in - it’s just if you don’t, you won’t get the full interest rate?

Consumerist

From their Summary Box, their rate falls to 0.05% on balances below £1,000. So you can reduce the balance below £1,000.

simoncorkswill1

I have to suggest that if you are thinking of using Raisin and consider you might need to access your money quickly then don’t at the moment . They seem to be in administrative chaos , unable to cope with the volume of business , there are technical issues with their web pages and reflection of moneys transferred to them .
  There is nothing wrong financially I don’t think , it’s simply the usual problem these days when trying to operate on a shoe string with a sudden increase in business , the system breaks down and the ability to fix it is not to hand .