The Top Easy Access Savings Discussion Area

soulsaver

OK rate shifters... Easy Access(ish) top 10 of the pots.. All 1.0% min!

As at 29/04/2022.. 12:00 hrs - 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 Aldermore: 1.25% Double Access (29/04) or 0.85% EA . £1k to open Double Access Account, Instant Access Savings Account - Aldermore Bank

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

5 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).

6 Tandem: 1.10% App only A greener way to save for the future (tandem.co.uk) thnx @Andyhicks

7 Al Rayan:1.10% ( 29/04) App onlyish..(up from recent 0.8 & 1.01%)

8 Marcus (and Saga): 1.0%  (08/04 & 15/04) Thnx @kora_2  thnx @janusdesign - note shared FSCS protection.

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

10 Virgin Money Saver: 1% (Max £25k).
 
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

RG2015

I quite like the top 10 table, but surely it is only of interest to those that do not have a Chase account.

ashteadgirl

RG2015 said:

I quite like the top 10 table, but surely it is only of interest to those that do not have a Chase account.

Very useful for those that may have filled up Chase and looking for a temporary home for more funds until formulated longer term plans

RG2015

ashteadgirl said:

RG2015 said:

I quite like the top 10 table, but surely it is only of interest to those that do not have a Chase account.

Very useful for those that may have filled up Chase and looking for a temporary home for more funds until formulated longer term plans

Fair point, but whether at £85k or £250k, it is likely to be only a small number of people.

Daliah

RG2015 said:

ashteadgirl said:

RG2015 said:

I quite like the top 10 table, but surely it is only of interest to those that do not have a Chase account.

Very useful for those that may have filled up Chase and looking for a temporary home for more funds until formulated longer term plans

Fair point, but whether at £85k or £250k, it is likely to be only a small number of people.

I go to moneyfacts to research rates but sometimes a prompt on MSE can be helpful

Section62

RG2015 said:

I quite like the top 10 table, but surely it is only of interest to those that do not have a Chase account.

Chase being App-only could mean there are quite a few people in that category.

RG2015

Section62 said:

RG2015 said:

I quite like the top 10 table, but surely it is only of interest to those that do not have a Chase account.

Chase being App-only could mean there are quite a few people in that category.

I never commented on the number of people who couldn’t open a Chase account.

I am sure that this will be quite a large number.

ashteadgirl

RG2015 said:

ashteadgirl said:

RG2015 said:

I quite like the top 10 table, but surely it is only of interest to those that do not have a Chase account.

Very useful for those that may have filled up Chase and looking for a temporary home for more funds until formulated longer term plans

Fair point, but whether at £85k or £250k, it is likely to be only a small number of people.

Would never put £250k in one account (except NS&I accounts) especially one that brand new to UK and app only. Funds not from house sale so not excempt from over £85k protection. May be being over cautious but do not like all eggs in one basket.

soulsaver

Does the recent rate increase put Aldermore the No1 EA rate for people with no mobile signal/phone?

jimexbox

RG2015 said

Fair point, but whether at £85k or £250k, it is likely to be only a small number of people.

67k should be the maximum a basic rate taxpayer keeps in Chase. As this will take you to the 1k personal savings allowance interest limit, then its taxed. 

Then another account in a partners name would be required.