The Top Easy Access Savings Discussion Area

refluxer

At 1.25%, the YBS 'Make Me a Saver' account is poor as both a Regular Saver and an Easy Access account. A tiny chance at winning a reasonable prize is not a substitute for a decent interest rate, IMO.

adindas

refluxer said:

At 1.25%, the YBS 'Make Me a Saver' account is poor as both a Regular Saver and an Easy Access account. A tiny chance at winning a reasonable prize is not a substitute for a decent interest rate, IMO.

Good Point, But I already have instant access saving account paying 1.5% interest. I keep my eye on Zopa.

Lynsey89

Anyone with a Shawbrook account, how long did it take for funds to show in the account once sent?

adindas

Lynsey89 said:

Anyone with a Shawbrook account, how long did it take for funds to show in the account once sent?

Their Easy Access Account is paying a decent interest of 1.52%
https://www.shawbrook.co.uk/direct/savings/#all

Does anyone know whether they allow topping up with debitcard ??

In this site it does specifically exclude topping up with debitcard ?

https://www.shawbrook.co.uk/direct/savings/help/faq/personal-savings/how-do-i-make-a-deposit-into-my-savings-account/

refluxer

Lynsey89 said:

Anyone with a Shawbrook account, how long did it take for funds to show in the account once sent?

Payments made into my Shawbrook Easy Access Cash ISA and Fixed Rate accounts take 1-2 hours to show when sent on a Monday to Friday during working hours - not sure about evenings or weekends. I get a text message confirmation.

refluxer

adindas said:
Their Easy Access Account is paying a decent interest of 1.52%

https://www.shawbrook.co.uk/direct/savings/#all

Does anyone know whether they allow topping up with debitcard ??

I would doubt it - it's not unheard of but I suspect it's pretty rare. I think the only savings account I've ever had where that is possible was an old Post Office Online Saver. I didn't use that method because Faster Payments via online banking were quicker.

If you're wanting to do that for cashback reasons (eg. via a Chase debit card) then deposits into other accounts are excluded anyway.

soulsaver

ToTP  New Number 1....!

OK rate trappers... Easy(ish) Access, Top (10ish) Of The Pots.. BoE base rate +0.25 =1.25% (16/06)

Updated at 28/07/2022.. c.00.00hrs - Starter for 10; not comprehensive, DYOR.

Latest/recent changes in bold. Links added for all accounts. TIA for all contributions.
Bracketed dates = date rate added/amended here.

1 Virgin Money 1.71% (27/07)c/w M plus c.a. £25k max EASY ACCESS SAVINGS | Virgin Money UK Thnx @ Section62

2 Al Rayan Everyday Saver iss 3. £5k min(£2.5K?)1.60% (14/07) App onlyish. Everyday Saver (Issue 3) | Islamic banking | Sharia compliant & ethical (alrayanbank.co.uk) 

3 Zopa Smart Saver(App only) - £50k max for newbs. Improved rates(11/07) Access 1.5%. Boosted 7day notice 1.55%.  31day 1.65%; 95day 1.85%  Smarter Savings built for real life 

4= Yorkshire BS*Tiered* Internet Svr Plus iss 12 1.55% (1.25%<£10k 1.60%>£50k) (27/07) As Iss 11. View our Easy Access Savings Accounts | Savings | YBS ; thnx Kazza242 Also research  1.5% <£10k with restrictions Savings Account - More Information | YBS 

4= Sainsbury Defined Access iss 13 1.55% (26/07) limited to 3 w/d; £1k min Defined Access Saver with Sainsbury's Bank (sainsburysbank.co.uk)Bridlington1

5 Charter Savings Bank Easy Access issue 26 - 1.54%  (£5k min.) Easy Access (chartersavingsbank.co.uk) thnx @SJMALBA

6 Shawbrook EA 1.52% £1k min (19/07) Easy Access Savings Accounts | Shawbrook Bank thnx @cloud_dog

8= Chase: Saver 1.50% (28/03) c/w c.a. App only Home | Chase UK

8= Newcastle BS 1.50% triple access (18/07) Newcastle Triple Access Saver (Issue 2)

8= Family BS 1.50% £1k min (14/07) Exclusive Easy Access Savings Account | Family Building Society

8= Nationwide Triple Access Iss 15 1.40% 1.50% (21/07) 1 Year Triple Access Online Saver | Nationwide Thnx @Olinda99

12 Cynergy EA; 1.46% inc 1yr bonus (07/07) Cynergy Bank

13= Secure Trust Bank Access 1.40% 1.45%(21/07) £1kmin  https://www.securetrustbank.com/savings/access-accounts/access-account 

13= Ford Money 1.45% (26/07) Flexible Savings Account - Easy access savings | Ford Money

See prior ToTPs for detail on recent 'drop offs...'. Last posts, pages 625 (& same 621) 612/605.  

Drop offs:  Tesco (now 1.43% 26/07); Gatehouse, Aldermore, Principality (all 1.4%); 

plus Atom, Tandem, Cov BS, Cynergy, RCI, Marcus/Saga, Paragon, Investec. 

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

Also small balance, high rate: VM 2.0% £1k limit, Nationwide FlexDirect 5% on £1.5k (1st year only) 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

Bridlington1

refluxer said:

adindas said:
Their Easy Access Account is paying a decent interest of 1.52%

https://www.shawbrook.co.uk/direct/savings/#all

Does anyone know whether they allow topping up with debitcard ??

I would doubt it - it's not unheard of but I suspect it's pretty rare. I think the only savings account I've ever had where that is possible was an old Post Office Online Saver. I didn't use that method because Faster Payments via online banking were quicker.

If you're wanting to do that for cashback reasons (eg. via a Chase debit card) then deposits into other accounts are excluded anyway.

 I know the following banks have accounts that let you pay in by debit card:
-Yorkshire BS
-NS&I
-Cambridge BS
-Skipton BS

There will probably be others but these are the only ones I can think of off the top of my head.
These accounts all work for the Halifax reward account and TSB's spend & save account.

pokora

Quite a surprise when I login yesterday in the app. It doesn't make to the top11 but for a high street bank, HSBC rise from 0.45% his Online Bonus Saver to 1.30% if you don´t make a withdraw (0.20% otherwise), from 1£ and monthly interest paid.

https://www.hsbc.co.uk/savings/easy-access-accounts/

Daliah

pokora said:

Quite a surprise when I login yesterday in the app. It doesn't make to the top11 but for a high street bank, HSBC rise from 0.45% his Online Bonus Saver to 1.30% if you don´t make a withdraw (0.20% otherwise), from 1£ and monthly interest paid.

https://www.hsbc.co.uk/savings/easy-access-accounts/

I doubt there will be a Q for this account.