The Top Easy Access Savings Discussion Area

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.

Section62

adindas said:

Has anyone tested it which one is working Any info will be very much appreciated.

There are other threads where that topic has been discussed to death... several times.  You could get the answers you are looking for from one of those other threads.

This one is meant to be about Top Easy Access Savings accounts.  We'll all benefit (in more ways than one) if we try to keep it on topic.