The Top Easy Access Savings Discussion Area

YellowStarling

RCI Freedom Savings up to 2.45% AER

refluxer

TiVo_Lad said:

refluxer said:

Tandem's Instant Access Saver is also up to 2.55%

Are they pulling a fast one? Their website refers to an "Instant Access SAVER" yet the "Instant Access SAVINGS" account I have is still stuck at 2.05% in the App

I doubt it - Tandem don't do different issues for this account like some other banks do, AFAIK. The summary box on their site does describe it as an 'Instant Access Savings Account' so I expect your app will update to the new rate at some stage soon.

Patr100

intalex said:

Atom up to 2.52% Gross / 2.55% AER

Trying to look but App is very ropey at the mo, won't load account.
Giving warnings that it may be "slow" etc.

soulsaver

ToTP updated with Tandem, Atom, RCI. Thanks to informers...

For convenience/reference I've introduced a new practice: Drop Offs will appear with links and rates in the trail.
Note these 'Drop Off' posts won't be maintained, which shouldn't cause a problem?   

badger09

Patr100 said:

intalex said:

Atom up to 2.52% Gross / 2.55% AER

Trying to look but App is very ropey at the mo, won't load account.
Giving warnings that it may be "slow" etc.

Presumably slow because so many people are trying to open accounts. No need to look at the app if you already have an account & just want to move money to it from elsewhere.

kaMelo

Virgin's Easy Access Cash ISA Exclusive Issue 2 is now offering 3%. I realise this isn't a simple easy access account as it has ISA status and all the restrictions that come with it but it's significant in that an easy access ISA is offering better rates than any pure easy access savings account currently available.  When was the last time that happened.

Section62

kaMelo said:

Virgin's Easy Access Cash ISA Exclusive Issue 2 is now offering 3%. I realise this isn't a simple easy access account as it has ISA status and all the restrictions that come with it but it's significant in that an easy access ISA is offering better rates than any pure easy access savings account currently available.  When was the last time that happened.

You do need to have a Virgin current account to get this (the 'exclusive' bit) so perhaps they've done it to make up for not increasing the 2% rate on the M Plus current and saver accounts - a 3% ISA will attract some new current account custom without having to give existing customers anything extra?

soulsaver

kaMelo said:

Virgin's Easy Access Cash ISA Exclusive Issue 2 is now offering 3%. I realise this isn't a simple easy access account as it has ISA status and all the restrictions that come with it but it's significant in that an easy access ISA is offering better rates than any pure easy access savings account currently available.  When was the last time that happened.

It's a Flexible ISA as well... so if EA runs away in front you can immediately shift money there and back before the Tax year ends.

For comparison, worth 3.75% for BR tax payers on interest. 

Note you have to keep the ca open for this to maintain its 'exclusive' rate.

scottishstu

soulsaver said:

ToTP updated with Tandem, Atom, RCI. Thanks to informers...

For convenience/reference I've introduced a new practice: Drop Offs will appear with links and rates in the trail.
Note these 'Drop Off' posts won't be maintained, which shouldn't cause a problem?   

I don't post much - but just wanted to say many thanks for maintaining the Top of The Pots thread (and the informers!), I'm finding it really useful at the moment as I ponder my next savings move!

Nick_C

kaMelo said:

Virgin's Easy Access Cash ISA Exclusive Issue 2 is now offering 3%. I realise this isn't a simple easy access account as it has ISA status and all the restrictions that come with it but it's significant in that an easy access ISA is offering better rates than any pure easy access savings account currently available.  When was the last time that happened.

Earlier this year.  Skipton offered a flexible tracker ISA (no longer available) that pays BOEBR + 0.35%, so 2.6% currently and 3.35% from 14 November.  Sadly, the tracker only lasts a year, but it is the best easy access account I have currently.