The Top Easy Access Savings Discussion Area

refluxer

soulsaver said:

refluxer said:

soulsaver said:

janusdesign said:

@soulsaver - it's mentioned on their historic rates page... defined access account -> triple access

Historic Savings Interest Rates | Paragon Bank

There is no 3.0% on there either, unless you can see something I can't?

That link shows all previous issues (1-10) now sitting at 3.00%. You might need to refresh the page, maybe ?

There now, I could have just not seen the wood...  So unless there's more to come - it's not available to new applicants?

That's right. If that's presumably the Paragon account mentioned in the NLA section on your TOTP thread, then it'll need updating from 2.6 to 3%

As I mentioned above, Paragon's triple access accounts tend to come and go so it's likely to be available to all once again at some stage in the near future.

soulsaver

refluxer said:

soulsaver said:

refluxer said:

soulsaver said:

janusdesign said:

@soulsaver - it's mentioned on their historic rates page... defined access account -> triple access

Historic Savings Interest Rates | Paragon Bank

There is no 3.0% on there either, unless you can see something I can't?

That link shows all previous issues (1-10) now sitting at 3.00%. You might need to refresh the page, maybe ?

There now, I could have just not seen the wood...  So unless there's more to come - it's not available to new applicants?

That's right. If that's presumably the Paragon account mentioned in the NLA section on your TOTP thread, then it'll need updating from 2.6 to 3%

As I mentioned above, Paragon's triple access accounts tend to come and go so it's likely to be available to all once again at some stage in the near future.

Thanks. If it becomes available to new or existing account holders it'll get a new posting.
NLA protocol clarified in the listing.

Zaul22

Paragon is apparently available through Raisin. 

Bridlington1

Zaul22 said:

Paragon is apparently available through Raisin. 

Unless you're seeing something I'm not, the top EA Paragon account offered through Raisin is the rainy day easy access account a 2.6%. The one I was referring to was the Triple Access Issue 10 (NLA) now at 3%. The minimum deposit for the one via Raisin is a hefty £20k, which is a far cry from the £1 minimum for the triple access account.

cricidmuslibale

soulsaver said:

ToTP  

OK trappers: 

Easy(ish) Access, Top (10 ish) Of The Pots. BoE BR +0.75 =3.00% (03/11)

Updated at 08/12/2022 c.01.00hrs - Starter for 10; not comprehensive, DYOR.

Latest/recent changes in bold (No.1 always). Links added for all accounts. TIA for all contributions. Bracketed dates = date rate added here.

                                         

Yorkshire BS 3.0% takes top spot at 09/12 albeit with loyalty account!

Note: see Small(ish) Balance, ToTP high rates lower on this page. 

First Direct 2.6% Bonus saver - see 'Small(ish) Balances'

Note Oddballs: Monmouth BS 3.00% - see trail (01/12). Bucks BS 2.90% see trail (03/12). 

1 Yorkshire BS Loyalty Six Iss2 (12mth customers) 3% wef (09/12). Plus Rainy Day ac (3.0% to £5k, 2.5% >£5k wef (09/12) View our Easy Access Savings Accounts | Savings |YBSOnline Savings Account Thnx @veryintrigued 

2 Aldermore 3.00% Double Access (11/11 24/11) NLA new customers Double Access Account, Instant Access Savings Account - Aldermore Bank Link says NLA atm, but appears still available to existing customers (and 2.75% EA) see: The Top Easy Access Savings Discussion Area - Page 928 — MoneySavingExpert Forum (Ed)

3 Al Rayan £5k min; 2.81% E.P. (circa 2.85 aer) (21/10) App onlyish. Everyday Saver (Issue 3) | Islamic banking | Sharia compliant & ethical (alrayanbank)

4 Coventry BS limited (6) access 2.85% (02/12) Limited Access Saver (Online) (6) (coventrybuildingsociety.co.uk) thnx @Expotter & @Bridlington1

5 Chorley BS  £500 min bal 2.85% <5w/ds; 5 or more 1.00% (08/12).Chorley Easy access saver (4 withdrawals) ***Note not online w/ds***. see trail 08/12    Also see trail for 6w/d option ac at 2.75% wef 15/12. Same w/d limitation.

6 Cynergy EA iss 53; 2.75% (inc 0.15%) (13/10) app/digipass for ol access. Existing customers only 18/10 Cynergy Bank 

7 Yorkshire BS IS Plus 12 *tiered* 2.6% (2.6% >£10k< 2.3; 2.65% >£50k (09/12)  (17/11) View our Easy Access Savings Accounts | Savings |YBSOnline Savings Account

8 Tandem 2.55% App only (03/11)   https://www.tandem.co.uk/products/savings/iasa  

9 Atom 2.55% App only (04/11) Instant Saver 2.55% Interest Rate - Easy Access Savings | Atom bank

10 Nationwide Tri Access 2.5% (18/11) 1 Year Triple Access Online Saver | Nationwide thnx @ForumUser7

11 TSB limited Access 2.5% (18/11) Save Well Limited Access Account | Savings | TSB Bank thnx @Bridlington1

12 Principality BS Dble 2.5% (14/11) Online Double Access | Online Double Access (principality.co.uk)

13 Sainsbury Defined access (tri) Iss34 £1k min 2.5% (01/12) Defined Access Saver with Sainsbury's Bank (sainsburysbank.co.uk) thnx @Minty33

Up Coming:

Chorley BS 6-access 2.75% (06/12) wef 15/12 https://www.chorleybs.co.uk/savings-rate-increase/See trail posts. 

Small(er) balance, ToTP rates:

First Direct  Bonus SVR 2.6% to £25K & no w/d in month or 0.65% (01/12) Bonus Savings Account | first direct Thnx @Bridlington1

Yorkshire BS Rainy Day ac (3.0% wef 09/12 to £5k, 2.5%> £5K) (17/11) View our Easy Access Savings Accounts | Savings | YBS 

Newbury BS 2.8% on <£3k; 3% (members) <£2k (4k?)  Savings products | Newbury see trail (08/12) thnx @dcs34

Nationwide FlexDirect 5% on £1.5k (1st year only) FlexDirect | In-credit interest current account | Nationwide

Barclays Blue Rewards c/w 5.00% 'Rainy Day Saver' to £5k(30/09) .Rainy Day Saver | Barclays  

HSBC 3% on upto £10k (20/10)Online Savings Account | Bonus Savings Account - HSBC UK thnx @Descrabled

NLA - No Longer available, see trail posts: 

Monmouth 3.0 (NLA online); Ford 2.5; Paragon 2.6; Skipton 2.65; Charter 2.75; Kent 2.75; Coventry 2.25; Gatehouse 2.80; Sainsbury's 2.75 

Recent/Upcoming Drop offs (see trail): Zopa; Investec; RCI; Marcus/Saga; Harpenden; Secure Trust Bank; Tesco; Chase.

Check terms for yourself - DYOR.

Note: These rates may, or may not be applied to existing accounts, plse check.

Also see Regular Savings Accounts: The Best Currently Available List! — MoneySavingExpert Forum

And Cash ISAs: The Best Currently Available List — MoneySavingExpert Forum

And Notice Accounts: Notice Accounts - Page 30 — MoneySavingExpert Forum

[This post, originally written just before midday today, has been moved to this discussion thread from the 'no chat' thread on @soulsaver's request.]

@soulsaver Thank you very much once again for continuing to keep all the above right up to date!

There's currently a small but potentially important omission I've only just spotted: The HSBC Online Bonus Saver interest rate reduces to 0.65% for the entire month in which any withdrawals are made; perhaps that should be noted above in the same way that you have done for the First Direct Bonus Saver.

soulsaver

cricidmuslibale said:

soulsaver said:

ToTP  

OK trappers: 

Easy(ish) Access, Top (10 ish) Of The Pots. BoE BR +0.75 =3.00% (03/11)

Updated at 08/12/2022 c.01.00hrs - Starter for 10; not comprehensive, DYOR.

Latest/recent changes in bold (No.1 always). Links added for all accounts. TIA for all contributions. Bracketed dates = date rate added here.

                                         

Yorkshire BS 3.0% takes top spot at 09/12 albeit with loyalty account!

Note: see Small(ish) Balance, ToTP high rates lower on this page. 

First Direct 2.6% Bonus saver - see 'Small(ish) Balances'

Note Oddballs: Monmouth BS 3.00% - see trail (01/12). Bucks BS 2.90% see trail (03/12). 

1 Yorkshire BS Loyalty Six Iss2 (12mth customers) 3% wef (09/12). Plus Rainy Day ac (3.0% to £5k, 2.5% >£5k wef (09/12) View our Easy Access Savings Accounts | Savings |YBSOnline Savings Account Thnx @veryintrigued 

2 Aldermore 3.00% Double Access (11/11 24/11) NLA new customers Double Access Account, Instant Access Savings Account - Aldermore Bank Link says NLA atm, but appears still available to existing customers (and 2.75% EA) see: The Top Easy Access Savings Discussion Area - Page 928 — MoneySavingExpert Forum (Ed)

3 Al Rayan £5k min; 2.81% E.P. (circa 2.85 aer) (21/10) App onlyish. Everyday Saver (Issue 3) | Islamic banking | Sharia compliant & ethical (alrayanbank)

4 Coventry BS limited (6) access 2.85% (02/12) Limited Access Saver (Online) (6) (coventrybuildingsociety.co.uk) thnx @Expotter & @Bridlington1

5 Chorley BS  £500 min bal 2.85% <5w/ds; 5 or more 1.00% (08/12).Chorley Easy access saver (4 withdrawals) ***Note not online w/ds***. see trail 08/12    Also see trail for 6w/d option ac at 2.75% wef 15/12. Same w/d limitation.

6 Cynergy EA iss 53; 2.75% (inc 0.15%) (13/10) app/digipass for ol access. Existing customers only 18/10 Cynergy Bank 

7 Yorkshire BS IS Plus 12 *tiered* 2.6% (2.6% >£10k< 2.3; 2.65% >£50k (09/12)  (17/11) View our Easy Access Savings Accounts | Savings |YBSOnline Savings Account

8 Tandem 2.55% App only (03/11)   https://www.tandem.co.uk/products/savings/iasa  

9 Atom 2.55% App only (04/11) Instant Saver 2.55% Interest Rate - Easy Access Savings | Atom bank

10 Nationwide Tri Access 2.5% (18/11) 1 Year Triple Access Online Saver | Nationwide thnx @ForumUser7

11 TSB limited Access 2.5% (18/11) Save Well Limited Access Account | Savings | TSB Bank thnx @Bridlington1

12 Principality BS Dble 2.5% (14/11) Online Double Access | Online Double Access (principality.co.uk)

13 Sainsbury Defined access (tri) Iss34 £1k min 2.5% (01/12) Defined Access Saver with Sainsbury's Bank (sainsburysbank.co.uk) thnx @Minty33

Up Coming:

Chorley BS 6-access 2.75% (06/12) wef 15/12 https://www.chorleybs.co.uk/savings-rate-increase/See trail posts. 

Small(er) balance, ToTP rates:

First Direct  Bonus SVR 2.6% to £25K & no w/d in month or 0.65% (01/12) Bonus Savings Account | first direct Thnx @Bridlington1

Yorkshire BS Rainy Day ac (3.0% wef 09/12 to £5k, 2.5%> £5K) (17/11) View our Easy Access Savings Accounts | Savings | YBS 

Newbury BS 2.8% on <£3k; 3% (members) <£2k (4k?)  Savings products | Newbury see trail (08/12) thnx @dcs34

Nationwide FlexDirect 5% on £1.5k (1st year only) FlexDirect | In-credit interest current account | Nationwide

Barclays Blue Rewards c/w 5.00% 'Rainy Day Saver' to £5k(30/09) .Rainy Day Saver | Barclays  

HSBC 3% on upto £10k (20/10)Online Savings Account | Bonus Savings Account - HSBC UK thnx @Descrabled

NLA - No Longer available, see trail posts: 

Monmouth 3.0 (NLA online); Ford 2.5; Paragon 2.6; Skipton 2.65; Charter 2.75; Kent 2.75; Coventry 2.25; Gatehouse 2.80; Sainsbury's 2.75 

Recent/Upcoming Drop offs (see trail): Zopa; Investec; RCI; Marcus/Saga; Harpenden; Secure Trust Bank; Tesco; Chase.

Check terms for yourself - DYOR.

Note: These rates may, or may not be applied to existing accounts, plse check.

Also see Regular Savings Accounts: The Best Currently Available List! — MoneySavingExpert Forum

And Cash ISAs: The Best Currently Available List — MoneySavingExpert Forum

And Notice Accounts: Notice Accounts - Page 30 — MoneySavingExpert Forum

[This post, originally written just before midday today, has been moved to this discussion thread from the 'no chat' thread on @soulsaver's request.]

@soulsaver Thank you very much once again for continuing to keep all the above right up to date!

There's currently a small but potentially important omission I've only just spotted: The HSBC Online Bonus Saver interest rate reduces to 0.65% for the entire month in which any withdrawals are made; perhaps that should be noted above in the same way that you have done for the First Direct Bonus Saver.

Thanks, Fixed.

Zerforax

I thought we would see some increases before the expected increase by the Bank of England tomorrow but doesn't seem like it?

t1redmonkey

Wouldn't be surprised if banks/building societies do not want to offer any 'top of the table' rates right now due to the extra workload it might bring to them considering we're close to Xmas and a lot of them will have reduced staffing levels until January.

jimexbox

Even if there is a 0.50 rise tomorrow, although 0.25 is a definite possibility. I can't see any movement in rates, if any, until late January. With the housing market cooling, less lending, loads of cash in accounts. There is zero incentive for banks to raise savings rates. 

mebu60

jimexbox said:

Even if there is a 0.50 rise tomorrow, although 0.25 is a definite possibility. I can't see any movement in rates, if any, until late January. With the housing market cooling, less lending, loads of cash in accounts. There is zero incentive for banks to raise savings rates. 

Have to agree. Happy to have 2.85% - 3.0% EA currently, best hope at the moment is that they are maintained at that level in Q1 2023. No expectation of any further rises from financial institutions in the short term regardless of tomorrow's outcome.