The Top Easy Access Savings Discussion Area

[Deleted User]

Wheres_My_Cashback said:

Deleted_User said:

AmityNeon said:

 Zopa only recently took the top spot.

I thought it was when the last bank rate change took place, about 3 weeks ago now. I think three weeks is a long time as it goes to be "Top Dog".

ZOPA had lagged behind for a couple of months before that.

The most consistent highest paying a/c over the past 3 years has been Al Rayan. They may get knocked off the top temporarily, but usually bounce back pretty quickly. I'd expect another increase from them very soon.

Well my account with them is still open so I'm ready, though I'm operating the Ladder system with ZOPA so the jump will have to exceed 3.26%.

phillw

The most consistent highest paying a/c over the past 3 years has been Al Rayan. They may get knocked off the top temporarily, but usually bounce back pretty quickly. I'd expect another increase from them very soon.

I've just pulled all bar 1p out, so hopefully that will encourage them...

Although I'd quite like an actual bank who can process transactions for themselves instantly, to step up..

alternate

Skipton are far too slow to recommend for early access.  If you do it out of hours an internal transfer between accounts can take one working day.

happybagger

@soulsaver

Swansea BS Instant Access to pay 3.25% from £1 from 1 Feb 2023
Sorry, only existing members or new members resident in Wales.

source

ForumUser7

happybagger said:

@soulsaver

Swansea BS Instant Access to pay 3.25% from £1 from 1 Feb 2023
Sorry, only existing members or new members resident in Wales.

source

Are Swansea known to ever switch on/off the postcode requirements, or is that a constant with them please? Thanks

happybagger

ForumUser7 said:

happybagger said:

@soulsaver

Swansea BS Instant Access to pay 3.25% from £1 from 1 Feb 2023
Sorry, only existing members or new members resident in Wales.

source

Are Swansea known to ever switch on/off the postcode requirements, or is that a constant with them please? Thanks

I've never known them open widely.

In carpetbagging days I remember them not even being all-Wales, they had some restriction like being close to one of the branches (I think when they only had Swansea and Mumbles branch)

 I'm in Wales but 4 hours drive away. My parents live one hour away and aren't allowed 'in'. Funny old game!

I'm pleased with this as it has same day online withdrawals meaning it'll render my Santander 2.75% esaver obselete 

Bridlington1

Personally I only use Skipton for the debit card deposits these days. I've already got the easy access saver issue 1 account they briefly offered at 2.65% with £1 in it so this latest offer gets a no from me. If it had a minimum deposit of £1 I'd maybe consider opening it just in case, as I did with paragon's triple access account not so long back, but £1 is all they'd get from me.

Bridlington1

ForumUser7 said:

happybagger said:

@soulsaver

Swansea BS Instant Access to pay 3.25% from £1 from 1 Feb 2023
Sorry, only existing members or new members resident in Wales.

source

Are Swansea known to ever switch on/off the postcode requirements, or is that a constant with them please? Thanks

I doubt they will lift their postcode requirements anytime soon. Just look at what happened with Monmouthshire last month when they offered 3% easy access with minimum deposit of £25k to all plus a 5.5% regular saver. They were swamped. I imagine a similar thing would happen to Swansea if they released a 3.25% easy access account with no postcode requirements.

happybagger

Newbury BS

These have removed their postcode restrictions. They usually have one of two sets of restrictions that they impose. They are now available throughout England and Wales.

They have two decent instant access products - Welcome to Newbury 2.8% and Existing Members Account 3.00%, but both have some deposit restrictions.

However, neither have had any rate increases yet following the December rate rise, so some may think it worth getting Welcome to Newbury now, as the EMA (one year membership) is a consistently good rate

source

ForumUser7

happybagger said:

Newbury BS

These have removed their postcode restrictions. They usually have one of two sets of restrictions that they impose. They are now available throughout England and Wales.

They have two decent instant access products - Welcome to Newbury 2.8% and Existing Members Account 3.20%, but both have some deposit restrictions.

However, neither have had any rate increases yet following the December rate rise, so some may think it worth getting Welcome to Newbury now, as the EMA (one year membership) is a consistently good rate

source

The EMA is currently 3% - not 3.2%

Newbury has announced in a blog post that any changes from the December base rate rise will be in the new (now current I suppose) year