Top Easy Access acs Ranked: Top of The Pots - **No Chat**

soulsaver

I've had a few suggestions/requests to start a separate 'No Chat' thread, as the ToTP list gets drowned in 'chat' in the 'Top EA discussion' thread.

The aim is to maintain an easy-to-find ranked list of the c.Top 10 available to open & manage online Easy Access accounts, with links.

The purpose of this thread is to ONLY REPORT on  the top available-to-open Easy Access accounts - the list will be always easy to find as it's anchored on page 1, post 2.

There is already a hugely popular 'discussion' thread: The Top Easy Access Savings Discussion Area  — MoneySavingExpert Forum

It would be great if people continued to engage in the related discussion over there, keeping this thread clear, purely for reporting.

Key: NLA = No Longer Available; WEF =With Effect From (date); EA - Easy(ish) Access; O/l =Online; Quad/Tri/Dbl = Quadruple/Triple/Double Access; EPR = Expected Profit Rate (Sharia)


Happy hunting  

soulsaver

ToTP  

OK Pot Pickers...

Easy(ish) Access, Top 10 (ish) of The Pots. 

BoE BR Held(#5) 5.25% (21/03) Next MPC meet 09/05/24.

Updated 23/04 at c.23.00hrs - 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 here.

Note: see Small(ish) Balance, near 'ToTP' rates lower on the page.. 

Chase Saver. 5.10% boosted tracker saver until November; App only; Complicated eligibility, so may not get ranking. See Trail (08/04) for discussion.*

1 Ulster Bank Loyalty Svr  5.20% £5k+ (29/09) new & existing c/a holders - see trail19/01

2 Monument Bank Easy Access Savings  5.01% £25k min overall; app only (04/04)

  Cynergy Online EA Iss72  5.00% (18/04) ***NLA 23/04*** see lower for new iss73

   Virgin Money Defined Access E-Saver iss 23 'Tri' 5.01% ***NLA 18/04***

3 Principality BS Online Bonus Dble Access 5.00% (inc 0.15% 1st year) £1 min (11/03)

  Close Brothers Savings Easy Access Account Issue 3 5.00% £10k min (28/03) ***NLA 22/04***

4 Co-operative Bank Base Rate Tracker Savings Account 5.00% £100k min!! for the rate (15/03)

5 Kent Reliance Easy Access Account - Issue 70 4.96% £1k min (06/04)

6 Cynergy Online EA Iss73 4.95%.(23/04)

7 Oxbury Personal Easy Access Account (Issue 1) at 4.94% £1k min (12/04)

8 Charter Easy Access Iss 50 at 4.93% £5k min (16/04)

9 Hampshire Trust Bank Online EA 4.90% £1min (18/04)

10 Aldermore Dble 4.90% £1k min (18/04)

11 Secure Trust EA 4.90% (18/04)

12 Tandem Instant Access Saver  4.90% (inc 0.25% variable top up) £1 min (23/04)

* see trail 18/04 for other unranked alternatives - DYOR

Drop Zone...

Up Coming: ?

Small(er) balance, near /ToTP rates:

Skipton BS Member Bonus Saver Issue 1 now 5.5% (inc.12mth bonus of 1.7%) £3k max
Existing Members as at 11th January 2024

Santander Edge Saver 7.0 % £4k MAX (15/08) 

Cahoot Sunny Day Saver 5.20% upto £3k (19/11)

Barclays Rainy Day Saver  5.12% to £5k (30/09/2022?) Needs Barclays Blue Rewards c/a 

YBS Rainy Day Saver 5.00% to £10K then 3.90% on balance over (14/09)

Nationwide FlexDirect 5.00% to £1.5k (1st year only)

NLA - Recently No Longer Available: Rates stated are those at going NLA and aren't maintained, may have changed, links may be inaccurate/broken. NLAs removed dated March copied to trail 11/04.

Cynergy Online EA Iss72  5.00% (18/04) ***NLA 23/04*** New Iss 4.95%

Close Brothers Savings Easy Access Account Issue 3 5.00% £10k min (28/03) ***NLA 22/04***

Cynergy Online EA Iss71  5.01% (28/03) ***NLA 18/04*** New Iss @5.00% 

Virgin Money Defined Access E-Saver iss 23 'Tri' 5.01% ***NLA 18/04*** New Iss 4.51%

Post Office Money Online Saver Issue 72 5.06% £1 min ***NLA16/04 ***  new iss 4.75%

Harpenden BS EA 4.95% £100 min ***NLA 12/04*** (New iss 4.81%)

Skipton Single Access Saver Iss3 5.01% (£15k min) (19/03) ***NLA 11/04***

Hampshire Trust Bank Online EA (Issue 21) 5.00% £1min (28/03) ***NLA 11/04***(New 4.90%)

Paragon Dble Access Iss7 5.05% £1k min (08/03) ***NLA 09/04*** (New 4.91%)

Secure Trust Bank 5.05% £1min (29/03) ***NLA 03/04*** (see trail)

Check terms  - DYOR.

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

Also see 

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

Cash ISAs: The Best Currently Available List — MoneySavingExpert Forum

Notice Accounts 

soulsaver

thanks @James87 & thanks at Santander for 2.75%
https://www.santander.co.uk/personal/savings-and-investments/savings/esaver

soulsaver

Zopa tiered 2.15% EA;  2.20, 2.35, 2.55%  7day, 31day, 90day notice. Smarter Savings built for real life - Zopa.

Thanks @Nevergonnaretire

soulsaver

Added/updated

Cynergy 2.75% EA Iss 53 (13/10) needs app or digipass for online access. Cynergy Bank Thanks @intalex

Tandem 2.05% (13/10) App only  Instant Access Savers (tandem.co.uk) thnx @WillowLea1962

eta iss 53

cloud_dog

Shawbrook EA up to 2%.  Not sure if the even makes the list anymore 🙂

wiseonesomeofthetime

Gatehouse Bank. Easy Access. Expected Profit Rate 2.00% to 2.25% wef 14/10/2022

soulsaver

Ford Money 2.5% wef 19/10 initially existing customers only - So maybe grab it now with £1 for keeping options open? Flexible Saver pre-application checklist | Ford Money  Thanks @FindingBBob      

Dear Ed

As a valued customer we wanted to let you know about our upcoming rate increases:

• On Tuesday 18th October we will be increasing the rates on our Fixed Saver 1, 2 and 5 year products to 4.3%, 4.5% and 4.55% respectively.
• On Wednesday 19th October our Flexible Saver rate will then be increasing to 2.5%. This rate will initially be exclusive* to existing customers, so you won’t see Flexible Saver on sale to new customers from this date.
• In addition, we will be increasing our Flexible Cash ISA to 1.90% on that day for both new and existing customers.

As always, we hope these increases will help you reach your savings goals.

Best wishes,
Ford Money Team

        *Note 19/10 Have not implemented the published application restrictions yet.

eta strikethrough. 25/10 exclusive to existing customers.

cloud_dog

Apparently, Chase increasing to 2.1% from 24 October.

soulsaver

Skipton Dble Access

Note NLA  21/10. Product Not Available - Skipton Building Society

Kazza242

According to Moneyfacts, the Tesco Internet Saver will be paying 2.06%. 

The rate includes a 1.71% bonus for the first 12 months.

https://www.tescobank.com/savings/flexible/internet-saver/