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 Easy Access 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 - recently morphed to: The New Top Easy Access Savings Discussion Area 

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



Key: AO = App Only; 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); MinFR= Minimum for (the) rate.

The 'trail' is all the posts after the rankings. If it says 'see trail' in the rankings look for the post dated the same date as the entry, as there will be links to more info/links to discussion that would clutter up the rankings. 

02/05/24 ETA MinFR
24/04/25 ETA AO
07/11/25 ETA 'The trail...etc'

Note: Generally, I don't rank 'aggregators'.

If I do, I'll put an extra emphasis on the 'Do Your Own Research' (DYOR) - which in essence means, I wouldn't use them - but others may take a different view.
There are several threads on the issue - see here for an example discussion that brings out some of the less-than-clear elements with aggregators and the FSCS deposit protection:  
Moneyfarm: is Cash ISA protected by FSCS? — MoneySavingExpert Forum.

Cut off times for same day deposit credit:

One mega contributor @Bridlington1 has produced a useful list of cut off times for same day credit to Banks & BS. Many thanks extended to him.


Happy hunting  

soulsaver

ToTP  ranking: Temporarily moved...:

Hi,

I'm away from my desk for a about a week from 1st September.

Topman @Bridlington1 has kindly agreed to maintain the ToTP Easy Access **No Chat** thread in my absence

He'll be posting your reported eligible EA accounts for readers' info/consideration.

It would be helpful if relevant posts could name drop him instead of (or as well as) me for the period.

He is not able to post in the ToTP rankings page, so he has kindly volunteered a workaround - he'll replicate and then maintain it on the first page (5th post) of the New Top Easy Access Discussion Area

Here is a link to the page.

The original rankings page will be updated on my return.

I'll post this notice in the EA discussion & ToTP rankings page too, so it will be navigable in a couple of clicks.

Thanks for everyone's past contributions and your assistance while I'm away.

And a special thanks to @Bridlington1 for squeezing this in at his already busy time 👍️

Info/Relegated - note: Not maintained - ranking/rate/info/links may become out  of date.

thisbank Triple Access Saver 4.28% £1k min (26/06) 

Notts BS Bonus Access 4.25% inc initial bonus. £1min (06/08)

Cynergy Online EA (Iss 99) - 4.23% £1 min. (03/06)

Charter Savings Bank Easy Access - Issue 78 - 4.21%; £1 min (14/07)

Tesco Internet Saver 4.21% (inc 3.16% 1st yr bnus) £1min (28/07) now 4.53(25/08)

Kent Reliance Limited Access Iss3 (Tri) - 4.21%  £1 min closes on 4th  w/d (21/07)

Yorkshire BS Tri e-Svr 4.20% £1min (14/05)

Leeds EA Sver Iss21 - 4.20% £1k min (14/07)

HTB - Easy Access Online Svr (Iss 36) - 4.18% £1 min. (26/06).

AA EA Members Saver 4.16% inc. bonus (29/04)

Vida Savings Double Access Saver Iss1 4.16% £500 min (24/02)

Virgin Money Double Take E-Svr Iss19; 4.16% - 2 w/d/yr + closure. (07/04)

NLA - Recently No Longer Available: Rates stated are those at going NLA and aren't maintained, may have changed and any links may be OOD.

Ulster Bank Ltd Ed Svr (Issue 3) 4.30%  £5k MinFR (11/06) **NLA 28/08 to newbs**

Cynergy O/L E A (Issue 100) - 4.55% AER (Inc 1st yr bnus); £1 min (11/08)**NLA 17/08**

Revolut 5.00%(inc. bnus to 04/12/26) £25k maxFR; Newbies only***NLA 05/08***

Cahoot Simple Saver iss 17 4.35 (02/07) **NLA 04/08** replaced by Iss18 4.52%

Plum EA Svr 4.52% for 6mths, newbies only, £20k MAXFR (17/07) **NLA 31/07**

Coventry BS 3 Access Svr 1yr(iss2) 4.30% £1 min (30/06) **NLA17/07**

Skipton Member EA 4.25% 12mths Min£1 (22/06) £10k max **NLA 15/07**

Secure Trust - Access Account 4.21%  £1min  (03/06) **NLA15/07**

Cahoot Simple SaverIss16 4.17% for 12 mths (14/04) NLA 02/07 Replaced by Iss17 4.32% 

Historical NLAs here

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      

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/