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  

OK Pot Pickers...

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

BoE BR 30/04 held at 3.75%. Next MPC meet: 18/06/26 (no May meet).

Updated 02/05 at c13.00hrs - 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.. 

1 Chase boost trkr 4.50% inc. newbie-only 1yr bonus AO (29/12)see trail AO

2 Hanley EBS Dual Access Saver Online  4.27% £100 min (22/04)

3 Principality O/l Bonus 5 Access 4.25% (inc.1st yr 1.95% var bns) £1min (17/04)

- LHV Bank Easy Access 4.25% £100k max. LHV c.a. req'd. (24/03) ***NLA29/04***

4 Cynergy EA Iss 97 4.27% (var) 1st year - then 2.27% if no rate change (14/04) see trail

5 Cahoot Simple Saver 4.17% var for 12 mths (14/04)

6 Charter Savings Bank Easy Access - Issue 74 4.16% (29/04)

7 AA EA Members Saver 4.15 now 4.16% inc. bonus (29/04)

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

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

10 Manchester RainyDay Saver (single)4.25% £1min (22/09) ->4.15% wef 20/01

11 Family BS O/L Saver Issue 12 - 4.15% min £100 (20/04)

Small(er) balance, near /ToTP rates:

Tembo Home Svr 4.75% inc.1.75% fxd 1st yr bns £20k max(20/03) **see trail DYOR** AO

Santander Edge Saver Iss5 6.0 % £4k MAX inc 2.5% 1yr bns (23/09) **see trail 23/09**.

Cahoot Sunny Day Saver (Issue 6) 5.00% £3k maxFR (from iss 5 - 04/03)

Barclays Rainy Day Saver £5k maxFR 4.21% (30/10) ->3.96% wef 11/03

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

Info/Relegated - note: Not maintained - rate/info/links may become out  of date.

 LHV Bank Easy Access 4.25% £100k max. LHV c.a. req'd. (24/03) ***NLA? 29/04***

 Newcastle BS BR tracker BoE +0.40 = 4.15% £1 min (10/04) *** NLA 29/04 ***

 OakNorth Easy Access Tracker - 4.14% (inc.1.14% newb boost) £1min (06/03)

 Shawbrook Bonus EA Saver - Issue 5 (newbies only) 4.13% (22/01) 

 Saga Easy Access Savings Account 4.11% (inc 1.25% 1st year bonus) £1 min (02/04)

 Cambridge BS Dble Acs Svr 4.10% £100min (20/02)

 Charter EA Iss71 4.09% £1.00 min (11/02)

 Vanquis Tri Access Saver (Issue 4) (`tri') £1k min 4.08% (19/12)

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.

Virgin Money Double Take E-Svr Iss18;  4.16% - 2 w/d/yr+closure ***NLA 07/04*** - replaced by Iss 19 at same rate & w/d conditions.

Coventry 4 Access - 4.15% 1 year (13/03)  ***NLA 26/03***

Cynergy Bank O/L EA (Issue 94) 4.22% inc. 2.00% 12 month bonus(12/03)***NLA 27/03***

Chip Instant Access 4.20% inc 1st year 0.8% bonus for newbs (20/02) AO ***NLA 27/03***

DF Capital Iss7 4.20% £1k min (09/02) Re launched(09/03) ->4.25% (18/03)***NLA 25/03***

Coventry BS 3 Access - 4.25% 'Tri' £1min (27/02) ***NLA 13/03***

Previous NLAs Aug '24 - Feb '26 inc.

* Chip: "A new customer is defined as someone who has never previously transacted in a Chip account and has no other promotional rates applied on any Chip products.."

** Shawbrook: "For new customers only. You (or any joint account holder) must not have held a savings account with us in the last 28 days."

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/