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.

02/05/24 ETA MinFR
24/04/25 ETA AO

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.


Happy hunting  

soulsaver

ToTP  

OK Pot Pickers...

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

BoE BR 07/08 reduced by 0.25 to 4.00% Next MPC meet: 18/09/25

Updated 11/09 at c23.00hrs - 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 Chip Instant Access Account 4.84->4.80% BoE trckr(inc 2.06% 3mth bonus newbies* only) AO (08/09)

2 Chase Boosted Rate Svr trkr 5.00->4.75%** inc.fixed 2.25% newbie only1yr bonus AO (08/09)

3 Principality BS Online Bonus Triple Access (Iss8) trkr 4.45% inc 1st yr bnus (07/08) ->4.25 wef 18/09

4 Cahoot Simple Saver Iss11 4.40% (21/08)

5 Oxbury EA Bonus Base Rate Trckr 1 4.36% (inc.0.83% v.bonus to 18/10) £1k min 

   Nottingham BS Bonus Saver 4.35%, £1k min, inc.2.3% bns to 31/10/26 (21/08) ***NLA 08/09***.  

6 Harpenden BS Online Single Access (Issue 1) 4.31% (£100 min) (29/08)

7 United Trust Bank UTB Easy Access Account 4.30% £5k min (05/09)

8 Shawbrook Bank Bonus EA - Issue 1 4.30% (inc. 2.8% bonus for 6 months) Newbies** £1 min.

9 Charter Savings Bank Iss 64 4.26%(05/09)

10 Family BS Market Tracker Saver 4.25% (03/09) -> 4.14% wef 01/10 & relegated?

Info/Relegated:

Vida Defined Access Iss2  (quad) 4.38% £10 min (25/06)->4.11% relegated wef 03/09.

Hodge Bank EA  Iss1 4.40% £1 min (26/06) -> 4.15%(18/08) relegated.

Oxbury Ltd Ed2 4.32% £20k min (12/08) -> 3.97% wef 21/08

* 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."

  

Small(er) balance, near /ToTP rates:

Santander Edge Saver 6.0 % £4k MAX inc 2.0% 12mth bonus (09/06) **see trail 28/03**.

Cahoot Sunny Day Saver (Issue 5) 5.00% £3k maxFR (02/04)

Barclays Rainy Day Saver  4.61% (06/05) £5k maxFR -> 4.36% wef 04/08-> 4.21% wef 30/10

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 and any links may be OOD. 

Nottingham BS Bns Svr 4.35%, £1k min, inc2.3% bns till 31/10 (21/08) . ***NLA 08/09*** versn 4.05%  

Kent Reliance Easy Access Iss3 4.27% £1min (02/09) ***NLA 05/09*** ->iss4 at 4.13%

Kent Reliance Easy Access Iss2 4.33% (22/08) ***NLA 02/09*** Issue3 4.27% see immed. above

Charter Savings Bank Iss 63 4.31% (12/08)  ***NLA 05/09***

Close Bros. 4.30% £10k minFR (18/08)  ***NLA 03/09***

Chip Instant Access Account 4.84% ***NLA27/08 ***-> 4.32%trckr(inc.1.58% 12mth bonus newbies* only) AO (27/08)

West Brom BS Four Access Saver Issue 3  4.55% Min £1 (14/07)-> 4.40%wef 15/09

Cahoot Simple Saver Iss10 £1min 4.55% (23/05) ***NLA 21/08***

Kent RBS EA iss1 4.41% £1min (17/07) ***NLA 19/08*** Iss2 4.33%

Charter Savings Bank iss62  Min £1 (11/08) *** NLA 12/08*** iss63 4.31

Cynergy Online EA (Issue 90) 4.45% £1min. rate reduces after 1yr (30/07) ***NLA 11/08***

Newcastle BS 6 MthSvr Iss2 4.40% £1 min (replaces Iss1 @ same rate) 03/07 ***NLA08/08***

Principality BS Online Bonus Triple Access (Issue 7) 4.55% (04/07)***NLA 07/08***iss8 4.45%

Skipton Member Bonus Saver 5.00% £5k max ***NLA 07/08?***

Previous NLAs Aug '24 - Jul '25 inc.

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/