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 cut by 0.25 to 4.25% Next MPC meet: 19/06.

Updated 10/05 at c.13.00hrs - 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 Easy Access `tri' tracker 4.77% rate for new customers.(15/05)AO 

2 Atom Bank Rewards Instant Saver - ->4.75% if no w/ds in mth, otherwise 2.50% (09/05)AO

3 West Brom BS 4 access saver Iss2 4.65% (re-entry 10/05)

4 Vida Savings Defined Access Issue 1 `quad' 4.63% £10 min (30/01) 

5 Buckinghamshire BS Online Single Access Saver 4.51% £10k min (01/04) -> 4.25 wef 01/06

6 Chase 6 mth svr 4.50% (from 4.75%) new customers, inc 1.75% 6mth bonus.AO(15/05)

7 Principality Online Bonus Triple Access Iss 6 4.50% inc 1 year bonus ->4.25% wef 19/06  

8 Harpenden BS Online Single Access (Issue 1) 4.50% £100 min (07/04)

9 Coventry BS 4 Access Saver (2) 4.50% (24/04)

Info:

Chetwood Bank Easy Access  4.52% (03/03)  4.26% (15/05)

Monument Bank Limited Access Saver `tri' 4.75% £25k min (overall) (30/01)AO ->4.23% (14/05)

Oxbury Bank Easy Access Account Limited Edition 2 4.58% £20k min.(05/03)-> 4.32% wef 08/05

Kent RBS Iss81 4.36% £1k minFR   (Replaces Iss80 4.50% NLA) (10/05)

*Chase has 4.80% 6 mth boosted rate offer for existing customers 'by invitation' see trail (28/04) , no link ATM. -> 4.55% underlying tracker BoE rate reduction 19/05

  

Small(er) balance, near /ToTP rates:

Santander Edge Saver 6.0 % £4k MAX (15/07) (iss3 wef 03/03) -> 4.5% wef 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

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 links may be OOD. 

Chip Easy Access `tri' 4.76% rate for new customers.(25/04)AO ***NLA?10/05***

Chip Instant Easy Access Saver 4.76% back to 4.60% (15/04)'new customers AO ***NLA?10/05***  

Kent RBS Iss80 4.50% £1k minFR  ***NLA(10/05)***  (Replaced by Iss81 4.36%) (10/05)

Saffron BS E-Saver Account (Issue 22) 4.50% £10 min (26/03) ***NLA 07/05*** new iss 4.25%

Charter EA Iss58 4.59% (21/03) Replaces Iss57 4.53% appears ***NLA (02/05)***

Ulster Bank Loyalty Svr  4.50% £5k min ***rate NLA 22/04***  4.25% wef 22/04

Kent RBS Iss79 4.64% £1k min   ***NLA 11/04*** new iss 4.50%

Cahoot Sunny Day Saver Iss 4; 4.50% £3k max ***NLA 02/04*** see Iss 5 above.

Previous NLAs Aug - Mar 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/