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

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

BoE BR 30/07 held at 3.75%. Next MPC meet: 17/09/26.

Updated 11/09 at c22.30hrs - 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 Stafford BS Access-One 4.60% £5k min Single w/d (10/09) **see trail**

2 Earl Shilton BS Bonus One Plus 4.56% inc 3.71% 1yr bonus; £90k min; £250k max, 1 penalty free w/d (2+ w/ds results in loss of bonus) (01/09)

3 First Active Instant Access 4.55% inc.1st yr Bonus (07/08) (up 0.05% 19/08) 

4 Cahoot Simple SVR iss18 4.52% (04/08)

5 Monument Welcome Svr 4.51 £25k Min Newbies Only (19/08) AO

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

7 Tesco Internet SVR 4.4% inc. 3.35% Fxd 1st yr Bonus (07/09) 

- Oxbury EA Summer Ac (Issue 1): 4.33%  £1k min, new customers only (29/07) **NLA 07/09**

8 Post Office O/L Svr (Iss 89) - 4.31% (inc 3.33% 1st yr bonus) - £1 min (16/07)

9 UTB Limited Access Svr - 4.30% £5k min, restricted 2 w/ds (10/06)

10 Tipton & Coseley BS Reward Saver (Iss 2) - 4.30% £100 min £100k max, 4 w/ds (08/09) 

11 Oxbury Autumn Saver (Issue 1) 4.30%; £1k min new customers only (10/09).

Small(er) balance, near /ToTP rates:

Virgin Money Linked Svr EA 5.09% (fixed for 1st yr) £10k max - newbs to NW c/a or VM c/a (18/08) **see trail**

Spring 'Accelerate Saver' 5.00% Max £5k AO (13/08) 

Tembo Home Svr 4.55% inc.fx1st yr bns, £20k max(new iss 28/05) **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)

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

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)

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.

Oxbury EA Summer Ac (Issue 1): 4.33%  £1k min, new customers only (29/07) **NLA 07/09**

Tesco Internet SVR 4.53% inc. 3.48% Fxd 1st yr Bonus (25/08) 

Ulster bank Ltd Ed (Iss3) 4.30% £5k min FR (11/06) **NLA 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%

Link to 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/