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 to him/her/them.


Happy hunting  

soulsaver

ToTP  

OK Pot Pickers...

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

BoE BR 18/12 down at 3.75% Next MPC meet:02/02/26

Updated 2/12 at c2.00hrs - 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 Cahoot Simple Saver Iss13 4.40% £1 min (10/10) 

2 Chase Boosted Rate Svr trckr 5.00->4.75% -> 4.50%->4.25 (wef 29/12) inc.newbie-only 1yr bonus AO
   
  Chip  See Relegations 18/12

  Shawbrook Bonus EA Iss3; 4.34% (inc. 2.34% fix12 mths bonus for Newbies** only (31/10)***NLA 19/12***

3 AA EA Members Saver  4.30% Incl. 1st year bonus (19/11) -> 4.05% wef 06/01 . 

  Principality O/L Tri Access Iss8 4.25% inc 1styr bonus; £1 min (18/09) ***NLA 21/12***

4Manchester BS Rainy Day Saver (single access) 4.25% £1min (22/09)

5 LHV Bank EA 4.25% (£1 min, £100k max across all EA accounts). Note: LHV c/a required (26/11)

  Vanquis Triple Access Saver (Issue 3) (`tri') £1k min 4.25% (01/12) ***NLA 19/12*** See Iss4 4.08%

6 Teachers Double Access (Issue 1) 4.20% (£100 min) Teachers etc.(20/09) ->3.90% wef 03/01

7 AA Easy Access Savings 4.20%  Incl. 1st year bonus (19/11) ->3.95% wef 06/01

8 Newcastle BS 6 Month Variable Saver (Issue 3) 4.15% until 10/6/26 £1 min (19/12)

9 Family BS Market Tracker Saver at 4.14% -> 3.98% wef 01/01 (19/12)

Small(er) balance, near /ToTP rates:

Santander Edge Saver Iss4 6.0 % £4k MAX inc 2.5% 12mth bonus (23/09) **see trail 23/09**.

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)

Info/Relegated - note not maintained - rate/info/links may be out  of date..

Chip Instant Access Account7 Tri w/ds (Trckr) -> 4.37% for newbies* Replaced by 3.11% version 18/12

Chip Instant Access Unlimited w/ds (Trckr) 4.32 -> 4.35% for Newbies* Replaced by 3.00% version 18/12

Hodge Bank Easy Access Issue 1 £1 min 4.21% (14/10)

Harpenden BS Online Single Access (Issue 2) 4.21% £100 min (16/10)

Penrith Ltd Access E-svr Iss2 (6 w/ds) 4.21% £1 min (18/09)

Tesco Bank Internet Saver 4.20% (£1 min) (20/09)

Family BS Market Tracker Saver 4.25% (03/09) -> 4.14% wef 01/10 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(14/10) relegated but see above

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

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.

Principality O/L Tri Access Iss8 4.25% inc 1styr bonus; £1 min (18/09) ***NLA 21/12***

Vanquis Triple Access Saver (Issue 3) (`tri') £1k min 4.25% (01/12) ***NLA 19/12*** See Iss4 4.08%

Shawbrook Bonus EA Iss3; 4.34% (inc. 2.34% fix12mth bns for Newbs** only) (31/10)***NLA 19/12***see iss4

Monument Bank EA 4.51inc fixd 0.74% newbies boost to 01/12/26 £25k minFR (05/11)***NLA 11/12***

Tipton & Coseley BS Triple Access Saver £5k min 4.30%. AO (07/10) ***NLA 11/12***

Coventry BS 4 Access Saver - 1 Year 4.30% (22/10) ***NLA 04/12***

Ulster Bank  Limited Edition Saver Account 4.50% £5k Min FR (01/10) see trail ***NLA 18/11***

West Brom BS Triple Access 4.48% -> 4.55% £1 min  (10/11) *see trail 06/11 ***NLA 14/11***

Zopa Smart Saver 4.75% Bonus rate.  £500 mthly to c/a for bonus on svrs.AO (21/10)***NLA03/11***

Previous NLAs Aug '24 - Oct '25 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/