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 19/06 maintained at 4.25% Next MPC meet: 07/08

Updated 25/07 at c.23.55hrs - 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 Boosted Rate Svr 5.00% inc.fixed 2.25% 1yr bonus for new customers only AO (09/06)

2 Oxbury EA Bonus Base Rate Trckr 1  4.48%-> 4.61(inc.0.70 0.83% v.bonus to 18/10) £1k min (25/07).

3 Atom Instant Saver Reward 4.75% -> 4.60% if no w/ds in mth, otherwise 2.50% (17/07) AO 

4 Cahoot Simple Saver Iss10 £1min 4.55% (23/05)

5 West Brom BS Four Access Saver Issue 3  4.55% Min £1 (14/07)

6 Principality BS Online Bonus Triple Access (Issue 7) 4.55% (04/07)

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

8 Skipton Bonus Saver 4.50% £1 min; £50k max inc. 1.7% fixed 1st yr bonus (19/06)

9 Secure Trust Access Svr 4.45% £1 min (11/06)  

10  Kent RBS EA iss1 4.41% £1min (17/07)

11 Cynergy Online EA (Issue 89) - 4.41% (incl 2.15% fixed bonus for 12 months) £1 min. (25/07)

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

13 Hodge Bank EA  Iss1 4.40% £1 min (26/06)  

14 Vida Defined Access Iss2  (quad) 4.38% £10 min (25/06)

Info - check data - may not be maintained:

Chip Instant Access trckr 4.56% inc. newb bnus, or 3.24% (30/05) AO 4.56%-> 4.33% wef 25/06: Relegated 

  

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

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.  

Family Building Society Online Saver (11)  4.52% Min £100 (02/07) ***NLA 17/07***

Kent RBS Iss83 4.41% £1k min appears *** NLA 17/07***

Close Brothers E A Is6 4.45% £10k MinFR (30/01) NLA 10/07 replaced by Iss7 4.30%

Kent RBS Iss82 4.46% £1k minFR   (Replaces Iss81 4.36% NLA) (21/05) -

Newcastle BS 6 MthSvr Iss1 4.40% £1 min 03/06 (Re-entry II 23/06)***NLA03/07*** Iss2 also 4.40%

Previous NLAs Aug '24 - Jun '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/