EA - single product offering vs multiple issues institutions

t33

Thanks especially to AmityNeon, that's a good starter list I'll add to.

t33

AmityNeon said:

(Not comprehensive.)

Single Account

• Atom
• Chase
• Chip
• Ford Money
• Gatehouse
• Investec
• Marcus
• Monument
• NS&I
• OakNorth
• RCI Bank
• Saga
• Tandem
• Zopa

Issue Accounts

(Some providers can apply rate changes to current and/or withdrawn issues, and may or may not release a new issue.)

• Al Rayan
• Aldermore
• Charter Savings
• Close Brothers
• Cynergy
• Hampshire Trust
• Kent Reliance
• Oxbury
• Paragon Bank
• Post Office Money
• Sainsbury's Bank (Defined Access Saver)
• Secure Trust Bank
• Shawbrook

Building Societies generally offer issue accounts. For the high street banks, their standard easy access accounts are terrible, and anything noteworthy is either limited issue (Santander eSaver) or has low balance limits and/or other caveats (e.g. Barclays Rainy Day Saver, HSBC Online Bonus Saver).

Am completely fed up with close issue/open later issue to get best rates and with the market moving so much recently its getting foolish (though maybe that will settle in the not too distant, who knows).  I've been delving into the Single Account offerings as listed above, and though I've not checked every one cannot find many that is a) joint accounts b) web online managed, preferably monthly interest.  I thought Investec seemed a good option, but their Online Flexi doesn't allow joint accounts.  Ford Money seems the only option (Marcus is out).