Top Limited Access savings, or Top Loyalty savings?

JB50MSE

Please can anyone direct me to where I can see updated Top Limited Access Savings accounts (e.g. 3 or 6 withdrawals permitted without penalty p.a.), which often offer slightly better interest rates than other easy access savings?
I'm also searching for Top Loyalty Savings accounts i.e. those which offer slightly better interest rates for existing customers.
I'm not asking about savings accounts which are only available to people who live in a certain part of the UK, but those which are available to everyone in the UK, and who may or may not need to hold an existing account with that provider.
As an example, I have a Yorkshire Building Society Loyalty Six Access Saver, currently (8/7/23) paying 4.5% variable rate interest. Pay in any time, withdraw anytime up to 6 times in a year, minimum balance £1. That seems better than other accounts I can find currently, although please tell me if you know better!
I've tried MSE, Money Supermarket, Compare the Market and Google. They all seem to offer Easy Access, Notice Savings, Fixed Rate etc.
Sometimes MSE suggests a Limited Access or a Loyalty savings account, but I'd find it helpful to see this kind of list always available, with their limits. They change frequently, just like every other type of savings account!
If it doesn't exist, would anyone else find a list of this type helpful?

Updated 19/8/23. Thank you for all the helpful replies So I conclude there's no separate, constantly updated list on MSE or elsewhere, specifically for Loyalty and/or Limited Access savings accounts, although these do appear among other MSE lists, when applicable, and Moneyfacts has a useful way of defining the features/limits of savings accounts. And it's also a good idea to save/keep a small sum with Coventry, Cambridge, Skipton, Yorkshire Building Society et al, and to enable marketing notifications, in case they offer attractive new accounts to existing customers for a short time. Newer savings providers emerge, and sometimes existing providers offer new types of account, as well, so I was hoping for a separate list of savings accounts with tweaks/limits, but I suppose that's life. I'm very grateful for the help and information MSE gives us all.

r6mile

I think those feature in the usual Easy Access lists. For example, one of the top accounts atm is Coventry which is 4.3% for up to six withdrawals (there is also an ISA equivalent at 4.1%).

JB50MSE

r6mile said:

I think those feature in the usual Easy Access lists. For example, one of the top accounts atm is Coventry which is 4.3% for up to six withdrawals (there is also an ISA equivalent at 4.1%).

What I'm after is a permanent, frequently updated list because Limited Access and Loyalty savings accounts do not always appear in the MSE Easy Access lists.

Catplan

https://moneyfactscompare.co.uk/savings-accounts/

certainly lists limited access.

Not sure if loyalty accounts would appear here, the thing is only people eligible normally hear about them. I know YBS have an option to sign up for emails when they launch new products, which I’ve used and has informed me about loyalty products. Not sure if others do this, but you need an awful lot of accounts to qualify if every institution offered loyalty accounts.

wiseonesomeofthetime

Try this, however, you can play with the toggles yourself, via Full Search button.


Obviously, only shows those accounts that are actually available to open, so no YBS Loyalty 6 eSaver showing, and the like (NLA)

dlevene

JB50MSE said:

r6mile said:

I think those feature in the usual Easy Access lists. For example, one of the top accounts atm is Coventry which is 4.3% for up to six withdrawals (there is also an ISA equivalent at 4.1%).

What I'm after is a permanent, frequently updated list because Limited Access and Loyalty savings accounts do not always appear in the MSE Easy Access lists.

When they're top of the pots, they're on the list. When they're not, why would you be interested in them?

Bobblehat

I think OP's point was that there are some accounts that don't appear on the "Top of the pots" list, that beat the current #1, because they are limited access, or Loyalty ... or similar accounts. I have wondered how to check if I am missing out too. With many on here having many savings accounts spread over several banks, it could be easy to miss a short-lived high interest paying loyalty account or similar.

e.g. at the time of offering, Coventry BS 4 Access paying 4.5%/4.41% pa/pm beat the #1 on MSE EA list and Soulsaver's list too. It's NLA now, I think.

dlevene

Yes this is true for loyalty accounts, but not limited access. 

AndyTh_2

while both are no longer available, YBS and Coventry have limited access savers 4.5% AER, former a loyalty account. For YBS if you're looking for future loyalty products its worth opening and keeping an account open with £1 if not more, so you can get to the 12 months needed.

I also keep at least £1 in Skipton, Coventry, Cambridge for potential future loyalty products. (Like Skipton's 7.5% regular saver recently)

Bigwheels1111

AndyTh_2 said:

while both are no longer available, YBS and Coventry have limited access savers 4.5% AER, former a loyalty account. For YBS if you're looking for future loyalty products its worth opening and keeping an account open with £1 if not more, so you can get to the 12 months needed.

I also keep at least £1 in Skipton, Coventry, Cambridge for potential future loyalty products. (Like Skipton's 7.5% regular saver recently)

Like you I now leave a £1 or £2 in old accounts.
That got me the Skipton regular saver this year.

Giving chip until Wednesday to up their rates before moving my emergency found back to them.

Bobblehat

Thanks AndyTH_2 and Bigwheels1111 .... must remember to dip my toe into YBS and Skipton soon, for possible very decent accounts in a years time ... I think that's their criteria for loyalty accounts.