Is there a bank that always has the most competitive savings easy access accounts?

pw23

To prevent me from having to keep switching savings account/bank every time I see more competitive rates, generally speaking, is there a bank/savings provider, that consistently provides the most competitive easy access interest rates?

From my observations it  seems to be shawbrook, chip and tandem
but it seems that one takes the lead for a few weeks-a-month turn. The other does the same for similar amount of time

VNX

Personally ive been with Tandem since April and over that time they have been top or close to top for all of it. 

Very happy with them, I have and will just stick with them especially after todays increase from them to 5pc AER 

some move their money for any increase which is fine that’s their decision, for me Tandem over the last five months as an average they have been pretty much the best for most of it or at least close to it.

I’ll stick, personally if they lag behind by say 0.4/0.5 I’ll move but I’ll cross that bridge when I come to it 

Richard1212

QUOTE > "but it seems that one takes the lead for a few weeks-a-month turn. The other does the same for similar amount of time"UNQUOTE

And that's how they'll stay---- a number of savings banks each leap-frogging over each other all the time, often for long periods with some of them falling much lower before making their comeback.

No, you can't be told by anyone on this site that there is ONE bank that is constantly the Number One---because there isn't one. 
I would never go chasing round and transferring savings to the top saver of any given time, so I have 3 or 4 that I keep in my easy transfer section from my main current account : Shawbrook, RCI, Marcus, and Paragon ( Tandem misses out because it doesn't allow Joint Accounts).
   I leave a couple of £s in all of them to keep them to keep them open and only switch when a large disparity has grown over a reasonable  period between the banks. For virtually all of 2023, I have kept  £150,000 in our Shawbrook Joint Account( and £5 in each of my other 3 trusted banks).

r6mile

In the limited-access account space, Coventry BS is usually pretty good. Their Four Access Saver (NLA) is about to be 4.8% which before the latest Tandem increase looked to be the highest. And they have consistently increased their rates with every recent BoE increase.

Their Limited Access ISA at 4.35% is also very competitive.

Bigwheels1111

Until a month ago I would move my emergency fund to the higher paying account every time.
Then Virgin came out with an ISA with a good rate 5.55% and low access penalty.
So stuck most of the cash in there, fixed rates pay in November so as long as cash is not needed until then I’m fine.
As Will have enough for another emergency fund.
Then I will probably chase the best rate.

Yesterday Tandem knocked it out of the park with 5%, so Chip, Coventry, Shawbrook, Aldermore, Marcus and a few others are now empty ( all but £1 ) and Tandem is the recipient.
Im even closing a few regular savers to fund Tandem.

No one bank or building society will stay at the top, so you either rate hop or don’t it’s your choice.
I have been expecting Chip to fire back with a better rate for 2 weeks but it’s all quiet on their front.