The New Top Easy Access Savings Discussion Area

pecunianonolet

Message from Kroo

The Bank of England has just announced a decrease in interest rates from 5.00% to 4.75%.

From today, you’ll earn 3.85% AER / 3.78% Gross (variable) interest on your Kroo current account credit balance. 

This change is because we’ve set our interest rate at 0.9% below the Bank of England base rate, so whether it goes up or down, you’ll always know what to expect. 

jak22

Dont forget Atom 6mnth 5.0% still available, 7 day funding window.

ColdIron

Skipton Base Rate Trackers decreasing 11 November

https://www.skipton.co.uk/-/media/skipton-co-uk/pdf/savings/changes-to-tracker-accounts.ashx

Bridlington1

Co-op have announced a series of rate cuts from 22/1/25. 

Not quite a top rate at the moment but one to possibly open speculatively:

Co-operative Bank Select Access Saver 3 pays 4.59% if you make 1 or less withdrawals per calendar year (£1 min).

Co-op have to give at least 2 months notice of any rate cuts to this account and it has been spared Co-op's latest round of savings rate cuts (comes into effect 22/1/25) so will remain at  4.59% after then.

pookey

dlevene said:

Only the S&S ISA uses QMMFs. Cash ISA does not

Is the cash ISA is fully protected pls? 

Aidanmc

pookey said:

dlevene said:

Only the S&S ISA uses QMMFs. Cash ISA does not

Is the cash ISA is fully protected pls? 

Cash ISA has full FSCS protection up to 85K

gesdt50

SeriousHoax said:

Just signed up to Trading 212. Very quick to open an account.

For the the small amounts in the tens it would be good to have immediate tranfers only worrying as their accounts or stocks&shares that going into debt suddenly due to markets would incur a big deficit & charge?

brucefan_2

SeriousHoax said:

Can someone tell me how long it takes for a withdrawal from Trading 212 to reach my account?

Last time I did one (last week) it was there within an hour - it may have been quicker but that was when I checked

SeriousHoax

brucefan_2 said:

SeriousHoax said:

Can someone tell me how long it takes for a withdrawal from Trading 212 to reach my account?

Last time I did one (last week) it was there within an hour - it may have been quicker but that was when I checked

I made a withdrawal of £1 to test how quick it was and was there within seconds.

janusdesign

Bridlington1 said:

@soulsaver
Oxbury Bank Easy Access Account Special Edition 1 4.87% now 4.61%  £25k min NLA

it seems the Oxbury EA Special Edition 1 @ 4.61% is currently only available for existing customers - I can see it as an option when logging in.