The New Top Easy Access Savings Discussion Area

janusdesign

Zopa Smart Saver rate changes...

Access pots: from 22 November 2024, the interest rate will change from 4.30% AER* (4.21% gross**) variable to 4.05% AER* (3.97% gross**) variable

After our recent Smart Saver Terms update, we’ve chosen to maintain your Boosted pot rates at their current level until the new Terms come into effect. But remember, from 30 December 2024, the rates on 7 and 31-day Boosted pots will move to 0.67% and 0.55% below the base rate. And from 16 February 2025, the rate on 95-day Boosted pots will move to 0.30% below the base rate.

BreakingGlass

janusdesign said:

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.

Same here - only visible once logged in.  I actually closed my 'Special Edition 1' two days ago when I moved everything to their 90 day Notice BR Tracker Account (now at 4.90%).

As a relatively new customer, I am quite impressed with Oxbury.  A very straightforward app/website and very quick to execute instructions/transfers etc.

ranciduk

Shawbrook EA down to 

4.15%

Zaul22

For anyone saving specifically for a house, Tembo just increased their ISA to match the base rate and got rid of the £800 fee.

Bridlington1

@soulsaver

Ulster Bank Loyalty Svr  to reduce from 4.75% to 4.5% from 20/1/25

Additionally:

Was mentioned upthread by someone else but Chip Easy Access Saver `Tri' has now reduced to 4.75% (3.82% + 0.93% 1Yr boost) 

YBS Online Rainy Day Account Issue 2 at 4.80% £10k max to reduce to 4.55% from 10/12/24 (thanks @t1redmonkey)

refluxer

ranciduk said:

Shawbrook EA down to 4.15%

Just the current issue (40) at the moment by the looks of it - presumably reductions for past issues will be announced soon, but I haven't heard anything yet.

Middle_of_the_Road

Bridlington1 said:

@soulsaver

Ulster Bank Loyalty Svr  to reduce from 4.75% to 4.5% from 20/1/25

That's a bit of a blow, considering last time they reduced from 5.2 to 4.75. 
Considering closing the account now, to bring forward the internet payment.

Got Coventry Triple access @ 4.95 but that's likely to drop to 4.7% if they do as they did last time the base rate dropped.

t1redmonkey

I'm kind of glad I still have the Cahoot Simple Saver issue 4, since it's still at 4.85% and they need to give at least 60 days notice of any rate reductions (and they haven't announced any change to it yet), so will be at that rate til at least early/mid January.

Patr100

janusdesign said:

Zopa Smart Saver rate changes...

Access pots: from 22 November 2024, the interest rate will change from 4.30% AER* (4.21% gross**) variable to 4.05% AER* (3.97% gross**) variable

After our recent Smart Saver Terms update, we’ve chosen to maintain your Boosted pot rates at their current level until the new Terms come into effect. But remember, from 30 December 2024, the rates on 7 and 31-day Boosted pots will move to 0.67% and 0.55% below the base rate. And from 16 February 2025, the rate on 95-day Boosted pots will move to 0.30% below the base rate.

Yes, I  am using their flexible Cash ISA as an easy access account but that also is due to drop so considering a move away as rates generally drop, due to my circumstances I am less likely to be heading near the threshold for overall taxable income:
Access ISA pots: from 22 November 2024, the interest rate will change from 4.80% AER* (4.69% gross**) variable to 4.55% AER* (4.45% gross**) variable.

flobbalobbalob

Oxbury:

Easy Access Account Special Edition 1

We are writing to let you know that from 22/11/2024, your account's interest rate on balances above £25,000 will change from 4.52% Monthly Gross / 4.61% AER to 4.27% Monthly Gross / 4.35% AER.