The New Top Easy Access Savings Discussion Area

enterprising2016

savethepandas said:

enterprising2016 said:

Hi

How long did you wait before opening 3rd Reward Account from when you had the 2nd one? I currently have two and wonder if one year is a reasonable wait? Thank you!

Had two reward accounts, both renewed rewards in late summer. But around that time, other pressures prevailed and I didn't renew. One renewed to give me vue tickets, the other renewed so that I had to maintain a 5K balance. 

Branch visited, asking to go back to £5 reward for putting £500 into Skipton (previously NS&I) monthly by debit card.

Advisor went to talk to manager, manager said no as I had selected above options. I had not selected them 100%. Didn't appreciate being called a liar.

Told them to close both accounts and reopen three new accounts with the £5 reward. They pointed out that I might not be accepted, I pointed out that accounts currently were no use to me, so I would take that risk.

Both accounts 'closed' by staff. Two new 'reward accounts' opened.
But actually got one reward account and one plain current account as the two initial reward accounts weren't actually closed. Got them to close the plain account. One new reward remained open.

Next day opened two more reward accounts at one.

Do get the problem of three new cards and three new pins. 

Thanks for sharing the experience.
Hope Halifax did honour the newly opened accounts and not attempt to cause troubles subsequently?

Bridlington1

@soulsaver

Family BS Market Tracker Saver (1) £500 min now 4.5% (down from 4.65%).

If I'm not mistaken this pulls The Co-operative Bank Select Access Saver 3 at 4.59% £1 min into the top 10. This account pays a lower rate of interest if you make 2 or more withdrawals in a calendar year.

soulsaver

ToTP - Start 2025 - rates as at today's date. See original page linked at the bottom for UTD info.

If you've not seen it before, for it and more info., you can always find it from the link in my signature box, below.

Please note: It's a ***No Chat*** thread keeping info clear and easily found.


Note: I don't usually rank 3rd party, non bank providers - you can find them in Moneyfacts etc as part of  DYOR. 

1 Atom Bank Rewards Instant Saver - 4.85% if no withdrawals in mth (then 3.25%) (14/10) App only

2 Gatehouse EA 4.75%  EPR (11/12) up from 4.60%.

3 Chase 6 mth svr 5.00% - new customers - inc 6mth fxd 1.5% bonus (19/12)-> 4.75% wef 19/02 see trail.

4 Ulster Bank Loyalty Svr   4.75% (14/10) £5k minFR -> 4.50% from 20/01/25

5 Chip Easy Access Saver 4.72% (19/12) ***reminder DYOR*** 

6 Chetwood Bank Easy Access Account 4.61% 23/11 4.71% (25/11)

7 West Brom BS Four Access Saver (Issue 2) 4.65% £1 min (10/12)

8 Secure Trust Access Account Issue 19 4.65% £1 min (23/11)

9 Bucks BS Single Accss Svr 4.60% £10k minFR (26/12)

10 Co-operative Bank Select Access Saver 3 4.59% £1 min Single w/d before rate drop. (03/01)

Wishing all the savings & investing followers a healthy and prosperous 2025 - if so we'll be well happy!

Archerychick

Is there a list anywhere of which of the top instant access savers are instant transfers? 

I’m about to loose my bonus rate on Chase, which is instant into my current account. Have opened an EA with Gatehouse but that is sometimes hours or even the next day which won’t work for me. 

It looks like the next one on the list would be Chetwood without any withdrawal or balance restrictions - is that instant? 

jaypers

Archerychick said:

Is there a list anywhere of which of the top instant access savers are instant transfers? 

I’m about to loose my bonus rate on Chase, which is instant into my current account. Have opened an EA with Gatehouse but that is sometimes hours or even the next day which won’t work for me. 

It looks like the next one on the list would be Chetwood without any withdrawal or balance restrictions - is that instant? 

Cahoot (part of Santander) are immediate Faster Payments. Their Sunny Day Saver pays 4.75% up to £3k and you can have 1 sole plus 1 joint account. Rate lasts for 12 months (variable). Might be a good backup for other accounts you might have that aren’t immediate.

ToastLady

Archerychick said:

Is there a list anywhere of which of the top instant access savers are instant transfers? 

I’m about to loose my bonus rate on Chase, which is instant into my current account. Have opened an EA with Gatehouse but that is sometimes hours or even the next day which won’t work for me. 

It looks like the next one on the list would be Chetwood without any withdrawal or balance restrictions - is that instant? 

Check out what I think is last posting by ircE on instant access, looks like Tandem is next on the list after Chase.
https://forums.moneysavingexpert.com/discussion/comment/81165624#Comment_81165624

I'm keeping an eye out too, as my Chase bonus ends 16/1.

Archerychick

jaypers said:

Archerychick said:

Is there a list anywhere of which of the top instant access savers are instant transfers? 

I’m about to loose my bonus rate on Chase, which is instant into my current account. Have opened an EA with Gatehouse but that is sometimes hours or even the next day which won’t work for me. 

It looks like the next one on the list would be Chetwood without any withdrawal or balance restrictions - is that instant? 

Cahoot (part of Santander) are immediate Faster Payments. Their Sunny Day Saver pays 4.75% up to £3k and you can have 1 sole plus 1 joint account. Rate lasts for 12 months (variable). Might be a good backup for other accounts you might have that aren’t immediate.

That’s perfect, thank you! 

I could keep max £3k in that & then any other top EA that doesn’t need to be instant 

Archerychick

ToastLady said:

Archerychick said:

Is there a list anywhere of which of the top instant access savers are instant transfers? 

I’m about to loose my bonus rate on Chase, which is instant into my current account. Have opened an EA with Gatehouse but that is sometimes hours or even the next day which won’t work for me. 

It looks like the next one on the list would be Chetwood without any withdrawal or balance restrictions - is that instant? 

Check out what I think is last posting by ircE on instant access, looks like Tandem is next on the list after Chase.
https://forums.moneysavingexpert.com/discussion/comment/81165624#Comment_81165624

I'm keeping an eye out too, as my Chase bonus ends 16/1.

Thanks - I thought I’d seen something somewhere! 

flobbalobbalob

Archerychick said:

Is there a list anywhere of which of the top instant access savers are instant transfers? 

I’m about to loose my bonus rate on Chase, which is instant into my current account. Have opened an EA with Gatehouse but that is sometimes hours or even the next day which won’t work for me. 

It looks like the next one on the list would be Chetwood without any withdrawal or balance restrictions - is that instant? 

Chetwood are next working day withdrawals 

s71hj

Archerychick said:

jaypers said:

Archerychick said:

Is there a list anywhere of which of the top instant access savers are instant transfers? 

I’m about to loose my bonus rate on Chase, which is instant into my current account. Have opened an EA with Gatehouse but that is sometimes hours or even the next day which won’t work for me. 

It looks like the next one on the list would be Chetwood without any withdrawal or balance restrictions - is that instant? 

Cahoot (part of Santander) are immediate Faster Payments. Their Sunny Day Saver pays 4.75% up to £3k and you can have 1 sole plus 1 joint account. Rate lasts for 12 months (variable). Might be a good backup for other accounts you might have that aren’t immediate.

That’s perfect, thank you! 

I could keep max £3k in that & then any other top EA that doesn’t need to be instant 

I made a withdrawal from Cahoot today and confirm it was literally instantly showing in my Santander current account.