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            I've just gone to log onto Charter. I had email the other day that Easy Access 47 rate is reducing from 4.03% to 3.78%. Yet when I go on the charter website and click their easy access link they are showing an account available Easy Access 56 @ 4.57%. Obviously it would be a variable rate but what is going on. Have I not been on the ball enough in updating to the latest rate as you used to have to do at Cynergy or are all the rates coming down soon?0
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 This is quite common with Charter and you have to keep an eye on the different issues. Can be a little frustrating. Your best bet if you are leaving your money there would be to open up the new issue and just do an internal transfer from old to new.oz0707 said:I've just gone to log onto Charter. I had email the other day that Easy Access 47 rate is reducing from 4.03% to 3.78%. Yet when I go on the charter website and click their easy access link they are showing an account available Easy Access 56 @ 4.57%. Obviously it would be a variable rate but what is going on. Have I not been on the ball enough in updating to the latest rate as you used to have to do at Cynergy or are all the rates coming down soon?1
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 Surely at 4.57 they are towards the top rates without silly apps or emailing statements to people? I don't use any app only accounts.jaypers said:
 This is quite common with Charter and you have to keep an eye on the different issues. Can be a little frustrating. Your best bet if you are leaving your money there would be to open up the new issue and just do an internal transfer from old to new.oz0707 said:I've just gone to log onto Charter. I had email the other day that Easy Access 47 rate is reducing from 4.03% to 3.78%. Yet when I go on the charter website and click their easy access link they are showing an account available Easy Access 56 @ 4.57%. Obviously it would be a variable rate but what is going on. Have I not been on the ball enough in updating to the latest rate as you used to have to do at Cynergy or are all the rates coming down soon?
 Or are they planning a drop on the 4.57 acc soon too,0
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 They are Web only. They don’t have an app. It’s an Easy Access account so it could change anytime. If they do, you can move your money whenever you want to. Only Charter will be able to confirm when they might change any rates but certain issues seem to keep their rates longer than I’ve sometimes expected.oz0707 said:
 Surely at 4.57 they are towards the top rates without silly apps or emailing statements to people? I don't use any app only accounts.jaypers said:
 This is quite common with Charter and you have to keep an eye on the different issues. Can be a little frustrating. Your best bet if you are leaving your money there would be to open up the new issue and just do an internal transfer from old to new.oz0707 said:I've just gone to log onto Charter. I had email the other day that Easy Access 47 rate is reducing from 4.03% to 3.78%. Yet when I go on the charter website and click their easy access link they are showing an account available Easy Access 56 @ 4.57%. Obviously it would be a variable rate but what is going on. Have I not been on the ball enough in updating to the latest rate as you used to have to do at Cynergy or are all the rates coming down soon?
 Or are they planning a drop on the 4.57 acc soon too,0
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 Close EA Iss5 4.70% £10k Min for the rate. Appears available again...EthicsGradient said:
 And the Close Brothers link goes to a "this account no longer available" page:Sorry, this account is not currently available2
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            Cynergy most issues seem to be 4.55% now (other than the ones that were already lower rate), but I didn't get the email. Does anyone have the date they were reducing?0
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            AndyTh_2 said:Cynergy most issues seem to be 4.55% now, but I didn't get the email. Does anyone have the date they were reducing?
 2nd Dec 2024
 1
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 Thats what i'm saying at this rate they must be close to the best buys, certainly for a bank who aren't demanding you access via an app.jaypers said:
 They are Web only. They don’t have an app. It’s an Easy Access account so it could change anytime. If they do, you can move your money whenever you want to. Only Charter will be able to confirm when they might change any rates but certain issues seem to keep their rates longer than I’ve sometimes expected.oz0707 said:
 Surely at 4.57 they are towards the top rates without silly apps or emailing statements to people? I don't use any app only accounts.jaypers said:
 This is quite common with Charter and you have to keep an eye on the different issues. Can be a little frustrating. Your best bet if you are leaving your money there would be to open up the new issue and just do an internal transfer from old to new.oz0707 said:I've just gone to log onto Charter. I had email the other day that Easy Access 47 rate is reducing from 4.03% to 3.78%. Yet when I go on the charter website and click their easy access link they are showing an account available Easy Access 56 @ 4.57%. Obviously it would be a variable rate but what is going on. Have I not been on the ball enough in updating to the latest rate as you used to have to do at Cynergy or are all the rates coming down soon?
 Or are they planning a drop on the 4.57 acc soon too,
 As to when they will reduce rates I am wondering if anyone has had an email announcing these rates are dropping soon? I have had one for the issue 47 that is reducing soon. I'd imagine the other are too?0
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