The New Top Easy Access Savings Discussion Area

Dizzycap

Should anyone be interested - The extra bonus rate is only available until 31st January, 2025 and is for new clients only - Monthly Interest applied to the Cash Isa account.

https://moneyfactscompare.co.uk/isa/easy-access-cash-isas/?quick-links-first=false&product-favorites-first=false&sort-order=AER&sort-order-text=Rate&utm_campaign=14848876_Savers Friend Public 28.01.2025&utm_medium=email&utm_source=dotdigital&dm_i=187N,8U9GS,5D1CHJ,10SON3,1

Starmer24

Hi pot pickers!  

Anyone reccomend me a "non nonsense" online Easy Access savings account for >£10k that doesnt have a limit on withdrawls, doesnt have tiered rates depending on the withdrawls made, doesnt need to be App only (wife somehow failed the Atom ID check?), has quick payments and ideally mthly interest?

Just need something straight fwd to operate and ideally a biggish name.

(she already has Marcus, Cynergy and Ulster)

Thank you!

jaypers

Starmer24 said:

Hi pot pickers!  

Anyone reccomend me a "non nonsense" online Easy Access savings account for >£10k that doesnt have a limit on withdrawls, doesnt have tiered rates depending on the withdrawls made, doesnt need to be App only (wife somehow failed the Atom ID check?), has quick payments and ideally mthly interest?

Just need something straight fwd to operate and ideally a biggish name.

(she already has Marcus, Cynergy and Ulster)

Thank you!

Cahoot Sunny Day? 4.75% but max £3000. You can have 1 joint and 1 sole account. Cahoot are part of Santander.

Starmer24

jaypers said:Cahoot Sunny Day? 4.75% but max £3000. You can have 1 joint and 1 sole account. Cahoot are part of Santander.

Thanks but thats only £3k.   Need to deposit more than £10k.

Malchester

Starmer24 said:

Hi pot pickers!  

Anyone reccomend me a "non nonsense" online Easy Access savings account for >£10k that doesnt have a limit on withdrawls, doesnt have tiered rates depending on the withdrawls made, doesnt need to be App only (wife somehow failed the Atom ID check?), has quick payments and ideally mthly interest?

Just need something straight fwd to operate and ideally a biggish name.

(she already has Marcus, Cynergy and Ulster)

Thank you!

I have account with Wealthify for just that purpose. Not the best interest rate (4.39%) but instant transfer both in and out and can be operated via Web or app. Have found them excellent.

Also look at Investec online only (no app) but virtually instant deposits and withdrawals but again, not the best rate (4.4%). Again I have found them good 

jimexbox

Starmer24 said:

jaypers said:Cahoot Sunny Day? 4.75% but max £3000. You can have 1 joint and 1 sole account. Cahoot are part of Santander.

Thanks but thats only £3k.   Need to deposit more than £10k.

If you want an instant access for an emergency pot you don't intend to access, obviously unless you have an emergency. Atom have an instant access saver at 4.85% AER. If you withdraw it drops to 3.25% AER for a month.  

pfpf

i'm doing a bit of new year housekeeping and i have been quite bad at keeping track in the last 6 months.

could someone please tell me what the current interest rate is on a Cahoot sunny day saver? iv'e just withdrawn the balance over 3k but it states 0% as i was over the 3k. is it 5% or has it been reduced to 4.75% for everyone?

Tandem, is it 4.40% for all, is that reducing any further in the coming weeks?

finally, Chase. is it best to just withdraw everything and keep the account open? i know Chase can be tricky to open new account after closing, is that just the current account? would i be able to open a new savings account if needed?

thanks so much.

wiseonesomeofthetime

pfpf said:

i'm doing a bit of new year housekeeping and i have been quite bad at keeping track in the last 6 months.

could someone please tell me what the current interest rate is on a Cahoot sunny day saver? iv'e just withdrawn the balance over 3k but it states 0% as i was over the 3k. is it 5% or has it been reduced to 4.75% for everyone?

£1-£3000 atm for me is 5.00%. It goes to 1% on 8 March as my term is up.

Tandem, is it 4.40% for all, is that reducing any further in the coming weeks?

Tandem, for me, is currently 4.40%, that includes the 0.25% top-up

finally, Chase. is it best to just withdraw everything and keep the account open? i know Chase can be tricky to open new account after closing, is that just the current account? would i be able to open a new savings account if needed?

Leave Chase open. They will not let you go back if you leave, regardless what CS seems to say

thanks so much.

..........

janusd

pfpf said:

could someone please tell me what the current interest rate is on a Cahoot sunny day saver? iv'e just withdrawn the balance over 3k but it states 0% as i was over the 3k. is it 5% or has it been reduced to 4.75% for everyone?

depends on the issue - Issue 2 is currently 5%, but goes down to 4.75% on 31st March... Issue 3 is already 4.75%.

pfpf said:

Tandem, is it 4.40% for all, is that reducing any further in the coming weeks?

no announcement of rate change, but my top-up was due to expire on the 6th February and I got an email from them suggesting that I may be able to renew it for another year in the app... checked and was able to renew it...  it might be worth checking the app to see if your top-up is near it's end and available for renewal.

soulsaver

Cahoot SDS goes to 4.75% var 31st Jan.

At anniversary of opening: 

"This account is for 12 months. After the term ends, we’ll transfer your money, and interest you’ve earned, into a cahoot Savings Account. We’ll contact you with more details about that closer to the end of the term."