The New Top Easy Access Savings Discussion Area

allegro120

janusdesign said:

Zopa Smart Saver dropping from 4.05% to 3.75% on 21st February for existing customers  - the email doesn't mention whether there are any changes to boosted pots, but I don't have any.

The Boosted pots should follow the pattern outlined in previous comms  - "the interest rates on 7, 31 and 95-day Boosted pots will be set at a certain percentage (0.67%, 0.55% and 0.30%, respectively) below the Bank of England base rate."

jaypers

allegro120 said:

janusdesign said:

Zopa Smart Saver dropping from 4.05% to 3.75% on 21st February for existing customers  - the email doesn't mention whether there are any changes to boosted pots, but I don't have any.

The Boosted pots should follow the pattern outlined in previous comms  - "the interest rates on 7, 31 and 95-day Boosted pots will be set at a certain percentage (0.67%, 0.55% and 0.30%, respectively) below the Bank of England base rate."

Boosted Pots reduce immediately, which seems odd as it brings rates below Access Pots for now. 

allegro120

Middle_of_the_Road said:

Nottingham Building Society.
Might be useful for some. 4.5% no restrictions.
Edit:
£1,000 min

https://www.thenottingham.com/savings/products/bonus-access-saver

This must be a re-emergence of Beehive
 It would be good to have this in the "library", it could become useful at some point, but £1,000 minimum balance is a a downside.  This requirement made me close all my Oxbury's accounts, Mansfield 90-days tracker and some others in the past.  I kept £5k in Ulster's Royalty for a long time, but that was justified by the account paying the top of the table rate.

alfred64

Popped into a Coventry bs branch today to open a 4 access saver account. Was told this account will not be available for very much longer.

exel1966

Pompeydave1967 said:

GetRichOrDieSaving said:

Pompeydave1967 said:

Havnt had anything from trading 212 yet , still sitting at 5.12% on cash isa but I’m waiting !

5.12%, I’ve been on 4.9% for about a month now…..

Opened mine around 10 days ago @ 5.12%. Expecting a drop but not a bad rate at all.

GetRichOrDieSaving said:

Pompeydave1967 said:

GetRichOrDieSaving said:

Pompeydave1967 said:

Havnt had anything from trading 212 yet , still sitting at 5.12% on cash isa but I’m waiting !

5.12%, I’ve been on 4.9% for about a month now…..

Opened mine around 10 days ago @ 5.12%. Expecting a drop but not a bad rate at all.

Ah ok, they must have kept the rate higher for new customers. 

5.12% was a promo for new customers about 2 weeks ago, it was increased further for even newer customers to 5.16% so will probably drop to 4.90% soon going by past experience.
Now it's at 5.03%.for new customers. They change regularly.

Malchester

allegro120 said:

Middle_of_the_Road said:

Nottingham Building Society.
Might be useful for some. 4.5% no restrictions.
Edit:
£1,000 min

https://www.thenottingham.com/savings/products/bonus-access-saver

This must be a re-emergence of Beehive
 It would be good to have this in the "library", it could become useful at some point, but £1,000 minimum balance is a a downside.  This requirement made me close all my Oxbury's accounts, Mansfield 90-days tracker and some others in the past.  I kept £5k in Ulster's Royalty for a long time, but that was justified by the account paying the top of the table rate.

Not impressed. Tried to open an account 8.30 this morning. Still waiting 14 hours later for account to be opened. Can log in but the message is that they have all the information they need but they need to do further checks.

Bobblehat

Spotted this on Skipton's BOE Base Rate Change page under FAQ's

SnowMan

Principality Online Bonus Triple access (issue 6) reducing from 4.70% AER (including 1.5% 12 month bonus) to 4.5% AER (including 1.5% bonus) from 13th March 2025

https://www.principality.co.uk/home/savings/savings-accounts/online-bonus-triple-access?startingBalance=&savingsContributions=0&savingsFrequency=&accountTermInMonths=12

SnowMan

Morningstar has an article on what the outlook for interest rates (bank base rate) is going forward

https://www.morningstar.co.uk/uk/news/260431/when-is-the-bank-of-englands-next-rate-cut-no-one-agrees.aspx

simonsmithsays

allegro120 said:

Middle_of_the_Road said:

Nottingham Building Society.
Might be useful for some. 4.5% no restrictions.
Edit:
£1,000 min

https://www.thenottingham.com/savings/products/bonus-access-saver

This must be a re-emergence of Beehive
 It would be good to have this in the "library", it could become useful at some point, but £1,000 minimum balance is a a downside.  This requirement made me close all my Oxbury's accounts, Mansfield 90-days tracker and some others in the past.  I kept £5k in Ulster's Royalty for a long time, but that was justified by the account paying the top of the table rate.

I thought the same when I spotted this product over a month ago