The New Top Easy Access Savings Discussion Area

UncleK

Ford Flexible Saver is still showing as 4.35% - I trust I haven't missed any announcements about that dropping, have I? I assume that is imminent...............

dosh37

SnowMan said:

West Brom 4 access saver (issue 2): The interest rate where 5 or more withdrawals are made is reducing from 2.15% AER to 1.9% AER from 16th June 2025. That suggests to me that the rate where less than 5 withdrawals have been made will remain at 4.65% AER after 16th June 2025 as no mention is made of that. Given that the rate went up to 4.65% AER after the interest rate cut it seemed likely in any case that the rate wouldn't immediately decrease.

https://www.westbrom.co.uk/savings/easy-access/four-access-saver-issue-2

Any idea why it doesn't appear in the MSE Top Picks list?

refluxer

dosh37 said:

SnowMan said:

West Brom 4 access saver (issue 2): The interest rate where 5 or more withdrawals are made is reducing from 2.15% AER to 1.9% AER from 16th June 2025. That suggests to me that the rate where less than 5 withdrawals have been made will remain at 4.65% AER after 16th June 2025 as no mention is made of that. Given that the rate went up to 4.65% AER after the interest rate cut it seemed likely in any case that the rate wouldn't immediately decrease.

https://www.westbrom.co.uk/savings/easy-access/four-access-saver-issue-2

Any idea why it doesn't appear in the MSE Top Picks list?

MSE's top tables don't update as regularly as some of the other comparison sites. Personally, I use Moneyfactscompare as it's usually more up-to-date and (once you've re-ordered the results in terms of 'Rate'), it gives a simple list in rate order. That West Brom account is currently 5th on their list.

KevinG

Got an email yesterday saying that the Shawbrook Easy Access rate was reducing from 3.85% to 3.60% AER from 30th May. I emptied the account some time ago when it became uncompetitive.

janusdesign

Secure Trust Access Account (Issue 19) dropping from 4.40% to 4.15% on 30th May.

intalex

Growingold said:

I can't seem to see  their Quadruple Access Cash ISA Saver currently 4.35% on the list.   Am I missing it?

Just been notified in an email from Skipton that it is also going down on 9 June, to 4.10% AER

masonic

It seems I am on the naughty step with Family BS. They have taken exception to me using their debit card funding option to fulfil the criteria for my Halifax Reward accounts. A shame really as it was a pain waiting for the funds to clear at NS&I. I now need to provide them with an explanation for regulatory compliance. I expect they will tell me not to do it again.

allegro120

masonic said:

It seems I am on the naughty step with Family BS. They have taken exception to me using their debit card funding option to fulfil the criteria for my Halifax Reward accounts. A shame really as it was a pain waiting for the funds to clear at NS&I. I now need to provide them with an explanation for regulatory compliance. I expect they will tell me not to do it again.

Thank you for this warning. I've done it twice, no repercussions so far.  I didn't withdraw on the same day though, did it the next day instead (just in case).

flaneurs_lobster

masonic said:

It seems I am on the naughty step with Family BS. They have taken exception to me using their debit card funding option to fulfil the criteria for my Halifax Reward accounts. A shame really as it was a pain waiting for the funds to clear at NS&I. I now need to provide them with an explanation for regulatory compliance. I expect they will tell me not to do it again.

Why do they say the explanation is needed for "regulatory compliance"? It's got nothing to do with the regulator(s).
They just don't want you rinsing cash through their savings accounts.
Just use Revolut, they're used to having large amounts of cash sloshing around their accounts. 

jim1999

It may just be for some money laundering piece.  I'd be tempted to explain that it's from your own UK bank account with Halifax, and they might be satisfied with that.