The New Top Easy Access Savings Discussion Area

NewYorkNo1fan

I believe every word from the above formites but as I hadn’t received notification of issue 79 reducing later this month ( I act as POA so not permitted to run account online, snail mail for me,) I contacted them just now and was told issue 79 is not reducing.
Kent Reliance infuriate me at the best of times but this just takes the biscuit 🤬

mon3ysav3r

NewYorkNo1fan said:

I believe every word from the above formites but as I hadn’t received notification of issue 79 reducing later this month ( I act as POA so not permitted to run account online, snail mail for me,) I contacted them just now and was told issue 79 is not reducing.
Kent Reliance infuriate me at the best of times but this just takes the biscuit 🤬

KR make so many mistakes (or misleading info) on their website and in their written communication with customers, but in this case I assume you have been given incorrect information given they are reducing almost all their accounts.

I received the following email saying 79 IS reducing:

"Your account name: D79 EASY ACCESS ACCOUNT MI

Important: we're reducing the interest rate on your account from 24/07/2025 as shown in the table below. 

Previous Rate:

GROSS* 4.54% / AER** 4.64%

New Rate:

GROSS* 4.22% / AER** 4.30%

This is in line with section 28.3 of our Savings General Terms and Conditions"

schiff

happybagger said:

Don't recall seeing this mentioned but West Brom BS have launched Four Access Saver Issue 3 @ 4.55%

@soulsaver

I like these new issues being offered with less than a month to go before the next BoE bank rate decision.
Less chance of its rate being reduced so soon after its offered.

chris_the_bee

NewYorkNo1fan said:

I believe every word from the above formites but as I hadn’t received notification of issue 79 reducing later this month ( I act as POA so not permitted to run account online, snail mail for me,) I contacted them just now and was told issue 79 is not reducing.
Kent Reliance infuriate me at the best of times but this just takes the biscuit 🤬

Kent Reliance

The interest rate on your D79 EASY ACCESS ACCOUNT is changing

Dear Mx Xxxxxx, Your account name: D79 EASY ACCESS ACCOUNT Important: we're reducing the interest rate on your account from 24/07/2025 as shown in the table below.

Previous Rate:

New Rate:

GROSS* 4.64% / AER** 4.64%

GROSS* 4.30% / AER** 4.30%

janusd

email from RCi Bank that they're increasing the rate of their Freedom Savings account, on 16th July (today), from 4.10% AER to 4.20% AER

dosh37

Bobblehat said:

Charter EA rate reductions by email today .... from 28/07/2025 AER/Gross

Issue 57 4.53%/4.44% down to 4.18%/4.10%
Issue 58 4.59%/4.50% down to 4.24%/4.16%

Bad timing on the part of Charter Saving now that inflation has risen to 3.6%.

I plan to move my cash from Charter Savings to Secure Trust Bank (4.45%) after 28th July.

pazza2000

Is Chase dropping there new member 5% interest rate anytime soon?

I’m an existing customer and was going to close my account and reopen for their enhanced rate, if that even works (it was hinted elsewhere that it does), however if they are likely to soon drop their rates anytime soon then it is not even worth it. 

I have a relatively large some of savings and I’m not sure where to place, I only need limited access and new to investing.

janusd

pazza2000 said:

Is Chase dropping there new member 5% interest rate anytime soon?

I’m an existing customer and was going to close my account and reopen for their enhanced rate, if that even works (it was hinted elsewhere that it does), however if they are likely to soon drop their rates anytime soon then it is not even worth it. 

I have a relatively large some of savings and I’m not sure where to place, I only need limited access and new to investing.

I always thought Chase were like Starling, in that when you leave, you can't return - from previous posts here and elsewhere, I thought they require you to wait 12 months before you can rejoin?

perhaps put as large an amount as possible that you won't need in Atom @ 4.75% and the rest in Cahoot @ 4.55% (where you can access as often as you like)... personally, i'd just throw the whole lot in Cahoot and not worry about the withdrawal limitations of Atom.

gt94sss2

pazza2000 said:

I’m an existing customer and was going to close my account and reopen for their enhanced rate, if that even works (it was hinted elsewhere that it does)

If you close all your Chase accounts, they won't let you rejoin

If you only need infrequent access, the Atom 4.75% may suit.

pazza2000

Ok, glad I checked here first. Will leave Chase very much as is and stick what I can in Atom at 4.75%, or should I look to a low-med risk investment, new to is but I don’t need instant access and with interest rates falling maybe now is the time to consider?

Off topic, I don’t have any other income right now having recently returned to the UK, until my income situation changes, I don’t need to self assess or declare interest unless it is over £10k pa?

Should maybe de my savings total pretty much the max amount I can deposit with Atom for the 4.75% rate.