The New Top Easy Access Savings Discussion Area

InvesterJones

Bridlington1 said:

@soulsaver

Oxbury Bank Easy Access Bonus Base Rate Tracker 1 4.48% (includes 0.7% variable bonus till 18/10/25) £1k min.

Interesting, I hadn't seen a rate tracker from Oxbury before. It seems to have many variables which they can adjust (such as what margin they leave on the base rate), as well as a bonus only lasting < 3 months. I already have an easy access with a higher base rate from them with no tracking.. but if one thinks rates might increase then maybe (assuming they don't further increase the margin to base rate).

tonypyorkshire

On a slightly related note,

Is it usual for Oxbury to offer existing customer accounts rates that are exactly the same as non-customers?

My last 2 (existing customer) Bonds have been at an increased rate but the ones on offer now don't seem to be different.

No huge deal but it would have been nice to have some loyalty rate (as previous bonds have)!

refluxer

tonypyorkshire said:

On a slightly related note,

Is it usual for Oxbury to offer existing customer accounts rates that are exactly the same as non-customers?

My last 2 (existing customer) Bonds have been at an increased rate but the ones on offer now don't seem to be different.

No huge deal but it would have been nice to have some loyalty rate (as previous bonds have)!

No, it isn't normal for them to do that. Their existing customer accounts usually either pay a higher rate of interest or (more commonly) are only available to existing customers and not new customers (particularly the 3, 6 and 12 month accounts). 

BTW - it does tend to get shunted quite far down the forum at times, but there is a dedicated thread for fixed rate account discussions

https://forums.moneysavingexpert.com/discussion/6332491/the-top-fixed-interest-savings-discussion-area#latest

soulsaver

From the ToTP top 10ish ranked easy access accounts available (note page 1 caveats) the list of NLA accounts has been updated to include May to June '25 details - so is now Aug 24 - June '25 inclusive: 

https://forums.moneysavingexpert.com/discussion/comment/80952215/#Comment_80952215

Just stating the obvious to avoid confusion: The rates/detail included will be correct at the time they were 'demised' but may be OOD now.

soulsaver

ToTP:
The Top 10 (or so) ranked Easy Access accounts. See the first page for 'Keys' & Caveats.
All links checked and updated as at 14:05 hrs 20/07/25

Top Easy Access acs Ranked by rate: Top of The Pots - **No Chat** — MoneySavingExpert Forum

If you find the info. useful, you can always find this link in my signature box on any of my posts - like below . 

MFMP

Does anyone here know if you are permitted to open multiple cahoot sunny day and / or normal savings accounts. Or are you limited to one of each. 

I've read the T&Cs and can't find the answer. 

Thanks in advance 

pokemaster

Sunny Day Saver

"You can have a maximum of 1 sole account and 1 joint account per person."

https://www.cahoot.com/products-and-services/cahoot-sunny-day-saver

(Its in the "things to keep in mind" section)

ALSO on the fact sheet:

under "managing account"

"You can pay money into your account and take money out at any time using Online or Telephone
Banking. You can have a maximum of two cahoot Sunny Day Saver accounts – one in your sole
name and one you can hold jointly with someone else"

darren72

MFMP said:

Does anyone here know if you are permitted to open multiple cahoot sunny day and / or normal savings accounts. Or are you limited to one of each. 

I've read the T&Cs and can't find the answer. 

Thanks in advance 

I've held two Sunny Day accounts (in sole name), but they were different issues - I'm not sure if that makes a difference.

MFMP

Thanks both for the speedy replies. 

allegro120

MFMP said:

Does anyone here know if you are permitted to open multiple cahoot sunny day and / or normal savings accounts. Or are you limited to one of each. 

I've read the T&Cs and can't find the answer. 

Thanks in advance 

I have 8 Cahoot Sunny Days. Issues 2, 3, 4 and 5 - 2 accounts of each issue (one sole and one joint). 

I also have 2 Simple savers, issues 9 and 10.