The New Top Easy Access Savings Discussion Area

gt94sss2

SeriousHoax said:

Hi, when is the interest rate dropping on issue 58 on the Charter Savings easy access? I've lost my email from a few weeks ago telling me the news.

From 28th July 2025

mebu60

SeriousHoax said:

Hi, when is the interest rate dropping on issue 58 on the Charter Savings easy access? I've lost my email from a few weeks ago telling me the news.

Monday. 28th. From 4.59% to 4.24%. EA Issue 62 available 4.36%.

SeriousHoax

mebu60 said:

SeriousHoax said:

Hi, when is the interest rate dropping on issue 58 on the Charter Savings easy access? I've lost my email from a few weeks ago telling me the news.

Monday. 28th. From 4.59% to 4.24%. EA Issue 62 available 4.36%.

I'll transfer it to cahoot now that I've got my details from snail mail but probably leave charter with £1

mebu60

SeriousHoax said:

mebu60 said:

SeriousHoax said:

Hi, when is the interest rate dropping on issue 58 on the Charter Savings easy access? I've lost my email from a few weeks ago telling me the news.

Monday. 28th. From 4.59% to 4.24%. EA Issue 62 available 4.36%.

I'll transfer it to cahoot now that I've got my details from snail mail but probably leave charter with £1

If you open EA62 then close EA58 (make a transaction, use full balance) transferring it to EA62 you'll get the accrued interest too. Then shift all bar £1 to Cahoot. Close and transfer all automated and fairly immediate. 

SeriousHoax

mebu60 said:

SeriousHoax said:

mebu60 said:

SeriousHoax said:

Hi, when is the interest rate dropping on issue 58 on the Charter Savings easy access? I've lost my email from a few weeks ago telling me the news.

Monday. 28th. From 4.59% to 4.24%. EA Issue 62 available 4.36%.

I'll transfer it to cahoot now that I've got my details from snail mail but probably leave charter with £1

If you open EA62 then close EA58 (make a transaction, use full balance) transferring it to EA62 you'll get the accrued interest too. Then shift all bar £1 to Cahoot. Close and transfer all automated and fairly immediate. 

I'll give that a go mebu60 😀

happybagger

Re: KRBS closing account (old 10 digit login), do you need to send a secure message to do this? A withdrawal request for the full balance brings the warning 'below the minimum balance of £1, amend the details'. Can't see a 'close account' option anywhere?

janusdesign

happybagger said:

Re: KRBS closing account (old 10 digit login), do you need to send a secure message to do this? A withdrawal request for the full balance brings the warning 'below the minimum balance of £1, amend the details'. Can't see a 'close account' option anywhere?

in theory yes... but dear God it's a painful and tedious process! 
I withdrew my balance, bar that £1, last week back to my nominated account and then sent a secure message requesting that that £1 either be paid to my nominated account or transferred to the new KRBS account (with username)... they replied to that *secure message* that I needed to send them a secure message requesting closure - but I had clearly stated that.
so I replied to that requesting again and just now I received the following secure message... it's like trying to get blood from a stone - i'll try a third time, but if that fails, i'll wait for it to be migrated across to the new system!

I will add that it takes them 3 or 4 working days to reply to each message - so if you need it doing quickly, phone them!

Thank you for contacting us regarding your Kent Reliance account.

If you would like to transfer funds into the Bonds and the new Easy access

account Issue - 1 available on our website, the first step would be to
close your current account. The funds can then be transferred to your
nominated bank account.

Once your account is closed, you can proceed with funding the new account.

Please confirm if you would like to close the account and transfer the funds to the existing nominated account.

janusdesign

@soulsaver
Oxbury Bank Easy Access Bonus Base Rate Tracker 1 - now 4.61% AER (includes 0.83% variable bonus until 18/10/25) £1k min.

janusdesign

@soulsaver
Cynergy Bank Online Easy Access Account (Issue 89) - 4.41% AER (includes 2.15% fixed bonus for 12 months) £1 min.

mebu60

janusdesign said:

@soulsaver
Cynergy Bank Online Easy Access Account (Issue 89) - 4.41% AER (includes 2.15% fixed bonus for 12 months) £1 min.

The pittance in my Issue 88, transferred in from Issue 85 a week ago, hadn't had sufficient time to generate any interest payable! Would have been a small fraction of a penny.