The New Top Easy Access Savings Discussion Area

janusd

@soulsaver Chetwood Easy Access reducing from 4.26% to 4.04% AER on 28th August for existing accounts. New accounts will pay that from today.

Bridlington1

janusdesign said:

Principality BS have announced a 0.20% reduction on their existing variable rate accounts from 18th September...

Our variable rate savings accounts will be decreasing by 0.20% on 18 September 2025. To view our new interest rates, visit the savings products pages.

for me, the only EA account I have with them is dropping from 2.65% to 2.45%.

for withdrawn products, they haven't updated their rates pdf yet, so you might have to wait for their emails to find out what's happening to those NLA accounts.

@soulsaver

Of note:
Principality BS Online Bonus Triple Access (Iss8) shall drop from 4.45% to 4.25% (includes bonus).

roose0

Barclays Rainy Day Saver (£5k max) reducing from 4.36% to 4.21% AER on 30 October 2025.

Possibly in anticipation of a base rate cut in November.

mebu60

Bridlington1 said:

janusdesign said:

Principality BS have announced a 0.20% reduction on their existing variable rate accounts from 18th September...

Our variable rate savings accounts will be decreasing by 0.20% on 18 September 2025. To view our new interest rates, visit the savings products pages.

for me, the only EA account I have with them is dropping from 2.65% to 2.45%.

for withdrawn products, they haven't updated their rates pdf yet, so you might have to wait for their emails to find out what's happening to those NLA accounts.

@soulsaver

Of note:
Principality BS Online Bonus Triple Access (Iss8) shall drop from 4.45% to 4.25% (includes bonus).

Anyone seen Issue 7 reduction yet? Will it also be down 0.2% to 4.35% or drop to 4.25% to match Issue 8? 

Bridlington1

roose0 said:

Barclays Rainy Day Saver (£5k max) reducing from 4.36% to 4.21% AER on 30 October 2025.

Possibly in anticipation of a base rate cut in November.

The rate for balances over £5k is also reducing slightly. Though I can't help but notice Barclays have added a double space in the interest rate cut announcement.

DirtyConcrete

Coventry Building Society reducing rates from 1 and 2 September - different reductions depending on account but my NLA 4 Access Saver (2) reducing by 0.30% from 4.5% to 4.2%...

https://www.coventrybuildingsociety.co.uk/content/dam/cbs/member/pdfs/savings/rate-change-notice.pdf

SnowMan

DirtyConcrete said:

Coventry Building Society reducing rates from 1 and 2 September - different reductions depending on account but my NLA 4 Access Saver (2) reducing by 0.30% from 4.5% to 4.2%...

https://www.coventrybuildingsociety.co.uk/content/dam/cbs/member/pdfs/savings/rate-change-notice.pdf

And the no longer available 4 access saver (i.e. the issue 1 as well as the issue 2) also reducing from 4.5% to 4.2% AER on 1st September.

The currently available 5 access saver (1 year) appears to be staying at 4.15% AER so just below the no longer available 4 access saver rates.

Note the 5 access saver (1 year) shouldn't be confused with the no longer available 5 access saver (online) and no longer available 5 access saver (2) (online) which are reducing from 4.25% AER to 3.95% AER on 1st September. 

Hopefully I've got that right, very confusing with the similarly named accounts.

BreakingGlass

mebu60 said:

Bridlington1 said:

janusdesign said:

Principality BS have announced a 0.20% reduction on their existing variable rate accounts from 18th September...

Our variable rate savings accounts will be decreasing by 0.20% on 18 September 2025. To view our new interest rates, visit the savings products pages.

for me, the only EA account I have with them is dropping from 2.65% to 2.45%.

for withdrawn products, they haven't updated their rates pdf yet, so you might have to wait for their emails to find out what's happening to those NLA accounts.

@soulsaver

Of note:
Principality BS Online Bonus Triple Access (Iss8) shall drop from 4.45% to 4.25% (includes bonus).

Anyone seen Issue 7 reduction yet? Will it also be down 0.2% to 4.35% or drop to 4.25% to match Issue 8? 

Principality

Issue 7 will be 0.2% reduction.  As highlighted earlier, their website says 'Our variable rate savings accounts will be decreasing by 0.20% on 18 September 2025'.

deepsea_diver

Folks my folks my Chase boosted rate just expired - there was talk a while ago of people closing the saver, and being able to reopen with a new boosted rate - is this still viable or should I just switch to a Cahoot SDS?

I’ve quite liked Chase so far so I’d be happy to stay if it’s possible.

friolento

deepsea_diver said:

Folks my folks my Chase boosted rate just expired - there was talk a while ago of people closing the saver, and being able to reopen with a new boosted rate - is this still viable or should I just switch to a Cahoot SDS?

I’ve quite liked Chase so far so I’d be happy to stay if it’s possible.

If you close all your Chase accounts, you can’t re-open them. I did/do have a 2nd boosted Chase saver, but got that one because Chase made it available to most/all their customers.

You might get lucky at Chip, though they only allow a once-in-life booster, even if you close your account s and sign up again.

Cahoot might well be your best option for now. Don’t be surprised if their rates drop before long