The New Top Easy Access Savings Discussion Area

ircE

True EA entries are easy access savings accounts which can be opened, and the headline interest rate earned, with a minimum balance of no more than £10. These accounts allow unlimited withdrawals. The table excludes fee-charging accounts, accounts limited to smaller balances, and accounts only available through savings marketplaces. Instant True EA entries are those True EA entries that advertise immediate deposit and withdrawal times 24/7. Highlighted entries show changes to the respective table since last time: blue for new entries, red for rate reductions, green for rate increases.

Starting off with a mea culpa and a thank you to @chris_the_bee for pointing out Kent Reliance @ 4.41% on the last scorecard was actually an Instant True EA. It has since been replaced by a new issue @ 4.33% thus the red entry in the first table but blue entry in the second.

As expected, a lot of rates declining across the scorecard. Of the survivors, Charter had the lowest fall (0.05%), and Snoop the most dramatic (0.30%). Spring and Starling are yet to move at all. Tesco continued its pattern of changing its rate in the lead up to the base rate decision so remains unchanged for now.

* UBL UK also has a 4.18% offering but I go by the order on Moneyfacts Compare, which I believe is alphabetical.

tg99

Hi, is anyone else not receiving notifications for new posts on bookmarked threads? I’ve not had any since 21 August including this one.

gt94sss2

tg99 said:

Hi, is anyone else not receiving notifications for new posts on bookmarked threads? I’ve not had any since 21 August including this one.

https://forums.moneysavingexpert.com/discussion/6625107/not-receiving-email-alerts-and-not-receiving-bell-notifications-when-logged-on-to-forum

dcs34

janusdesign said:

SnowMan said:

Cahoot Simple Saver issue 10 paying 4.55% AER no longer available. Replaced by Cahoot Simple Saver issue 11 paying 4.4% AER.

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

it had to happen eventually - I can report the upgrade option still works as I upgraded my Issue 9 (paying 4.41%) to another Sunny Day Saver (put £3k in) and then opened an Issue 11 (put £1 in) - both are reporting the correct rates on the site and in the app (though they were before funding too).

You refer to an app for Cahoot savings accounts - as far as I can see online (and in the Google Play store) Cahoot don't seem to offer an app?

masonic

dcs34 said:

janusdesign said:

SnowMan said:

Cahoot Simple Saver issue 10 paying 4.55% AER no longer available. Replaced by Cahoot Simple Saver issue 11 paying 4.4% AER.

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

it had to happen eventually - I can report the upgrade option still works as I upgraded my Issue 9 (paying 4.41%) to another Sunny Day Saver (put £3k in) and then opened an Issue 11 (put £1 in) - both are reporting the correct rates on the site and in the app (though they were before funding too).

You refer to an app for Cahoot savings accounts - as far as I can see online (and in the Google Play store) Cahoot don't seem to offer an app?

You can use the Santander app if you log in with your Cahoot details. Albeit not with full functionality.

porcorosso

Whats the best saving account currently then to put 60k in then?
My atom gone down to like 4%

refluxer

porcorosso said:

Whats the best saving account currently then to put 60k in then?
My atom gone down to like 4%

You can find a list of the current best-paying easy access accounts here.

If you don't already have a Chase account, then new customers can currently get a 2.25% boost on a Chase Saver for a year, which works out at 4.75%. The rate tracks the BoE base rate, so will go up and down accordingly. Instant deposits and withdrawals. You need to open a Chase current account first, but you don't have to use it.

JGal

If anyone has any hidden links for accessing Skipton FA accounts (standard or ISA) I'd appreciate them sending. I used one that was in here last year. 

janusd

@soulsaver RCi Bank Freedom Savings dropping from 4.20% to 4.05% AER on 9th September for existing accounts... currently at that rate for new accounts.

Bridlington1

@soulsaver

Chip Instant Access Account drops from 4.84% to 4.32% for new customers (includes 1.58% bonus for 12 months)