The New Top Easy Access Savings Discussion Area

Bridlington1

@soulsaver
Oxbury EA Bonus Base Rate Trckr 1 4.36% (inc.0.83% v.bonus to 18/10) £1k min  NLA

masonic

dosh37 said:

dosh37 said:

masonic said:

dosh37 said:

The idea of saving to buy a house is a con.

It absolutely is if you have to save cash to the full value of a house before buying. Very few people can save at a rate that would allow them to achieve that in a lifetime.

So what is the answer?

Jump on a rubber boat and move to France?

You either buy a home with a mortgage during your working years, move to a cheap area in retirement, or rent. The notion of the 'housing ladder' is to buy the cheapest you can afford as early as you can in order to lock in some housing equity that will grow with prices. Then work up to the home you really want. I'm not sure what the market is like in France, but some do that yes.

You could already afford to buy multiple houses in the NE, based on what you appear to have saved.

Bridlington1

Just a reminder Principality BS Online Bonus Triple Access (Iss8) trkr 4.45% inc 1st yr bnus (07/08) drops to 4.25% tomorrow

ranciduk

Shawbrook have a new Bonus Easy Access Savings Account 

It pays 4.3% but only for the first six months 

New customers only 

porcorosso

I might just throw my money into bitcoin. Will outperform all these savings accounts

InvesterJones

porcorosso said:

I might just throw my money into bitcoin. Will outperform all these savings accounts

Performance is surely the last reason to be chosing an easy access savings account? Once you've got all the other advantages of such an account, then sure, we like to eke out small gains because this is money saving. But if you need an easy access savings account, bitcoin is not going to help you. 

SnowMan

It has just been announced that Bank Base Rate will remain at 4%
https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2025/september-2025
At its meeting ending on 17 September 2025, the MPC voted by a majority of 7–2 to maintain Bank Rate at 4%. Two members voted to reduce Bank Rate by 0.25 percentage points, to 3.75%. The Committee voted by a majority of 7–2 to reduce the stock of UK government bond purchases held for monetary policy purposes, and financed by the issuance of central bank reserves, by £70 billion over the next 12 months, to a total of £488 billion.
Next decision Thursday 6th November 2025

mebu60

ranciduk said:

Shawbrook have a new Bonus Easy Access Savings Account 

It pays 4.3% but only for the first six months 

New customers only 

Then plummets to 1.50%! 

They still describe the derisory 3.3% on offer for their non-new customer EA account as 'competitive'. 

Bridlington1

@soulsaver

Charter Savings Bank Iss 64 4.26% NLA, replaced by issue 65 at 4.19%

Penrith BS Limited Access E-Saver Issue 2 at 4.21% enters the top 10 if I'm not mistaken.

DRS1

Bridlington1 said:

@soulsaver

Charter Savings Bank Iss 64 4.26% NLA, replaced by issue 65 at 4.19%

Penrith BS Limited Access E-Saver Issue 2 at 4.21% enters the top 10 if I'm not mistaken.

Something else must be in the top 10 as well.  Just looked at it and Principality is in at 3 and 9 with the same account.