The New Top Easy Access Savings Discussion Area

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.

Bridlington1

DRS1 said:

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.

It would open up a few things to become eligible for the top 10(ish) ithen f I'm not mistaken:

Secure Trust Bank Access Account (Issue 23) 4.2% (£1 min)
Tesco Bank Internet Saver 4.2% (£1 min)
Aldermore Double Access Account (Issue 6) 4.2% (£1k min)
Teachers BS Double Access Savings for Teachers (Issue 1) 4.2% (£100 min)- caveat: Available to teachers (including retired teachers) and other education professionals only

soulsaver

Manchester BS Rainy Day Saver (single access) 4.25% £1min (22/09)

Useful - will relegate all those 4.20%s from the Top10...

..but I'll leave them handy..

Bridlington1

@soulsaver
Santander Edge Saver 6.0 % £4k MAX inc 2.0% 12mth bonus set to go NLA.

Replaced by Issue 4 at the same rate but with a bonus of 2.5% for 12 months.

schiff

I've got a Cahoot SS and a SDS opened recently, so no interest credited yet. What is the routine for monthly interest? Is it the anniversary of account opening or a standard date for everyone?   

nigelholl2

schiff said:

I've got a Cahoot SS and a SDS opened recently, so no interest credited yet. What is the routine for monthly interest? Is it the anniversary of account opening or a standard date for everyone?   

Both are on the anniversary, either monthly or yearly, depends what you selected when you opened the account, mine are usually visible the day after the anniversary