The New Top Easy Access Savings Discussion Area

RunsFromRobots

CuparLad said:

Monument Bank EA Boosted Rate increased to 4.51% (inc 0.74% fixed boost to 01/12/26)

Available to new clients only. Min £25K for rate.

@soulsaver

I downloaded and registered on their app some time ago, but never opened an account (I was about to, but the rate dropped). It seems I'm not eligible as a "new client"...

SFCooper

When does Cahoot pay its monthly interest? My account was opened and paid into on 05/10.

KevinG

SFCooper said:

When does Cahoot pay its monthly interest? My account was opened and paid into on 05/10.

If it's not there today, probably tomorrow.

allegro120

SFCooper said:

When does Cahoot pay its monthly interest? My account was opened and paid into on 05/10.

Your interest should be paid on the 6th.

SnowMan

It has just been announced that Bank Base Rate will be maintained at 4%
https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2025/november-2025

At its meeting ending on 5 November 2025, the Monetary Policy Committee voted by a majority of 5–4 to maintain Bank Rate at 4%. Four members voted to reduce Bank Rate by 0.25 percentage points, to 3.75%.

Next decision Thursday 18th December 2025

CuparLad

As expected, Bailey was the key vote. I think we can likely assume some pre-emptive EA rate cuts in the coming weeks unless the budget calls for a change in thinking.

topyam

CuparLad said:

As expected, Bailey was the key vote. I think we can likely assume some pre-emptive EA rate cuts in the coming weeks unless the budget calls for a change in thinking.

Why cuts if the rate has stayed the same?

CuparLad

A rate cut in December is now more likely than not. Whilst some financial institutions will wait until the rate cut is confirmed before announcing a rate change (which usually has a notice period), some will pre-empt the BoE and announce a rate cut early so it takes place on or around the predicted rate cut. 

happybagger

@soulsaver
West Brom BS have launched Triple Access Saver at 4.48% (var) (now 4.55% effective 10 Nov)
Online from £1
https://www.westbrom.co.uk/savings/easy-access/triple-access-saver-issue-1

"Account year" is to 30 April so you'll get three withdrawals in the 6 months to 30/4/26 then 3 withdrawals to maturity 31/1/27 maintaining the higher rate

DRS1

happybagger said:

@soulsaver
West Brom BS have launched Triple Access Saver at 4.48% (var)
Online from £1
https://www.westbrom.co.uk/savings/easy-access/triple-access-saver-issue-1

"Account year" is to 30 April so you'll get three withdrawals in the 6 months to 30/4/26 then 3 withdrawals to maturity 31/1/27 maintaining the higher rate

So when the entry on page 1 of the No Chat thread says "see trail" what is the trail we are looking for?  Is it @happybagger's post or something else?