The New Top Easy Access Savings Discussion Area

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)
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?

happybagger

I don't know what "trail" means, I only would rely on the t+c's at the link provided.

EthicsGradient

DRS1 said:

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?

I think soulsaver means "see the West Brom 'trail' at the link in this sentence".

DRS1

EthicsGradient said:

DRS1 said:

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?

I think soulsaver means "see the West Brom 'trail' at the link in this sentence".

Sorry I am being slow - the only link in the sentence is to the West Brom page for the account.  But you have the same link in entries which don't mention a trail.

intalex

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

Anyone know if the monthly interest option defaults to monthiversary of account opening (or first deposit) or whether it has standard payout dates like first (or last) of the month? Also, can interest be paid out to nominated account? Thanks in advance!