The New Top Easy Access Savings Discussion Area

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!

EthicsGradient

DRS1 said:

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.

I take "trail" here to mean "the initial marketing page you get to at the West Brom URL". Like a trailer for a film.

DRS1

EthicsGradient said:

DRS1 said:

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.

I take "trail" here to mean "the initial marketing page you get to at the West Brom URL". Like a trailer for a film.

OK Thanks.  For some reason I was expecting something else.

Silverbullet036

intalex said:

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!

Monument in my experience always pay interest on the 1st of the month and I have always had the option of paying to nominated account

soulsaver

DRS1 said:

EthicsGradient said:

DRS1 said:

EthicsGradient said:

DRS1 said:

happybagger said:

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.

I take "trail" here to mean "the initial marketing page you get to at the West Brom URL". Like a trailer for a film.

OK Thanks.  For some reason I was expecting something else.

I try to keep the ToTP rankings uncluttered - one liners - so detail in the actual ranking is limited. 

The ranking entries and/or alterations are almost always triggered by a Post.

Collectively, these Posts form 'the Trail'

If  'See Trail' is beside an entry in the rankings, there maybe additional useful info to consider  - look for the Post that triggered the entry - it'll always be (very near) the same date as the entry.

That Post will include additional info/links that aren't encapsulated within in the one liner ranking entry. 

I hope that clarifies things.

Ed

SloughSally

CuparLad said:

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. 

Unless CPI increases or stays the same on November 19th

janusd

according to Moneyfacts, Mansfield BS Triple Access Bonus Saver (1st Issue) @ 4.25% is launching on Monday 10th November.

includes 1.00% bonus for the first year, £1 to open - but looks to be branch/post opening only.

not one for the top 10 of @soulsaver (rate and access/opening method), but worth mentioning here in case someone wants a foothold in Mansfield BS.

danthemoneysavingman

cahoot: well worth avoiding

[[ADDENDUM: £25 cashback however through TopCashBack atm well worth it! probably]]

Thought i'd add this from my recent experience in case anyone foolish enough to consider cahoot for savings.

first, they are not part of the Faster Payments service, so you're looking at a couple of days for deposits to show up.
If indeed they show up at all because i got informed of some kind of "problem" after a couple of days. Cannot imagine what that problem would have been. I was just grateful to get my money back a week sooner than I expected.

Second, (and i used to work for them 25 years ago), the website has not been updated in 25 years by the look and feel of it. Which is annoying as the world has moved on a lot since then.
Very much like my experience of opening a "first direct" account, which they're always singing about on here - website not updated in nearly 30 years, clunky, non-user-friendly - and I din't even get a good call centre experience as it is all automated with delays in it nowadays, it seems.

Anyways, my recent user experiences over, maybe it will help someone. probably lost in this thread but hey ho!

Byeeeee!