The New Top Easy Access Savings Discussion Area

Bridlington1

ircE said:

True EA accounts are those that can be opened and maintained from £1 and allow unlimited deposits and withdrawals. True Instant EA accounts are those True EA accounts that advertise immediate transfer times (usually minutes) 24/7. Green highlights are increases in interest rates since last time, red highlights show declines in interest rates, and blue highlights are new entries to the respective table.

Since last time, Chase's rise up the ranks is the biggest story. It was already a top 10 instant account, now it's by far the leader (for now). 

MPC meeting next week.

@ircE
First of all thanks for maintaining your lists, they make for interesting reading.

Apologies if you've already explored this but would the iFAST Global Bank Multi-Currency Account at 4.25% qualify for inclusion in the true instant EA list? I haven't used them myself yet so can't verify with first hand experience but from their website at first glance it looks as though withdrawals may be instant and 24/7 and thus eligible for inclusion?

I've noticed they're also offering a £5 refer-a-friend offer if the referee deposits £500+ in the account for 3 months+ so will probably hold off opening the account myself until when/if the refer-a-friend offer improves slightly.

dgpur

ircE 

MPC meeting next week.

Nothing is going to happen before 4 July, for obvious reasons.

wiseonesomeofthetime

dgpur said:

ircE 

MPC meeting next week.

Nothing is going to happen before 4 July, for obvious reasons.

I am pretty sure that there is still going to be a meeting though. They wouldn't want to miss out on the free coffee and biscuits, surely

ircE

Bridlington1 said:

First of all thanks for maintaining your lists, they make for interesting reading.

Apologies if you've already explored this but would the iFAST Global Bank Multi-Currency Account at 4.25% qualify for inclusion in the true instant EA list? I haven't used them myself yet so can't verify with first hand experience but from their website at first glance it looks as though withdrawals may be instant and 24/7 and thus eligible for inclusion?

I've noticed they're also offering a £5 refer-a-friend offer if the referee deposits £500+ in the account for 3 months+ so will probably hold off opening the account myself until when/if the refer-a-friend offer improves slightly.

Thanks @Bridlington1 - I have mentioned them before in the General Discussion thread, only reason I haven't included them is that I don't think payments are processed instantly. According to the version of Ts and Cs I found, payments can in fact take up to 5 working days! They may feature on the True EA list in the future.

Aidanmc

Just received an email from Cynergy saying interest rate on my Issue 68 will drop to 5% from 4th July

EthicsGradient

So I think Cynergy emails for Issue 68 have been:
received 4th June, dropping 27th June, 23 days later
received 13th June, dropping 1st July, 18 days later
received 17th June, dropping 4th July, 17 days later
They seem to still be obeying the "14 days notice" from the Ts&Cs. Very odd that the precise number of days notice hasn't been constant, as well as the date it will happen. I speculated that it could be influenced by when the account was opened (though the same numbers  couldn't apply to Issue 69, which would all have been later). But I can see that those with an early date will feel hard done by.

CuparLad

EthicsGradient said:

...But I can see that those with an early date will feel hard done by.

Maybe they heard. I got an eMail this afternoon saying the drop to 5% for me would be delayed from 27th June to 4th July.

Bridlington1

@soulsaver
Secure Trust EA 4.90% NLA, replaced by version at 4.7%

pokemaster

https://becleverwithyourcash.com/barclays-adds-free-apple-tv-ditches-5-reward/

Guess we now know what the Barclay's staff member was hinting at to me the other week

Wheres_My_Cashback

pokemaster said:

https://becleverwithyourcash.com/barclays-adds-free-apple-tv-ditches-5-reward/

Guess we now know what the Barclay's staff member was hinting at to me the other week

So effectively pay £60 per year to get 'Free' Apple TV which is pretty rubbish TBH and access to The Rainy Day Saver at 5.12% AER will go if you cancel Blue Rewards.
Come Aug/Sept (or even now) it will be time to ditch Barclays in full.