The New Top Easy Access Savings Discussion Area

BooJewels

You do get an email about rate changes - which in turn direct you to the details in the e-document in your account.

Cahoot have the advantage of giving 60 days notice of downward rate changes - that in itself can be problematic, in that it's easy to forget by the time it happens.  I got the email this time in early September when I was on holiday and forgot about it until it was mentioned here.

jak22

Charter EA Iss 62 NLA dropping to 4.0% AER 3.93% Monthly (from 4.36% AER) 12/12/25

refluxer

jak22 said:

Charter EA Iss 62 NLA dropping to 4.0% AER 3.93% Monthly (from 4.36% AER) 12/12/25

Issue 59 is also dropping from 4.37% (4.46% AER) down to 3.93% (4.00% AER), so it looks like they're bringing certain recent issues in-line with their current offering (issue 68).

Kim_13

intalex said:

I'm surprised people still have money in the Skipton Base Rate Tracker, the rate was superceded by their Bonus Saver (after £5k in a Members Bonus Saver), I just got intrigued by the relevance of a maturity date from recent postings but a surprise to see many still leaving funds therein...

I left mine open with £1 in, but closed it today as it would have matured on the 5th. I could put it in a Regular Saver this month but expect to fill them next month. I only completely close a BRT when one with a superior adjustment appears, with an expiry later than the previous one.

I tend not to chase EA rates as they are just holding accounts for Regular Saver funds by and large. If there is not another Member Bonus Saver or BRT by the time Issue 2 matures in June, my Family BS Market Tracker will do (only 12 of 20 allowed withdrawals needed to feed Regular Savers.)

savethepandas

refluxer said:

jak22 said:

Charter EA Iss 62 NLA dropping to 4.0% AER 3.93% Monthly (from 4.36% AER) 12/12/25

Issue 59 is also dropping from 4.37% (4.46% AER) down to 3.93% (4.00% AER), so it looks like they're bringing certain recent issues in-line with their current offering (issue 68).

Issue 58 from 4.24% to 3.9% on 12/12/25

dosh37

SH88SH88 said:

mon3ysav3r said:

jak22 said:

Kent Reliance EA Issue 1 (new system) NLA down to 4.0% AER 3.93% monthly from 11/12/25

Also Issue 2 is reducing, Kent Reliance “New System” Easy Access Saver Issue 2 – reduces same day 11/12/25 - 4.33% to 3.95% / 4.25% to 3.88%, which as others have pointed out will make the issue 2 slightly better than the issue 1, but not as good as the Kent Reliance "Old System" D83 Easy Access Account MI (Issue 83) - NLA at 4.41%/4.30% (or Old Issues 76, 78, 79 at 4.30%)

The KR EA Saver Issue 107 MI (which I think was also known as D82 MI) is dropping from 4.37/4.46 to 3.93/4.00 on 11-12-2025. Quite annoying as one of the better paying Cahoots also drops on or around 2-12-25.

p.s. is it just me or do Kent Rel seem to have the most convoluted and least intuitive account-naming convention ever ?

I have KR EA Iss 83. The rate is falling from 4.41% to 4% on 11th Dec.

When I looked on the KR website today, EA Iss 9 is offering 4.17%.

Should I open a new Iss 9 account in December and transfer?

Bobblehat

dosh37 said:

SH88SH88 said:

mon3ysav3r said:

jak22 said:

Kent Reliance EA Issue 1 (new system) NLA down to 4.0% AER 3.93% monthly from 11/12/25

Also Issue 2 is reducing, Kent Reliance “New System” Easy Access Saver Issue 2 – reduces same day 11/12/25 - 4.33% to 3.95% / 4.25% to 3.88%, which as others have pointed out will make the issue 2 slightly better than the issue 1, but not as good as the Kent Reliance "Old System" D83 Easy Access Account MI (Issue 83) - NLA at 4.41%/4.30% (or Old Issues 76, 78, 79 at 4.30%)

The KR EA Saver Issue 107 MI (which I think was also known as D82 MI) is dropping from 4.37/4.46 to 3.93/4.00 on 11-12-2025. Quite annoying as one of the better paying Cahoots also drops on or around 2-12-25.

p.s. is it just me or do Kent Rel seem to have the most convoluted and least intuitive account-naming convention ever ?

I have KR EA Iss 83. The rate is falling from 4.41% to 4% on 11th Dec.

When I looked on the KR website today, EA Iss 9 is offering 4.17%.

Should I open a new Iss 9 account in December and transfer?

That's increased from the 27th when I reported that the then current offering of 4.09%/4.02% was also higher than the issue 83 dropped rates!

I'm not bothering chasing the rates with only £1 in, as a holding account for when other KR accounts mature.

jak22

The low number KR issues are on the new system, which is a different log-in and each doesn't seem to list the accounts held in the other, but the new system is where new accounts will be opened, and where old accounts will migrate to, but most importantly operates with true instant transfers. Even with a holding account it's still worth having their best rate - sometimes accounts suddenly become useful when others fall. 

Bobblehat

jak22 said:

The low number KR issues are on the new system, which is a different log-in and each doesn't seem to list the accounts held in the other, but the new system is where new accounts will be opened, and where old accounts will migrate to, but most importantly operates with true instant transfers. Even with a holding account it's still worth having their best rate - sometimes accounts suddenly become useful when others fall. 

I got the 4.09%/4.02% off their website on 27th. The 4.17%/4.09% is what they are currently showing on the website, so the comparison is still valid against the Iss 83 drop (edit: or others).

The £1 holding amount and the fact that the new rate will be my 10th from top rate of other EAs I hold means I am just not really incentivised to bother upgrading at this point. YMMV.

StayinAlive

dosh37 said:

I have KR EA Iss 83. The rate is falling from 4.41% to 4% on 11th Dec.

When I looked on the KR website today, EA Iss 9 is offering 4.17%.

Should I open a new Iss 9 account in December and transfer?

One reason to do that is the new Iss 9 has a minimum balance of £1 whereas the old Iss 83 has a minmum of £1000 (to keep the headline rate).

However, it's a bit of a faff as you have to withdraw your funds from your existing Iss 83 to your nominated bank account and then resend to the new Iss 9.