The New Top Easy Access Savings Discussion Area

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.

oz0707

Apologies if mentioned recently. Charter isa 63 dropping to 3.9% on 12/12.
They have issue 68 paying 4% but be tempted to move money to different provider. Disappointing as charter as usually there or thereabouts with the top rates. Has been a handy place to park money. I also have the ulster and principality close to the 4.5% mark unless these are due to be dropped soon too. Are the BOE expected to cut rates soon?

SH88SH88

oz0707 said:
Are the BOE expected to cut rates soon?

Last Rate setting meeting resulted in a 5-4 vote in favour of Hold (the 4 votes were in favour of a cut) , so looks like Hold or Cut decision will be finely balanced at the next meeting.

EthicsGradient

A cut to UK interest rates next month is looking a near-certainty after the budget.

The money markets are indicating there’s a greater than 90% chance that the Bank of England lowers base rate by a quarter of one percentage point at its 18 December meeting, down from 4% to 3.75%.

https://www.theguardian.com/business/live/2025/nov/27/uk-fiscal-repair-budget-bond-markets-fiscal-headroom-gambling-companies-rachel-reeves-business-live-updates?CMP=share_btn_url&page=with:block-6928181c8f08f441b0015649#block-6928181c8f08f441b0015649