The New Top Easy Access Savings Discussion Area

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

Bridlington1

@soulsaver
Vanquis Triple Access Saver (Issue 3) (`tri') £1k min 4.25%

Bridlington1

For those who still hold the Newcastle BS Base Rate Tracker (Issue 1) that tracks 0.7% below the base rate. I've just had this email from them. It seems it'll track 0.7% below the base rate for the foreseeable future:

Dear Bridlington1,

The terms of your Newcastle Base Rate Tracker (Issue 1) are due to end on 31st December 2025 and we are contacting you to let you know about the maturity of your account.

We are removing the maturity date of your account
 

The product specific terms and conditions of your Newcastle Base Rate Tracker (Issue 1) state that the Base Rate guarantee on this product expires on 31st December 2025. After this point, the product will be a variable rate which no longer tracks the Bank of England Base Rate. We are making a change to your terms and conditions to remove this term from the account.

This means on 31st December 2025 your funds will remain in the Newcastle Base Rate Tracker (Issue 1). The account currently pays a rate of 3.30% gross pa*/AER** variable (annual interest) and the interest rate is guaranteed to not fall below the Bank of England Base Rate less 0.70%. Withdrawals/transfers can be made penalty free without notice.

What happens next?
You don’t need to do anything. Your account will continue as normal; please accept this email as notification of an amendment to your terms and conditions. The new terms and conditions of your account are attached below.

Your savings options
I’d like to thank you for continuing to save with Newcastle Building Society. We would encourage you to consider whether this savings account continues to meet your needs. If this is not the case, we have a range of savings accounts available to you or you may wish to consider alternative accounts offered by other banks or building societies.

 

If you have any queries about this change or if you’d like to review your savings options, please get in touch on 0345 734 4345#, visit www.newcastle.co.uk/savings or pop into your local branch.

Alternatively, you may be considering investing your money over a longer period. Whether you are considering what to do with your maturing money or have other holdings you may wish to review, a Newcastle Financial Adviser could help your money work harder. Newcastle Building Society introduces to Newcastle Financial Advisers Limited for any advice you may need on investments

If you would like to talk to us about your options in more detail please call us on 0345 734 4345#, where our friendly staff will be happy to help you review your savings and investment needs.
 
Yours sincerely,

I know the rate's not competitive these days but I kept hold of it with £1 for ``membership" purposes.

BreakingGlass

Bridlington1 said:

For those who still hold the Newcastle BS Base Rate Tracker (Issue 1) that tracks 0.7% below the base rate. I've just had this email from them. It seems it'll track 0.7% below the base rate for the foreseeable future:

Dear Bridlington1,

The terms of your Newcastle Base Rate Tracker (Issue 1) are due to end on 31st December 2025 and we are contacting you to let you know about the maturity of your account.

We are removing the maturity date of your account
 

The product specific terms and conditions of your Newcastle Base Rate Tracker (Issue 1) state that the Base Rate guarantee on this product expires on 31st December 2025. After this point, the product will be a variable rate which no longer tracks the Bank of England Base Rate. We are making a change to your terms and conditions to remove this term from the account.

This means on 31st December 2025 your funds will remain in the Newcastle Base Rate Tracker (Issue 1). The account currently pays a rate of 3.30% gross pa*/AER** variable (annual interest) and the interest rate is guaranteed to not fall below the Bank of England Base Rate less 0.70%. Withdrawals/transfers can be made penalty free without notice.

What happens next?
You don’t need to do anything. Your account will continue as normal; please accept this email as notification of an amendment to your terms and conditions. The new terms and conditions of your account are attached below.

Your savings options
I’d like to thank you for continuing to save with Newcastle Building Society. We would encourage you to consider whether this savings account continues to meet your needs. If this is not the case, we have a range of savings accounts available to you or you may wish to consider alternative accounts offered by other banks or building societies.

 

If you have any queries about this change or if you’d like to review your savings options, please get in touch on 0345 734 4345#, visit www.newcastle.co.uk/savings or pop into your local branch.

Alternatively, you may be considering investing your money over a longer period. Whether you are considering what to do with your maturing money or have other holdings you may wish to review, a Newcastle Financial Adviser could help your money work harder. Newcastle Building Society introduces to Newcastle Financial Advisers Limited for any advice you may need on investments

If you would like to talk to us about your options in more detail please call us on 0345 734 4345#, where our friendly staff will be happy to help you review your savings and investment needs.
 
Yours sincerely,

I know the rate's not competitive these days but I kept hold of it with £1 for ``membership" purposes.

Me too, and I have had 3p interest so far this financial year!

mebu60

Talking of Newcastle BS and not being competitive, the Six Month Variable Saver Issue 1 4.15% matures on 15:12. Issue 3 4.15% maturing 10:06:26 can only be opened in branch.

The Issue 1 rolls into a 'loyalty saver', presumably the 3.25% account. There's a double access at 3.55%. Might open the RS Issue 1 5.25% variable for 12 months and leave my £1 + interest in there for ongoing membership purposes (the Festive RS 6.5% variable for 12 months is also branch only). 

allegro120

Bridlington1 said:

For those who still hold the Newcastle BS Base Rate Tracker (Issue 1) that tracks 0.7% below the base rate. I've just had this email from them. It seems it'll track 0.7% below the base rate for the foreseeable future:

Dear Bridlington1,

The terms of your Newcastle Base Rate Tracker (Issue 1) are due to end on 31st December 2025 and we are contacting you to let you know about the maturity of your account.

We are removing the maturity date of your account
 

The product specific terms and conditions of your Newcastle Base Rate Tracker (Issue 1) state that the Base Rate guarantee on this product expires on 31st December 2025. After this point, the product will be a variable rate which no longer tracks the Bank of England Base Rate. We are making a change to your terms and conditions to remove this term from the account.

This means on 31st December 2025 your funds will remain in the Newcastle Base Rate Tracker (Issue 1). The account currently pays a rate of 3.30% gross pa*/AER** variable (annual interest) and the interest rate is guaranteed to not fall below the Bank of England Base Rate less 0.70%. Withdrawals/transfers can be made penalty free without notice.

What happens next?
You don’t need to do anything. Your account will continue as normal; please accept this email as notification of an amendment to your terms and conditions. The new terms and conditions of your account are attached below.

Your savings options
I’d like to thank you for continuing to save with Newcastle Building Society. We would encourage you to consider whether this savings account continues to meet your needs. If this is not the case, we have a range of savings accounts available to you or you may wish to consider alternative accounts offered by other banks or building societies.

 

If you have any queries about this change or if you’d like to review your savings options, please get in touch on 0345 734 4345#, visit www.newcastle.co.uk/savings or pop into your local branch.

Alternatively, you may be considering investing your money over a longer period. Whether you are considering what to do with your maturing money or have other holdings you may wish to review, a Newcastle Financial Adviser could help your money work harder. Newcastle Building Society introduces to Newcastle Financial Advisers Limited for any advice you may need on investments

If you would like to talk to us about your options in more detail please call us on 0345 734 4345#, where our friendly staff will be happy to help you review your savings and investment needs.
 
Yours sincerely,

I know the rate's not competitive these days but I kept hold of it with £1 for ``membership" purposes.

The same here. This is my permanent Newcastle membership account, I tend to keep one of these in most BSs.  £1 earned me 11p so far. 

BooJewels

allegro120 said:

Bridlington1 said:

For those who still hold the Newcastle BS Base Rate Tracker (Issue 1) that tracks 0.7% below the base rate. I've just had this email from them. It seems it'll track 0.7% below the base rate for the foreseeable future:

Dear Bridlington1,

The terms of your Newcastle Base Rate Tracker (Issue 1) are due to end on 31st December 2025 and we are contacting you to let you know about the maturity of your account.

We are removing the maturity date of your account
 

The product specific terms and conditions of your Newcastle Base Rate Tracker (Issue 1) state that the Base Rate guarantee on this product expires on 31st December 2025. After this point, the product will be a variable rate which no longer tracks the Bank of England Base Rate. We are making a change to your terms and conditions to remove this term from the account.

This means on 31st December 2025 your funds will remain in the Newcastle Base Rate Tracker (Issue 1). The account currently pays a rate of 3.30% gross pa*/AER** variable (annual interest) and the interest rate is guaranteed to not fall below the Bank of England Base Rate less 0.70%. Withdrawals/transfers can be made penalty free without notice.

What happens next?
You don’t need to do anything. Your account will continue as normal; please accept this email as notification of an amendment to your terms and conditions. The new terms and conditions of your account are attached below.

Your savings options
I’d like to thank you for continuing to save with Newcastle Building Society. We would encourage you to consider whether this savings account continues to meet your needs. If this is not the case, we have a range of savings accounts available to you or you may wish to consider alternative accounts offered by other banks or building societies.

 

If you have any queries about this change or if you’d like to review your savings options, please get in touch on 0345 734 4345#, visit www.newcastle.co.uk/savings or pop into your local branch.

Alternatively, you may be considering investing your money over a longer period. Whether you are considering what to do with your maturing money or have other holdings you may wish to review, a Newcastle Financial Adviser could help your money work harder. Newcastle Building Society introduces to Newcastle Financial Advisers Limited for any advice you may need on investments

If you would like to talk to us about your options in more detail please call us on 0345 734 4345#, where our friendly staff will be happy to help you review your savings and investment needs.
 
Yours sincerely,

I know the rate's not competitive these days but I kept hold of it with £1 for ``membership" purposes.

The same here. This is my permanent Newcastle membership account, I tend to keep one of these in most BSs.  £1 earned me 11p so far. 

Don't go wasting it all on sweets and comics! 

s71hj

BooJewels said:

allegro120 said:

Bridlington1 said:

For those who still hold the Newcastle BS Base Rate Tracker (Issue 1) that tracks 0.7% below the base rate. I've just had this email from them. It seems it'll track 0.7% below the base rate for the foreseeable future:

Dear Bridlington1,

The terms of your Newcastle Base Rate Tracker (Issue 1) are due to end on 31st December 2025 and we are contacting you to let you know about the maturity of your account.

We are removing the maturity date of your account
 

The product specific terms and conditions of your Newcastle Base Rate Tracker (Issue 1) state that the Base Rate guarantee on this product expires on 31st December 2025. After this point, the product will be a variable rate which no longer tracks the Bank of England Base Rate. We are making a change to your terms and conditions to remove this term from the account.

This means on 31st December 2025 your funds will remain in the Newcastle Base Rate Tracker (Issue 1). The account currently pays a rate of 3.30% gross pa*/AER** variable (annual interest) and the interest rate is guaranteed to not fall below the Bank of England Base Rate less 0.70%. Withdrawals/transfers can be made penalty free without notice.

What happens next?
You don’t need to do anything. Your account will continue as normal; please accept this email as notification of an amendment to your terms and conditions. The new terms and conditions of your account are attached below.

Your savings options
I’d like to thank you for continuing to save with Newcastle Building Society. We would encourage you to consider whether this savings account continues to meet your needs. If this is not the case, we have a range of savings accounts available to you or you may wish to consider alternative accounts offered by other banks or building societies.

 

If you have any queries about this change or if you’d like to review your savings options, please get in touch on 0345 734 4345#, visit www.newcastle.co.uk/savings or pop into your local branch.

Alternatively, you may be considering investing your money over a longer period. Whether you are considering what to do with your maturing money or have other holdings you may wish to review, a Newcastle Financial Adviser could help your money work harder. Newcastle Building Society introduces to Newcastle Financial Advisers Limited for any advice you may need on investments

If you would like to talk to us about your options in more detail please call us on 0345 734 4345#, where our friendly staff will be happy to help you review your savings and investment needs.
 
Yours sincerely,

I know the rate's not competitive these days but I kept hold of it with £1 for ``membership" purposes.

The same here. This is my permanent Newcastle membership account, I tend to keep one of these in most BSs.  £1 earned me 11p so far. 

Don't go wasting it all on sweets and comics! 

I'm old enough to remember the penny chew!!