The New Top Easy Access Savings Discussion Area

ccluedo

ircE said:

True EA entries are easy access savings accounts that can be opened, and the headline interest rate earned, with a minimum balance of no more than £10. These accounts allow unlimited withdrawals. The table includes accounts that have time-limited bonus rates and accounts restricted to new customers only. The table excludes fee-charging accounts, accounts limited to smaller balances, and accounts only available via savings marketplaces. Instant True EA entries are those True EA entries which advertise immediate deposit and withdrawal times 24/7. Highlighted entries show changes since last time: blue for new entries, green for rate increases, red for rate reductions in the respective table.

LHV (1) indicates the savings account, different to the current account (2). Despite KR and Charter's rate increases, Tesco's decision to drop its rate usually portends a BR cut.

Next BR decision day is next Thursday 18th.

This is the last scorecard of the year - and possibly ever. I'm trying to take a break from this stuff at least over the holidays, possibly into next year as well, not sure yet. Merry Christmas.

I have found these posts most helpful over the piece @ircE so thank you very much and Merry Christmas to you too! 

Bridlington1

ircE said:

True EA entries are easy access savings accounts that can be opened, and the headline interest rate earned, with a minimum balance of no more than £10. These accounts allow unlimited withdrawals. The table includes accounts that have time-limited bonus rates and accounts restricted to new customers only. The table excludes fee-charging accounts, accounts limited to smaller balances, and accounts only available via savings marketplaces. Instant True EA entries are those True EA entries which advertise immediate deposit and withdrawal times 24/7. Highlighted entries show changes since last time: blue for new entries, green for rate increases, red for rate reductions in the respective table.

LHV (1) indicates the savings account, different to the current account (2). Despite KR and Charter's rate increases, Tesco's decision to drop its rate usually portends a BR cut.

Next BR decision day is next Thursday 18th.

This is the last scorecard of the year - and possibly ever. I'm trying to take a break from this stuff at least over the holidays, possibly into next year as well, not sure yet. Merry Christmas.

Well regardless of whether you do another scorecard in the future or not, they've certainly been of value to myself and many others so thank you for providing them.

A fact largely unknown is that a variation of these tables is ultimately the main factor that determines the thresholds I use on The Top Regular Savers Discussion Thread, so your work has had an impact that goes beyond the world of easy access accounts.

Malchester

ircE said:

True EA entries are easy access savings accounts that can be opened, and the headline interest rate earned, with a minimum balance of no more than £10. These accounts allow unlimited withdrawals. The table includes accounts that have time-limited bonus rates and accounts restricted to new customers only. The table excludes fee-charging accounts, accounts limited to smaller balances, and accounts only available via savings marketplaces. Instant True EA entries are those True EA entries which advertise immediate deposit and withdrawal times 24/7. Highlighted entries show changes since last time: blue for new entries, green for rate increases, red for rate reductions in the respective table.

LHV (1) indicates the savings account, different to the current account (2). Despite KR and Charter's rate increases, Tesco's decision to drop its rate usually portends a BR cut.

Next BR decision day is next Thursday 18th.

This is the last scorecard of the year - and possibly ever. I'm trying to take a break from this stuff at least over the holidays, possibly into next year as well, not sure yet. Merry Christmas.

Thanks so much for the great work and effort you have put in to these tables. It is greatly appreciated. It will be missed if you stop but you have to do what is right for you. Thanks again.

ToastLady

ircE said:

True EA entries are easy access savings accounts that can be opened, and the headline interest rate earned, with a minimum balance of no more than £10. These accounts allow unlimited withdrawals. The table includes accounts that have time-limited bonus rates and accounts restricted to new customers only. The table excludes fee-charging accounts, accounts limited to smaller balances, and accounts only available via savings marketplaces. Instant True EA entries are those True EA entries which advertise immediate deposit and withdrawal times 24/7. Highlighted entries show changes since last time: blue for new entries, green for rate increases, red for rate reductions in the respective table.

LHV (1) indicates the savings account, different to the current account (2). Despite KR and Charter's rate increases, Tesco's decision to drop its rate usually portends a BR cut.

Next BR decision day is next Thursday 18th.

This is the last scorecard of the year - and possibly ever. I'm trying to take a break from this stuff at least over the holidays, possibly into next year as well, not sure yet. Merry Christmas.

Thank you @ircE. Another one who really appreciates your hard work in making up these tables, which have been so useful to me and many others. Obviously you and your family life come first, so you must do whatever is best for you. Hope that you have a great Christmas.

UKX69

ircE said:

True EA entries are easy access savings accounts that can be opened, and the headline interest rate earned, with a minimum balance of no more than £10. These accounts allow unlimited withdrawals. The table includes accounts that have time-limited bonus rates and accounts restricted to new customers only. The table excludes fee-charging accounts, accounts limited to smaller balances, and accounts only available via savings marketplaces. Instant True EA entries are those True EA entries which advertise immediate deposit and withdrawal times 24/7. Highlighted entries show changes since last time: blue for new entries, green for rate increases, red for rate reductions in the respective table.

LHV (1) indicates the savings account, different to the current account (2). Despite KR and Charter's rate increases, Tesco's decision to drop its rate usually portends a BR cut.

Next BR decision day is next Thursday 18th.

This is the last scorecard of the year - and possibly ever. I'm trying to take a break from this stuff at least over the holidays, possibly into next year as well, not sure yet. Merry Christmas.

Thank you ircE for your tables throughout the year, they have been a great source for investigating potential feeding accounts. Best wishes.

soulsaver

jpsman said:

. @soulsaver
Skipton Bonus Saver issue 15 
Annual interest only

4.00% AER variable for first 12 months, then drops by 1.7%
https://www.skipton.co.uk/savings/easy-access/bonus-saver

Thanks, however it doesn't make the ToTP rankings - there's a few others in between this and the bottom ranked - nevertheless info appreciated

SH88SH88

Kent Rel

Is the 'new' Kent Rel platform still almost instantaneous (for incoming and outgoing payments) even on weekends/ Bank Hols ? or is there a noticeable slowdown  ?

Malchester

SH88SH88 said:

Kent Rel

Is the 'new' Kent Rel platform still almost instantaneous (for incoming and outgoing payments) even on weekends/ Bank Hols ? or is there a noticeable slowdown  ?

Yes. No slowdown in my experience.

SH88SH88

Looks like Kent Rel EA Issue 9 (@ 4.17%) is no longer on their website... however Issue 10 (@ 4.00%) seems to be the replacement...

SnowMan

It has just been announced that Bank Base Rate will be reduced to 3.75% from 4%

https://www.bankofengland.co.uk/monetary-policy-summary-and-minutes/2025/december-2025

At its meeting ending on 17 December 2025, the Monetary Policy Committee voted by a majority of 5–4 to reduce Bank Rate by 0.25 percentage points, to 3.75%. Four members voted to maintain Bank Rate at 4%.

Next decision: Thursday 5th February 2026