The New Top Easy Access Savings Discussion Area

Bridlington1

@soulsaver

Sorry to be the bearer of bad news again:

AA EA Members Saver  4.30% Incl. 1st year bonus  reducing to 4.05% from 6/1/26
Vanquis Triple Access Saver (Issue 3) (`tri') £1k min 4.25% NLA, replaced by issue 4 at 4.08%
AA Easy Access Savings 4.20%  Incl. 1st year bonus reduces to 3.95% from 6/1/26

If I'm not mistaken this'll pull the following into the top 10:
Newcastle BS 6 Month Variable Saver (Issue 3) at 4.15% till 10/6/26 £1 min
Family BS Market Tracker Saver at 4.14%
Vida Savings Defined Access Issue 3 4.11% £10 min `quad'
Spring Easy Saver 4.11% £10 min

happybagger

Bridlington1 said:

@soulsaver

Sorry to be the bearer of bad news again:

AA EA Members Saver  4.30% Incl. 1st year bonus  reducing to 4.05% from 6/1/26
Vanquis Triple Access Saver (Issue 3) (`tri') £1k min 4.25% NLA, replaced by issue 4 at 4.08%
AA Easy Access Savings 4.20%  Incl. 1st year bonus reduces to 3.95% from 6/1/26

If I'm not mistaken this'll pull the following into the top 10:
Newcastle BS 6 Month Variable Saver (Issue 3) at 4.15% till 10/6/26 £1 min
Family BS Market Tracker Saver at 4.14%
Vida Savings Defined Access Issue 3 4.11% £10 min `quad'
Spring Easy Saver 4.11% £10 min

Family BS Market Tracker Saver goes to 3.98% on 1/1/26
source: email and here
also for info @soulsaver as per your post in the no chat thread

hoppy2

looks like Cahoot is the favourite then for now, or have I missed something?

Bridlington1

hoppy2 said:

looks like Cahoot is the favourite then for now, or have I missed something?

Looks like it if you exclude the Santander Edge Saver at 6% (£4k max).

Cahoot's Ts&Cs also state that they have to give a rather generous notice period of 2 months if they decide to reduce the rate so they're guaranteed to still be paying that rate till at least February. Same goes for Santander.

Malchester

Anyone with Ulster Limited Saver 4.5% should hold on as not reducing till 6 March and then to 4.25% which is still a good rate. But it is NLA

SaveTheEuro

Malchester said:

Anyone with Ulster Limited Saver 4.5% should hold on as not reducing till 6 March and then to 4.25% which is still a good rate. But it is NLA

Yep, the Ulster Limited Saver will be even better than Zopa's Smart Saver (dropping to 4.45% on 2 January 2026) for the period from 2 January to 6 March.

Bridlington1

Malchester said:

Anyone with Ulster Limited Saver 4.5% should hold on as not reducing till 6 March and then to 4.25% which is still a good rate. But it is NLA

Mine sits there with 1p. I could rescue the penny if I wanted to but I've found that if you make a faster payment into the current account when you've got the app or online banking open the available balance doesn't update till you've logged out of the app and back in again but if you make a 1p transfer from the savings account to the current account it updates itself.

poppystar

Aldermore Double Access changes: A summary of the changes.

Double Access Account Issue 6 Previous Rate  Rate effective from  2 January 2026 Gross annual interest rate/AER* 4.20% 3.85% Gross monthly  interest rate 4.12% 3.78%

JamesRobinson48

Principality O/L Tri Access Iss8 4.25% variable: NLA, 20/12

No sign of any direct replacement yet. 

@soulsaver

Bridlington1

JamesRobinson48 said:

Principality O/L Tri Access Iss8 4.25% variable: NLA, 20/12

No sign of any direct replacement yet. 

@soulsaver

@soulsaver

If I'm not mistaken this pulls the following into the top 10:

Vida Savings Defined Access Issue 3 4.11% £10 min `quad'
Spring Easy Saver 4.11% £10 min

It's been quite a busy few days really hasn't it?