The New Top Easy Access Savings Discussion Area

SnowMan

West Brom triple access saver (issue 1) no longer available reducing from 4.55% AER to 4.3% AER (if up to 3 withdrawals made) on 3rd February 2026

West Brom 4 access saver (issues 2 and 3) no longer available reducing from 4.4% AER to 4.15% AER (if up to 4 withdrawals made) on 3rd February 2026

West Brom 4 access saver (issue 4) no longer available reducing from 4.28% AER to 4.15% AER (if up to 4 withdrawals made) on 3rd February 2026

https://www.westbrom.co.uk/-/media/wbbs/files/pdfs/savings-rates/unavailable/8763-03-24-01-interest-rates-for-savings-accounts-leaflet-nata-final.pdf

huw01

Just had an email from Ulster with the rate change, they just to forgot to include the date of the change in the email

flaneurs_lobster

huw01 said:

Just had an email from Ulster with the rate change, they just to forgot to include the date of the change in the email

Which one?

https://www.ulsterbank.co.uk/savings/manage-your-savings/savings-interest-rates-changes.html

huw01

The limited edition saver. So limited they forgot to give the date the rate changes in the email 

soulsaver

I thought 4.50% had 'gone' as their SVR had tracked BoE down at 29/12, but seems relaunched for 'new' newbies:



Chase boost trkr 4.50% inc.newbie-only 1yr bonus AO (29/12) 

"During your first 31 days as a new customer, you can open an easy-access Chase saver with a boosted rate, offering an extra 2.25% AER fixed interest for 12 months, in addition to our standard saver variable rate.

With our standard saver variable rate currently at 2.25% AER (2.23% gross), you'd earn 4.5% AER (4.41% gross) on your savings until your 12 months is up, helping you reach your financial goals sooner."

Offer may be withdrawn at any time. 18+, UK residents. Chase current account required - eligibility applies. Available to new customers joining from 29 December 2025 for your first 31 days. 4.41% gross. 1 boosted saver account per customer. Interest paid monthly. Chase Saver Account T&Cs and Chase Saver with Boosted Rate Five T&Cs apply.

janusd

RCI Bank Freedom Savings Account dropping from 4.00% to 3.85% AER on Tuesday 13th January for existing accounts - looks to have dropped to that rate today for new accounts.

mebu60

soulsaver said:

I thought 4.50% had 'gone' as their SVR had tracked BoE down at 29/12, but seems relaunched for 'new' newbies:



Chase boost trkr 4.50% inc.newbie-only 1yr bonus AO (29/12) 

"During your first 31 days as a new customer, you can open an easy-access Chase saver with a boosted rate, offering an extra 2.25% AER fixed interest for 12 months, in addition to our standard saver variable rate.

With our standard saver variable rate currently at 2.25% AER (2.23% gross), you'd earn 4.5% AER (4.41% gross) on your savings until your 12 months is up, helping you reach your financial goals sooner."

Offer may be withdrawn at any time. 18+, UK residents. Chase current account required - eligibility applies. Available to new customers joining from 29 December 2025 for your first 31 days. 4.41% gross. 1 boosted saver account per customer. Interest paid monthly. Chase Saver Account T&Cs and Chase Saver with Boosted Rate Five T&Cs apply.

@soulsaver

In ToTP No Chat it says:
BoE BR 18/12 down at 3.75% Next MPC meet:02/02/26

Next MPC should read 05/02/26

Warmest wishes for the New Year, huge appreciation for what you do in maintaining ToTP. 

Shedman

huw01 said:

Just had an email from Ulster with the rate change, they just to forgot to include the date of the change in the email

Not had the email yet but looking at the link I see the Limited Saver 1 doesn't reduce until 6 March so that's not too bad (and it is only the 0.25% as well unlike others who have made bigger drops and sooner)

friolento

Zopa boosted saver down to 4.45% as of today.

As I had a fair amount in there, and still have a Cahoot Simple saver that I believe will still be paying 4.55% for at least 2 more months, I have now moved all but £1 from Zopa to Cahoot. 

gt94sss2

friolento said:

Zopa boosted saver down to 4.45% as of today.

As I had a fair amount in there, and still have a Cahoot Simple saver that I believe will still be paying 4.55% for at least 2 more months

I thought that Cahoot had lowered the rate on their Simple Saver accounts to 4.40% from the start of December?