The New Top Easy Access Savings Discussion Area

ColdIron

wiseonesomeofthetime said:

ColdIron said:

intalex said:

Skipton rate cuts take effect 26 Jan:
https://www.skipton.co.uk/content/dam/sbs-sites/skipton-co-uk/documents/help-and-support/extra-support/base-rate/variable-account-changes.pdf

0.35% cut for the recent popular (NLA) ones....

Blimey, that's not an easy read

Highlights for me and perhaps others:

Member Bonus Saver Issue 2 - 4.40% (from 4.75%) 

Bonus Saver Issue 12 - 3.90% (from 4.25%)

Makes the Member Bonus Saver pointless for me now then as I have Cahoot Simple at 4.40% with a ceiling considerably higher than my entire savings, and instant access.

Yes. My Zopa at 4.45% is your Cahoot. The 0.05% difference (five one hundredths of one percent) is £2.50 over a year so I'm in no rush and will avail myself of the 4.75 for the next 3 weeks but I'll be paying my tax bill and others from it at the end of January

Kim_13

Skipton Rate Reductions, 26/1/26: https://www.skipton.co.uk/content/dam/sbs-sites/skipton-co-uk/documents/help-and-support/extra-support/base-rate/variable-account-changes.pdf

Of note Member Bonus Saver 2 is going down by 0.30% to 4.4% while the currently available Bonus Saver seems to have escaped.

Bridlington1

@soulsaver

LHV Bank EA 4.25% (£1 min, £100k max across all EA accounts) ~~~ Reduces to 4% from 5/1/26

In addition if I'm not mistaken Charter Easy Access Issue 70 at 4.06% should be in the top 10 (the rankings appear to miss number 9 out).

Redwinelover

Just had a look at Chase's boosted saver account which requires you to open a current account with them first (currently the top easy access saving account on MSE).  A million and one questions about employment, pre-tax income and expenditure. Got so fed up with it have decided not to bother. Why so nosey? Is it really necessary?

BooJewels

Redwinelover said:

Just had a look at Chase's boosted saver account which requires you to open a current account with them first (currently the top easy access saving account on MSE).  A million and one questions about employment, pre-tax income and expenditure. Got so fed up with it have decided not to bother. Why so nosey? Is it really necessary?

I'd put it on my to do list for Monday - maybe I won't bother.  Not that I've anything to hide, but my circumstances don't sit well with organisations like that, as I don't fit well into any particular box.

Kissington

Ulster Limited Edition Saver account holders…

Rate is reducing as posts above, but not until 6th March. See separate Ulster thread.

I have a link, but as a newbie I am not allowed to post them yet. 

mebu60

Kim_13 said:

Skipton Rate Reductions, 26/1/26: https://www.skipton.co.uk/content/dam/sbs-sites/skipton-co-uk/documents/help-and-support/extra-support/base-rate/variable-account-changes.pdf

Of note Member Bonus Saver 2 is going down by 0.30% to 4.4% while the currently available Bonus Saver seems to have escaped.

Currently available Bonus Saver Issue 15 shows as 4.0%. If that remains the case it will be higher than the Bonus Saver Issue 12 reducing from 4.25% to 3.9% on 26:01:26.

Edit: Issue 15 also has a maximum of £100k versus the £50k for Issue 12. Couldn't see what funding window is but only requires £1. 

dcs34

Once again doing a good juggling act between Zopa and Ulster Limited Edition Saver accounts!

SnowMan

Cahoot Simple Saver (issue 13) paying 4.4% AER is no longer available

Replaced by Cahoot Simple Saver (issue 14) paying 4.05% AER

Bridlington1

@soulsaver

Manchester BS Rainy Day Saver (single access) 4.25% £1min reducing to 4.15% from 21/1/26.