The New Top Easy Access Savings Discussion Area

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.

Bridlington1

Just a reminder the AA EA Members Saver and AA Easy Access Savings reduce from 4.3% and 4.2% respectively to 4.05% and 3.95% respectively tomorrow.

soulsaver

'ToTP' - Top, available Easy Access accounts ranked by rate - updated...

Thanks for all the input during the year - much appreciated.

I wish you all a happy, healthy & successful 2026  

1 Chase boost trkr4.50% inc.newbie-only 1yr bonus (29/12)see ToTP trail. AO

   Cahoot Simple Saver Iss13 4.40% £1 min (10/10) ***NLA 05/01*** Iss14 4.05% (see below #8)

2 Manchester BS Rainy Day Saver (single access) 4.25% £1min (22/09) ->4.15% wef 20/01

R AA Easy Access Savings 4.20%  Incl. 1st year bonus (19/11) ->3.95% wef 06/01

3 Vida Savings Defined Access Issue 3 4.11% £10 min `quad' (19/12)

4 Spring Easy Saver 4.11% £10 min (19/12) AO

5 Vanquis Triple Access Saver (Issue 4) (`tri') £1k min 4.08% (19/12)

6 Charter Easy Access Issue 70 4.06% (02/01)

7 AA EA Members Saver  4.30% Incl. 1st year bonus (19/11) -> 4.05% wef 06/01 

8 Cahoot Simple Saver Iss14 4.05 % £1 min (05/01)

9 Tesco Internet Svr  4.05% £1min  (05/01)

10 Chetwood EA 4.04% (05/01)

More useful info included here:

Top Easy Access acs Ranked: Top of The Pots - **No Chat** — MoneySavingExpert Forum