The New Top Easy Access Savings Discussion Area

DRS1 · 26 January at 8:35PM

Kim_13 said:

intalex said:

intalex 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....

Reminder that the rates cuts have now been applied...

Looks like Bonus Saver 15 will now also have a (belated) rate cut from 4.00% to 3.75% effective 16 Feb...

Which makes Issue 14 at 3.91% the best from that date. Anyone know if it is max £50k on that issue or £100k? I know it was £50k on Issue 12 but not sure when it changed.

Asking for someone who likes to keep things simple, I don’t have enough money to keep >£50k in EAs.

Iss 15 was £100k (as is Iss 16 which pays 3.9%) but I think Iss 14 was still £50k

intalex · 27 January at 6:53AM

Kim_13 said:
Which makes Issue 14 at 3.91% the best from that date.

Good point, I closed my issue 14 (3.90%) and emptied it into my issue 15 (4.00%) promptly yesterday morning, only for rate drop notification on issue 15 (to 3.75%) to come through a couple of hours later... looks like soon I'll be left with only the Member Bonus Saver (currently 4.40% max £5k) with them...

dc_scotland · 27 January at 10:46AM

FORD MONEY

I notice that Ford Money have now reduced their Flexible Saver & Flexible ISA rates from 4.04% to 3.79% for new accounts.

Update: These reduced rates now confirmed to apply to existing accounts from 12 Feb.

GalacticaActual · 27 January at 2:41PM

** EDITED **

JUST NOTICED A DISCUSSION ABOUT THIS EARLIER ON IN THIS THREAD. APOLGIES FOR THE DUPLICATION!

NS&I are reducing rates on their Direct Saver and Income Bonds on 12th February 2026, as per email sent to me this afternoon:

"First interest rate change for these accounts since March 2025"

Further information:

Reduced interest rates for selected variable NS&I products

NS&I slashes interest rates on two of its popular savings accounts

Malchester · 28 January at 1:36PM

Saffron BS new version of Easy Access Account available (Issue 23). Annual or monthly interest - 3.83% gross / 3.9% AER. Replaces Issue 21.

happybagger · 28 January at 1:45PM

https://forums.moneysavingexpert.com/discussion/comment/81858292#Comment_81858292

Had a look as I've got a much earlier version, paying 3.45%

This one says "includes a fixed bonus of 0.45% until 27 May 2026"so not worth making any changes

edit: I see this is in the no chat thread, @soulsaver note the underlying 3.45% with the bonus being short term, AER is really only about 3.6%

gpman · 28 January at 2:32PM

https://forums.moneysavingexpert.com/discussion/comment/81858306#Comment_81858306

Indeed. I went to open and discovered the same.

3.90% sounded tempting but not for only 4 months.

Former issues 20 & 22 both pay 3.45%, as does My Saver Issue 1 (£10k + int max but only £1 min) - all NLA

I have them all; they are all sitting with minimum permitted balances plus accumulated interest.

(Missed out on Issue 21 as it was already Issue 22 when I tried. I know they then reverted to Issue 21 on 07-May-2025, but was not tempted to apply based upon my then existing holdings)