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The New Top Easy Access Savings Discussion Area
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Virgin Money Double Take E-Saver Issue 18 4.15% 2 withdrawals/yr plus closure
Harpenden BS Online Single Access (Issue 3) 4.06% £100 min
AA EA Members Saver has increased from 4.05% to 4.15% Incl. 1st year bonus
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Well, according to t&c you are allowed 2 (one sole and one joint). That's how I started a couple of years ago. 2 days ago I got my 16th SD via Quidco. 19 Cahoots in total, more than enough for my EA needs.
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I already have one sole SD so worth a punt opening another one through Quidco I guess (as higher rate than TCB)
When you've applied for additional SD acct, do you log in first or just apply without logging into your Cahoot account?
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I wish MSE made clear distinction between Instant (you can move money instantly, not taking a working day) and 'Easy' (that often takes at least a day).
many easy accounts are not instant, and it difficult to find out if they are or not. (I know Chase is instant, but i already used my 12 months)
Reason i want an Instant is I keep as little money as possible on current account.. but some shops do not take amex (i pay it off in full obviously), and so i then need to be able to immediately move money to current account to cover it.
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Getting another credit card would be an obvious solution. A Lloyds Ultra (say) would pay 1% cashback too.
General rule of thumb, if a saver account is easy/instant and is offered by an institution that has a current account product, then it probably is instant.
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Don't need to login, apply as if you are a new customer. The system will match your details and you should receive the e-mail with your new account number (normally within less than a minute).
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Weirdly I had a similar thought the other day, that there's a lot of housekeeping I could do to simplify things for my daughter aka my executor should I know when my time was soon to be up, assuming I still had the wherewithal at that time.
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Tesco Internet Saver allows instant transfers to both my current accounts. Perhaps this would be suitable for you?
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This post from from @ircE last December has a list of EA accounts which are truly instant - the rates will be out of date, but it at least gives you a short-list of some non-highstreet banks who offer instant access (clicking on the date takes you to the original post if you can't expand it).
Cross-referencing with Moneyfactscompare shows that Spring (from Paragon Bank) is still at 4.11% and is currently the highest-paying account from the banks in that table.
Cahoot's Sunny Day Saver is also instant (I think) and pays 5.00% for balances under £3k. No app for Cahoot though (I believe you can no longer use Santander's app for Cahoot like you could in the past).
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Santander, Chase, Ulster, Cahoot, Chip, Zopa savings accounts pay out instantly.
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