The New Top Easy Access Savings Discussion Area

castle96

Got loads sitting in EAs at3,75/4% I cant see any reason not to tansfer to 212 ISA. Withrawals OK,,, what tyou think

mebu60

DF Capital EA6 (NLA) increasing from 4.1% to 4.2% wef 09:02:26.

Source: email received.

No current EA products available, message reads 'please check back 'later''.

Bridlington1

@soulsaver

Nottingham BS Bonus Access Saver 14 £1 min 4.14% (includes 2.44% bonus till 30/4/27)

savethepandas

https://forums.moneysavingexpert.com/discussion/comment/81873703#Comment_81873703

Same with EA2 (NLA) 4.1% increasing to 4.2% from 9th Feb

x44

The bonus period on the previous Notts bonus saver ended a while back - and everyone presumably moved their money out so now they clearly needed a new bonus account on offer to get the money they lost all back again.

Along with Hodge Bank reducing and then increasing their rates you do wonder if they all have any idea what they are doing.

1spiral

https://forums.moneysavingexpert.com/discussion/comment/81873715#Comment_81873715

How can they state "Instant access to your funds" if the money doesn't arrive until the following day. 🙄

SnowMan

https://forums.moneysavingexpert.com/discussion/comment/81874365#Comment_81874365

According to this Nottingham Building Society say in section 9.3 'We’ll process a withdrawal immediately if we receive your request before 4pm on a working day. Otherwise, we’ll process it the next working day and the money will reach the receiving account by the next working day'

https://www.thenottingham.com/media/ohnj0bku/online-savings-terms-and-conditions.pdf

If that is correct then that does sound like instant access (as the transfer seems to be immediate if done before 4pm on a working day albeit not at weekends or during evenings) rather than easy access?

gpman

https://forums.moneysavingexpert.com/discussion/comment/81874483#Comment_81874483

I must admit I toyed with that term quite a while when I first saw it last night.

After long and careful deliberation (and in conjunction with other terms and I think something I saw in their FAQ's on their website) I decided upon the interpretation you have put on it.

Edit: looks like we might both have been wrong. I just looked at the FAQs again to find what I saw last night, and discovered this!

Frequently asked savings questions | Nottingham Building Society

ccluedo

I have a Cahoot SDS which matured (by date) recently. However it's still there as a SDS and still showing as 5% interest. I've had no comms regarding the account maturing.

A seemingly (to me) random interest payment was made to the account in early August '25. I usually opt for annual interest so imagine I did likewise for this account.

(I have another under 12 month account where a random interest payment was received in Oct' 25)

Anyone else have a matured SDS still doing it's own thing?

gpman

https://forums.moneysavingexpert.com/discussion/comment/81875743#Comment_81875743

I have previously noticed that Cahoot can sometimes be a little tardy in updating your online account, but if your SDS has matured, expect it to now be a Savings account paying 1.00% or less. Your online account should catch up with reality soon.

If I were you, I would simply upgrade to a new SDS. Note that updating the account does not change the frequency of interest application, but I think it does reset the date/s of future application.

If you see what appears to be a random interest payment last August, are you sure you didn't upgrade the account then?

You would need to contact Cahoot regarding the apparent lack of prior notice of account maturity