The New Top Easy Access Savings Discussion Area

clivep

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

Did you refresh the a/c by doing an upgrade in August 2025?

If so, the displayed opening date stays as it was but the 12 month interest rate boost starts anew and you would get an interest payment.

masonic

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

Did you refresh it at any point? Because that resets the maturity date but not the interest payment date.

ccluedo

Cahoot SDS

Thank you @gpman @clivep @masonic

You have all hit the nail on the head!

I hadn't noticed that the opening date stayed the same after upgrading. Likewise it explains the interest payments.

I've checked them all now and changed my diary dates to the correct ones.

Many thanks 😊

elkiedee

https://forums.moneysavingexpert.com/discussion/comment/81869596#Comment_81869596

https://forums.moneysavingexpert.com/discussion/comment/81869573#Comment_81869573

Most of my savings are accessible within a few days if I need them and limited access, and that's fine. But I have one "instant access" account which is linked to a current account, and I keep money which I expect I'm going to spend in there. I also put money in monthly on my partner's pay day and some on the start of the month, and child benefit, and then transfer some just a few days later to pay council tax, and give my son money to pay for meals at college (when he was at school up to last summer I was putting it in his school Parentpay account). This way I can make sure there will be money to pay for necessary things. For longer term savings I can get higher rates of interest but I regard this as a current account extension. Last year I probably kept more money in it than I needed to, as I earned more then double the interest on a slightly lower rate over the year (several interest rate cuts in 2025) than for 2024-25. It's a 12 month account/rate so I opened the first in January 2024, and then opened a similar account in 2025 and 2026 so I could just move my money over for another year.

dcs34

Newbury Existing Member Account - email received today (09/02/2026)

We have increased the maximum limit on our Existing Member Account (EMA) for the 2025-26 tax year from £8,000 to £10,000. This change came into effect on 6 February 2026.

What does that mean for me?

This means you can now ‘top up’ your EMA to a maximum of £10,000 until 5 April 2026.

Given the current interest rate of 3.35% this is unlikely to be a 'top' account for anyone, however perhaps some like me have kept it in order to keep a customer relationship with Newbury.

savethepandas

https://forums.moneysavingexpert.com/discussion/comment/81876793#Comment_81876793

Didn't get that email, but did get one stating that the "Welcome to Newbury" accepts £8000 (from £7000) from the 6th February. Have minimal amounts in both accounts to keep a "foot in the door"

Bridlington1

@soulsaver

DF Capital Easy Access Account (Issue 7) now 4.2% (£1k min)

castle96

Fixed Rate Savings | saving accounts from The Melton : The Melton Building Society

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81877203#Comment_81877203

Wrong thread (Fixed rate vs Easy Access)?

1spiral

Has Cynergy announced any rate drops recently? I have issue 90 of their EA accounts at 4.15% but only have £1 in it so don't receive updates on forthcoming rate drops and have some funds that I need to find a home for this week.