The New Top Easy Access Savings Discussion Area

janusd

https://forums.moneysavingexpert.com/discussion/comment/81916885#Comment_81916885

have you checked your e-documents section?

you should get a PDF letter for every account you upgrade (usually at or before the accrued interest is paid) - the opening date shown doesn't change during an upgrade, so it will continue to show the original opening date - I wouldn't worry about that.

SJMALBA

https://forums.moneysavingexpert.com/discussion/comment/81916885#Comment_81916885

The first of my upgraded accounts had an original 'maturity' in October 2025; to date, despite the original opening date still showing, the account continues to pay the correct 4.89% monthly interest.

cwep2

https://forums.moneysavingexpert.com/discussion/comment/81916117#Comment_81916117

Markets are now predicting no cuts by the BoE before at least June, a month ago March was a close call (roughly 50:50 of cut or no change). Given high energy prices right now I personally think there is almost 0% chance of a cut in March.

Given the high energy prices at the moment, and the big impact that the energy price cap has on CPI the averaging window for the July-Sep price cap is mid Feb to mid May, so by the 18Jun meeting they will have a firm idea of the impact of the current situation on energy prices - they could still be elevated or back down but they will know how much the price cap will move (and have a good idea where the Oct-Dec price cap could be) that seems likely date for first cut assuming things have died down.

The fact is though that a month ago most were expecting next move to be a cut in maybe March and definitely by June, and savings providers were acting accordingly. Now a near term cut is off the cards and some are talking about a hike being necessary (IMHO unlikely) but we could be in a situation where there is no rate cut this year. Market is moving so fast I doubt banks will increase rates, but if the situation persists we could see rates drifting up.

For me I have the Zopa account at 4.45% and I think their policy is tied to moves by the Bank of England, so for the next couple of months that rate is likely to stay the same and is head and shoulders above most rates bar those only available to new customers (of which I'm ineligible for most).

forevergrey

Thank you janusd and SJMALBA. The upgrade letters hadn't arrived when I checked this morning but are there now and confirm the upgrade date. Also reassured by your experience of using these accounts.

4justice2

Ford Flexible Saver down to 3.54% AER (3.48% monthly) from 25.3.26 for existing savers. New accounts already at that rate.

Presumably anticipating a .25% bank rate cut on 19th.....

SFCooper

If my Cahoot Sunny Day Saver Balance reaches £3010, will they:

A) Stop playing interest entirely on the full balance

B) Only pay interest on the £3000 and nothing on the £10

mon3ysav3r

https://forums.moneysavingexpert.com/discussion/comment/81918268#Comment_81918268

B - some people here report that it shows the interest rate as 0% online if you go over 3000 until you remove some (% updates next day), but I haven't seen that

SFCooper

https://forums.moneysavingexpert.com/discussion/comment/81918272#Comment_81918272

Thank you!

King_Drax_I

Right, so I'm looking for a new ISA for the 2026-27 tax year, and so far none of the ones I have looked at seem to offer what I would like in my new ISA. Wondered if you lot could help? ;)

I'm after the following features:

- Flexible account

- Easy Access

- Monthly Interest

- Accepts transfers in

- With those criteria, best interest possible.

So far my search has been fruitless. Each account seems to have at least one of those features missing. I don't know why they have so many problems offering Flexible ISAs these days, or that's how it seems!

Oh and I should say, I had an account with Trading 212 but I closed it, so I am not a newbie. I already have an ISA with Chip but my bonus rate will expire sometime this year, hence me wanting a new account that accepts transfers in.

Anyone know of a decent account with all those features, please?

janusd

https://forums.moneysavingexpert.com/discussion/comment/81918503#Comment_81918503

you might get better responses by posting in the ISA section of the forums…

Tandem would probably meet all your conditions - though the rate is only 3.75%, but if you can get a topup via the app, it would be 4%.

if you haven't done so already, searching on Moneyfacts and filtering on flexible ISA might be helpful to you.