The New Top Easy Access Savings Discussion Area

ColdIron

True enough, but I can't remember the last time I had any of them for a whole year

In practice, with 11 months to go, you will close them and any interest will fall in the current tax year

I am on my 43rd now. They are always worth opening speculatively

janusd

https://forums.moneysavingexpert.com/discussion/comment/82014757#Comment_82014757

@soulsaver - posted in the no-chat thread, but I don't think it is correct.

I believe that the Spring Special Edition has now gone NLA (though currently remains at 4.30% for those accounts already opened), but their default Easy Saver remains unchanged at 3.82% (which I think @slush confused with the Special Edition).

gt94sss2

https://forums.moneysavingexpert.com/discussion/comment/82015113#Comment_82015113

At the time I write this, it's still possible to open a Spring Special Edition account in their app. I just have!

janusd

https://forums.moneysavingexpert.com/discussion/comment/82015136#Comment_82015136

well get it quick then those that want it, because it's previous web link is now redirecting to the Easy Saver and the listing has been removed from Moneyfacts, so NLA status is imminent. ⏳️

Friday update - no longer available to open in the app.

intalex

West Brom Triple Access - Annual Interest Value

West Brom have sent me confirmation of my annual interest, but instead of it being for the period 6 April 2025 - 5 April 2026 (both inclusive), it is rather annoyingly for the period 01 May 2025 - 30 April 2026 (both inclusive) and includes a monthly interest amount credited and paid out on 28 April 2026. The document doesn't say if this is the amount to use for tax returns. Anyone know if this skewed annual period interest is also what they declare to HMRC, or do they actually declare it correctly based on monthly interest falling within the actual tax year dates?

masca

https://forums.moneysavingexpert.com/discussion/comment/82014012#Comment_82014012

An update... Received a reply from CS just before 5pm yesterday advising that I update the app. Have done that this morning and the savings account is now available to me!

p1ston

 rather annoyingly for the period 01 May 2025 - 30 April 2026 (both inclusive) a

I would ask them for certificate for tax return 6 to 5th

EthicsGradient

https://forums.moneysavingexpert.com/discussion/comment/82015154#Comment_82015154

I had their Four Access Saver - opened after 1st May 2025, and closed before 5th April 2026, so my personal experience doesn't help directly. But I do still have the T&Cs, and it says "If you choose to have your interest paid yearly, it will be paid on 30 April. If you choose to have your interest paid monthly, it must be paid to another account, either with the West Brom or another bank or building society, and it’ll be credited on the last working day of the month."

If you're self-assessing, declare the interest received on dates from 6/4/25-5/4/26 in a tax return for that year; the interest received on the 28th April 2026 is clearly in the current tax year, and so you shouldn't declare it yet.

Dizzycap

https://forums.moneysavingexpert.com/discussion/comment/82014012#Comment_82014012

You should received an email around 24 hours after opening your LEMFI account (check your junk mail) which offers you the opportunity to open a 5% savings account.

masca

https://forums.moneysavingexpert.com/discussion/comment/82015807#Comment_82015807

Unfortunately that didn't happen, but problem resolved by updating the app.