The New Top Easy Access Savings Discussion Area

Snapdragon

Middle_of_the_Road said:

soulsaver said:

ColdIron said:

soulsaver said:

I may add this as an addendum to ToTP, as it's quite useful for best rate chasers...

What's the best rate EA(ish) account that you can still pay in to, even if it's NLA?

I would read it but a few thoughts

1. Most people with the accounts already know about them, I'm not sure how much use it would be
2. It could end up with a few dinosauric legacy account that just go on and on and on
3. Most importantly it would be extra work for you. If you're up for it, go for it

All entirely accurate.

It's only useful while rates are falling - there is no single source to remind us there's a competitive useable NLA account.

I have a LOT of accounts as I like to 'sweat' my cash assets -  so when rates are falling I'm checking which NLA accounts maybe better than some of the best available rates - so I'm doing it for me as much as others.

I'll see how it goes without formalising it. Maybe it just starts a trend of people reminding us which NLA accounts are useful in that you can still pay in at a competitive rate?

@soulsaver

 YBS Loyalty 6 access eSaver 23

Is now at 5% from 5.1 although mine matures on 5th Oct.

Thanks for your post, I hadn't realized the YBS Loyalty 6 Access matures! I was under the impression it was a long-term saver with annual interest, allowing 6 withdrawals per year and it would merely re-set to another 6 withdrawals for the following year when my annual interest pays mid-Oct. I was therefore planning to use this account as my highest paying 'relatively' EA for a few months, now that my other EA accounts have dropped below 5%, especially as I can use my Halifax debit cards with YBS to make payments in and get my £5 reward. Damn a rethink needed  :'(

janusd

Snapdragon said:

Middle_of_the_Road said:

soulsaver said:

ColdIron said:

soulsaver said:

I may add this as an addendum to ToTP, as it's quite useful for best rate chasers...

What's the best rate EA(ish) account that you can still pay in to, even if it's NLA?

I would read it but a few thoughts

1. Most people with the accounts already know about them, I'm not sure how much use it would be
2. It could end up with a few dinosauric legacy account that just go on and on and on
3. Most importantly it would be extra work for you. If you're up for it, go for it

All entirely accurate.

It's only useful while rates are falling - there is no single source to remind us there's a competitive useable NLA account.

I have a LOT of accounts as I like to 'sweat' my cash assets -  so when rates are falling I'm checking which NLA accounts maybe better than some of the best available rates - so I'm doing it for me as much as others.

I'll see how it goes without formalising it. Maybe it just starts a trend of people reminding us which NLA accounts are useful in that you can still pay in at a competitive rate?

@soulsaver

 YBS Loyalty 6 access eSaver 23

Is now at 5% from 5.1 although mine matures on 5th Oct.

Thanks for your post, I hadn't realized the YBS Loyalty 6 Access matures! I was under the impression it was a long-term saver with annual interest, allowing 6 withdrawals per year and it would merely re-set to another 6 withdrawals for the following year when my annual interest pays mid-Oct. I was therefore planning to use this account as my highest paying 'relatively' EA for a few months, now that my other EA accounts have dropped below 5%, especially as I can use my Halifax debit cards with YBS to make payments in and get my £5 reward. Damn a rethink needed  :'(

talking about maturing accounts, I got an email from Skipton that my Bonus Saver (Issue 9) bonus expires on 27th September, when the rate will drop from 4.79% to 3.55% - that will get closed on Monday (probably along with the above YBS account that i've never had reason to use nor will before it matures).

Bobblehat

Skipton Mber Bonus Svr Iss1 ... reduced to 5.25% (inc bonus) on 02/09 from 5.50% (inc bonus) .... just checked mine online, says 5.25%!

Sorry in advance if I've misunderstood the additional table!

Edit .... It looks like wiseone (above) spotted the reduction too!

soulsaver

Bobblehat said:

Skipton Mber Bonus Svr Iss1 ... reduced to 5.25% (inc bonus) on 02/09 from 5.50% (inc bonus) .... just checked mine online, says 5.25%!

Sorry in advance if I've misunderstood the additional table!

Edit .... It looks like wiseone (above) spotted the reduction too!

Absolutely right, thanks. If I had checked my spready i'd have seen it myself..

k12479

The Bank of London (4.91% via Flagstone) is subject to a winding-up petition from HMRC, while the bank says this is just due to an administrative error. Either way, something to be aware of if you're with them or considering them.

snowqueen555

fletcher1985 said:

i was confused as well but if you go on chip its a new savings account that is 4.07% now i think and it will go to 4.84% on 6th september but if you withdraw more then 3 times a year it drops to 2.97% for the rest of the year. so its nor really a easy access account anymore i will be looking around now.

slinger2 said:

fletcher1985 said:

chip lowering rate on easy access to 4.01 on 12th september and new easy access account with 3 withdrawls at 4.84%

I'm confused. The old account is the instant access and is a tracker. 

Why can't I see this new account, I'm looking to transfer over to that one.

flaneurs_lobster

snowqueen555 said:

fletcher1985 said:

i was confused as well but if you go on chip its a new savings account that is 4.07% now i think and it will go to 4.84% on 6th september but if you withdraw more then 3 times a year it drops to 2.97% for the rest of the year. so its nor really a easy access account anymore i will be looking around now.

slinger2 said:

fletcher1985 said:

chip lowering rate on easy access to 4.01 on 12th september and new easy access account with 3 withdrawls at 4.84%

I'm confused. The old account is the instant access and is a tracker. 

Why can't I see this new account, I'm looking to transfer over to that one.

Previous discussion HERE
You need to empty the old savings account before the new one becomes available.

Rheumatoid

flaneurs_lobster said:

snowqueen555 said:

fletcher1985 said:

i was confused as well but if you go on chip its a new savings account that is 4.07% now i think and it will go to 4.84% on 6th september but if you withdraw more then 3 times a year it drops to 2.97% for the rest of the year. so its nor really a easy access account anymore i will be looking around now.

slinger2 said:

fletcher1985 said:

chip lowering rate on easy access to 4.01 on 12th september and new easy access account with 3 withdrawls at 4.84%

I'm confused. The old account is the instant access and is a tracker. 

Why can't I see this new account, I'm looking to transfer over to that one.

Previous discussion HERE
You need to empty the old savings account before the new one becomes available.

I've just had a look (haven't logged on for a while) and the 4.84 is there to apply for and I still have a couple of quid in the old one.

1spiral

ColdIron said:

soulsaver said:

I may add this as an addendum to ToTP, as it's quite useful for best rate chasers...

What's the best rate EA(ish) account that you can still pay in to, even if it's NLA?

I would read it but a few thoughts

1. Most people with the accounts already know about them, I'm not sure how much use it would be
2. It could end up with a few dinosauric legacy account that just go on and on and on
3. Most importantly it would be extra work for you. If you're up for it, go for it

Mmm, when I offered to do this a few weeks back no one was interested. I had a table of about 70 accounts going back to last October that had gone NLA and was trying to maintain their current rates in a TOTP form.
https://forums.moneysavingexpert.com/discussion/6548375/nla-easy-access-top-of-the-pots#latest

savethepandas

What's the best rate EA(ish) NLA account that you(one) can still pay in to (payable)?

Immediate thoughts

Santander Edge                7.00 (£4k max x 2) if you extended NLA.
Cahoot Simple svr Iss1/2  5.12 NLA
Cynergy iss 69                  5.00 (inc bonus until 11 March 2025 - (depending on opening date?)) And earlier issues still payable? NLA
Cov BS online triple          4.95


Edit to take out Barclays RDS and the current Santander as still available shown in the ToTP smaller accounts listing.

Have Cynergy issue 68 at 5%, bonus expiring in October.