The New Top Easy Access Savings Discussion Area

sheslookinhot

dcs34 said:

Bridlington1 said:

@soulsaver
Moneybox Simple Saver 3.75% (£1 min), but you can get a 1% boost on top to bring the rate to 4.75%.

What’s the eligibility criteria for the Simple Saver reward rate?

You can earn a 4.75% AER (variable) reward rate on your Simple Saver if you have either:

• a balance above £0 in a qualifying Moneybox account (ISA, Lifetime ISA, Junior ISA, or Pension)
• a Reward Savings Account.

If your balance in your Lifetime ISA drops to £0 then you are eligible to keep the reward rate for 12 months or until 13/02/2025, whichever date is later.

You’ll need to make sure you’re on the latest app version to see your reward rate reflected in the app.

This account has been around a while, any reason it’s suddenly getting a posting? Made it nearer the top of the rate tables due to other accounts having their rates cut?

Letters received this morning with new interest rates.

Bobblehat

Just for my peace of mind, I was told by Vanquis CS to log in for the first time through www.vanquissavings.co.uk rather than www.vanquis.co.uk. Can anyone confirm that they do the former? Just seemed slightly odd.

chris_the_bee

Bobblehat said:

Just for my peace of mind, I was told by Vanquis CS to log in for the first time through www.vanquissavings.co.uk rather than www.vanquis.co.uk. Can anyone confirm that they do the former? Just seemed slightly odd.

Vanquis
I use it as www.vanquissavings.co.uk takes you straight to savings whereas the later is rather long winded to get to savings

soulsaver

It's the ToTP 2nd birthday today...

If you're unaware here is a snapshot of the constantly maintained info. linked in my signature box:

Many thanks to the contributors - wouldn't be any good without you...

And a special thanks @Bridlington1 for the prolific contributions  

1 Chip Easy Access Saver `Tri' 5% (4.07% + 0.93% 12mth boost (20/09) ***DYOR***

2 Vanquis Bank easy access account (issue 3) 4.85% £1k min (07/10)

3 Oxbury Bank Easy Access Account Special Edition 1 4.87% £25k min (04/09) replaces 4.79%

4 Coventry Triple Access Saver (Online) (5) at 4.83% (27/09)

  Cahoot Simple Svr Iss 4; 4.85%  (08/08) ***NLA 02/10***

5 OakNorth Bank Easy Access Limited Edition - Issue 5 4.82% £20k min (11/09)

6 Monument Bank EA 4.81% £25k min overall; (new rate 03/09)

7 Cynergy Bank Online EA (Issue 80) 4.80% (04/08)

8 YBS Online Rainy Day Account Issue 2 at 4.80% £10k max FR, 2 withdrawal days/yr (30/09).

  Chorley Single Access Saver Account (1 Withdrawal) 4.80% £1k min (16/08) ***NLA 07/10***

9 Ford Money Flexible Saver 4.75% £1 min (21/8)

   Dudley BS Easy Access Saver Online Issue 5 4.75% £250 min (21/8) ***NLA 07/10***

10 Principality BS Online Bonus Tri Iss3 4.75% inc bonus.(22/08) replaces iss2.

11 Aldermore Double Access Issue 2 4.75% £1k min (21/8)

12 Ulster Bank Loyalty Svr  5.20% £5k+ (29/09) NOTE: until 14/10 then 4.75% - see trail 03/08

For info: 

Co-operative BR Tracker  4.75% £100k MinFR!! (15/03) 

Small(er) balance, near /ToTP rates:

Santander Edge Saver 6.0 % £4k MAX (15/07) (was 7.00%)

Cahoot Sunny Day Saver Issue 2 5.00%, £3k max (03/09)

Barclays Rainy Day Saver  5.12% to £5k (30/09/22?) Needs CA: See discussion here. 

Nationwide FlexDirect 5.00% to £1.5k (1st year only)

NLA - Recently No Longer Available: Rates stated are those at going NLA and aren't maintained, may have changed.

Dudley BS Easy Access Saver Online Issue 5 4.75% £250 min (21/8) ***NLA 07/10***

Cahoot Simple Saver Iss 4; 4.85%  (08/08) ***NLA 02/10*** New Iss5 - 4.57%

Family BS Market Tracker Saver at 4.76% (£500 min) (08/08) ***NLA new rate 4.65% from 01/10***

West Brom Four Access Saver (Issue 1) 4.90% (11/09) - up from 4.81% ***NLA 20/09***

Paragon Double Access Savings Account Issue 9 4.75% £1k min (23/8) ***NLA 19/09***

Cahoot Sunny Day Saver 5.20% upto £3k (19/11) ***NLA 03/09***

YBS Rainy Day Saver 5.00% to £10K then 3.90% on balance over (14/09/23) ***NLA 05/09***

Monument Bank EA 4.77 rate ***NLA 03/09*** - new 4.81% 03/09

All August deleted NLAs here...

Check terms  - DYOR.

Note: ToTP rates may, or may not, be applied to existing accounts. Plse DYO check.

For info: 

Co-operative BR Tracker  4.75% £100k MinFR!! (15/03) 

Small(er) balance, near /ToTP rates:

Santander Edge Saver 6.0 % £4k MAX (15/07) (was 7.00%)

Cahoot Sunny Day Saver Issue 2 5.00%, £3k max (03/09)

Barclays Rainy Day Saver  5.12% to £5k (30/09/22?) Needs CA: See discussion here. 

Nationwide FlexDirect 5.00% to £1.5k (1st year only)

NLA - Recently No Longer Available: Rates stated are those at going NLA and aren't maintained, may have changed.

Cahoot Simple Saver Iss 4; 4.85%  (08/08) ***NLA 02/10*** New Iss5 - 4.57%

Family BS Market Tracker Saver at 4.76% (£500 min) (08/08) ***NLA new rate 4.65% from 01/10***

West Brom Four Access Saver (Issue 1) 4.90% (11/09) - up from 4.81% ***NLA 20/09***

Paragon Double Access Savings Account Issue 9 4.75% £1k min (23/8) ***NLA 19/09***

Cahoot Sunny Day Saver 5.20% upto £3k (19/11) ***NLA 03/09***

YBS Rainy Day Saver 5.00% to £10K then 3.90% on balance over (14/09/23) ***NLA 05/09***

Monument Bank EA 4.77 rate ***NLA 03/09*** - new 4.81% 03/09

All August deleted NLAs here...

ETA recent updates... 

Bridlington1

soulsaver said:

It's the ToTP 2nd birthday today...

And may I take the opportunity of the 2nd year anniversary of the ToTP list to thank those who have continued to share new info about EA accounts, it's been invaluable to me and I'm sure to many others too.

I'd like to give a special thanks to @soulsaver for maintaining the ToTP thread these last 2 years and the top 10 (ish) list long before that. You've done a splendid job, long may it continue.

Bridlington1

@soulsaver
Sorry, whilst I remember YBS Online Rainy Day Account Issue 2 at 4.8% (£10k max, 2 withdrawal days/yr) returned in September.

Additionally there's the Coventry Triple Access Saver (Online) (5) at 4.83% that was first mentioned by @Kazza242 a week or so ago and Vanquis Bank easy access account (issue 3) 4.85% £1k min that are eligible for the top 10 if I'm not mistaken.

pokemaster

Received a "document" via Barclays app to state they will be downgrading my Rainy Day Saver on 2nd Dec (As I have left Blue Rewards)

Not the 6 months I was hoping but 2 months is still nice of them I guess

pokemaster

> 8 Dudley BS Easy Access Saver Online Issue 5 4.75% £250 min (21/8)

Looks like this is NLA now its Issue 7 at 4%

soulsaver

Bridlington1

pokemaster said:

> 8 Dudley BS Easy Access Saver Online Issue 5 4.75% £250 min (21/8)

Looks like this is NLA now its Issue 7 at 4%

soulsaver

@soulsaver

In addition to the above Chorley Single Access Saver Account (1 Withdrawal) 4.80% £1k min (16/08) NLA

allegro120

pokemaster said:

Received a "document" via Barclays app to state they will be downgrading my Rainy Day Saver on 2nd Dec (As I have left Blue Rewards)

Not the 6 months I was hoping but 2 months is still nice of them I guess

My Blue Rewards was cancelled on 30th August, I haven't received any downgrade communications yet.  Rainy Day is still there showing 5.12%.