£3000 Easy Access.

Bob2000

Good afternoon.
Can anybody recommend a easy access account for 3k which will be available on the 16th please.

The money is at present in a Regular saver  with Principality building society. 
 

mebu60

Best savings accounts: 5.18% easy access or 4.8% fixed rates

Middle_of_the_Road

This sounds perfect -

https://www.cahoot.com/products-and-services/cahoot-sunny-day-saver

refluxer

If you're happy with app-only banking, Atom are currently paying the best easy access rate @ 4.85% however you only get that rate each month if you make no withdrawals so if you're likely to need access to the money then the second-best option is a boosted Chase Saver @ 4.75% (which has unlimited withdrawals), but that's only available to new customers and you'll need to open their current account first. I've got accounts with both Atom and Chase and haven't had any issues.

There's a comprehensive list of the best easy access accounts on the Moneyfactscompare site here.

mebu60

Non app straightforward 4.75% option:
Competitive notice savings accounts | Gatehouse… | Gatehouse Bank plc

No-one can be sure what will be available on 16th but Gatehouse has only gone to 4.75% this week (an upward move!). 

Whichever EA you go for I'd start the application process now.

Ayr_Rage

Trading 212 are offering 4.9% with daily interest on cash deposits and the same in a cash ISA, both instant access.

https://www.trading212.com/invest

https://www.trading212.com/isa?cash-isa=

Bob2000

mebu60 said:

Best savings accounts: 5.18% easy access or 4.8% fixed rates

Thanks for the link.

Bob2000

Middle_of_the_Road said:

This sounds perfect -

https://www.cahoot.com/products-and-services/cahoot-sunny-day-saver

Yes it does, cheers. 

Bob2000

refluxer said:

If you're happy with app-only banking, Atom are currently paying the best easy access rate @ 4.85% however you only get that rate each month if you make no withdrawals so if you're likely to need access to the money then the second-best option is a boosted Chase Saver @ 4.75% (which has unlimited withdrawals), but that's only available to new customers and you'll need to open their current account first. I've got accounts with both Atom and Chase and haven't had any issues.

There's a comprehensive list of the best easy access accounts on the Moneyfactscompare site here.

Plenty of options  there. Thanks for the guidance. 

The Atom ones looks promising.

Bob2000

Ayr_Rage said:

Trading 212 are offering 4.9% with daily interest on cash deposits and the same in a cash ISA, both instant access.

https://www.trading212.com/invest

https://www.trading212.com/isa?cash-isa=

Can you only store cash with them then?
I thought  they only done the isa with regards to cash only.
The rest  was stocks?

refluxer

Bob2000 said:

The Atom ones looks promising.

Just make sure you only put money in the Reward Saver that you won't need regular access to, as the rate drops to 3.25% for the whole of the account month in which you make the withdrawal and not from the date you make it, for the rest of that month.