High Interest Easy Access Savings Advice

thevoid69

Hi, I am currently with Chase but they now only offer 3%.

I'm looking for an easy access savings account, without needing to take a current account with it, but also one with over 4% interest, pays interest monthly and allows unlimited withdrawals which are same day - basically the same service as Chase.

Any ideas please? Thank you.

InvesterJones

Lots of options here: https://moneyfactscompare.co.uk/savings-accounts/easy-access-savings-accounts/?quick-links-first=false&product-favorites-first=false&sort-order=AER&sort-order-text=Rate

you can also check at the stickied thread: https://forums.moneysavingexpert.com/discussion/6534798/the-new-top-easy-access-savings-discussion-area#latest for exact withdrawal times - of the several that I've used they've all been same day withdrawal.

Malchester

Try Investec savings or Wealthify. Wealthify is instant for deposits and withdrawals and easy to use. They use open banking for instant bank transfer and have website and app access but to use open banking transfers need an app for your nominated account. Investec are online only, no app, but deposits and withdrawals are almost instant (within 5 minutes) 

VNX

https://moneyfactscompare.co.uk/

thevoid69

Monument Bank look ok - anyone use them? 

soulsaver

Note Monument has a £25k minimum across all accounts but may suit?

This could be useful:

Top Easy Access acs Ranked by rate: Top of The Pots - **No Chat** — MoneySavingExpert Forum

thevoid69

soulsaver said:

Note Monument has a £25k minimum across all accounts but may suit?

This could be useful:

Top Easy Access acs Ranked by rate: Top of The Pots - **No Chat** — MoneySavingExpert Forum

Thanks, I've never heard of half of them so I'd be a little worried using them. Monument seem ok but will they close my account if I'm under their £25k threshold?

Veteransaver

Trading 212 is ok, to get the interest it most of your savings is held in money market funds, so isn't entirely risk free, and it can take a few days to get the cash out, although when I've withdrawn it has been instant, it may depend on what proportion of your total cash you withdraw. Around 15-20% of it is held in "normal" bank accounts so withdrawing that part should be instant.

friolento

thevoid69 said:

soulsaver said:

Note Monument has a £25k minimum across all accounts but may suit?

This could be useful:

Top Easy Access acs Ranked by rate: Top of The Pots - **No Chat** — MoneySavingExpert Forum

Thanks, I've never heard of half of them so I'd be a little worried using them. Monument seem ok but will they close my account if I'm under their £25k threshold?

I am afraid, they are likely to close your account if you keep less than £25k with them

Cisco001

Monument bank through raisin with £1000 min. balance for 4.56%

northernstar007

ive been hunting about for a savings account, call me old fashioned but i rather stick to the high street banks
i've now put some cash in tesco (owned by barclays) paying 4.41% maybe worth looking at