eSaver | Instant Access To Savings Online | Santander UK
2.75% easy access with Santander for 12 months. What’s the catch then?
EDIT: Seems like the current catch is that the sign up page is broken…
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Thanks, managed to sign up via the app.
Bit of a no brainer against a 12 month 2.5% reg saver…!
Ah sweet will try that
Signed up as an existing customer, but application under review 
Mine went for review then showed up after refreshing my account list 
Same here.
All there now, request to close monthly saver is in. Brilliant deal from Santander.
Same here 
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Sorry if it’s old news, but I’ve just noticed the Natwest/RBS Digital Saver is now up to 5% too:
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It seems that after months of not passing increases on - the high street banks are using their clout to outstrip the challenger savings banks rates. My funds are in Zopa, but they need to up their rates pronto!
Either way sitting on cash doesn’t feel a great idea at the moment.
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I am quite happy to sit on it.
My investments are losing four figures right now. Doesn’t really encourage the risk averse to pump in more, despite it being better to buy in the dips, I know.
Cash has done better than my bond holdings recently!
I think current developments have certainly shaken the “stick it in a 60/40 fund approach” particularly as bonds haven’t offered much of a hedge.
That said, even if funds or etfs or indeed equities are down - at least they have a chance of recovery. Especially if you “dollar cost average”. Your cash will have less purchasing power in x years time no matter what - government institutions are exacerbating this at moment.
If you have assets or you own property it’s not so much of a concern - but I don’t think it’s a good time to be cash rich and asset poor. An emergency fund is always a must, though.
You can of course look into commodities or digital assets as well. I think the biggest challenge right now is that the stick it in Vanguard approach may not deliver the same easy returns for a while.
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You’ve found me out 
Although I went whole hog VLS 100
Plenty years left for some sort of recovery/profit though.
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I’ve moved from 60/40 equities/bonds to 70/30 with the 30% now 10% each of UK government bonds, short index-linked global bonds and gold (ETC, not physical). My equities are well-diversified so I’m reasonably happy putting another 10% into them while the price is low.
I also have a decent amount of cash split between fixed and easy access (Zopa, at the moment).
Zopa just increased their rates.
Easy Access: 2.15%
7 Day Notice: 2.20%
31 Day Notice: 2.35%
95 Day Notice: 2.55%
I’d have stayed with Zopa, but the Santander offering is too good right now.
and access twenty minutes quicker 
When you can access the Zopa funds, of course.
Do you need to have a current account with them?
I do. I revived one when I saw their Cash ISA offering.