heir instant access is dropping from 1% to 0.6% also. I've closed all my rabo accounts (2) and moved to KBC. Their 1.05% is best instant access around. For fixed term, Raisin is currently leader. Best buys thread has all this collated.
Have some money with Rabo instant access, but it is honestly not even worth the "hassle" of moving to KBC (apart from me not wanting to give them any business due to their mortgage SVR practice). The difference between 0.6% and 1.05% after DIRT per €1000 per year is what about 2 Euro?
Furthermore, unless you have your current account with KBC, you have to issue them with written notice of a wish to withdraw funds - it can't be done online. I wouldn't close any savings accounts I have, just keep the funds in the accounts that are offering the best return.Good point. The hassle of moving accounts worths way more than 2 euros