I have one of the esaver a/c's and I can transfer money online to my current a/c which is held at a different bank. I am sure you would be able to transfer money into the regular saver but you had better enquire first. I am sure this is discussed elsewhere!!
There is no news of the interest rate dropping and if it does drop, no doubt it will be posted up on this forum very quickly. There is no penalty for moving funds out of the esaver, read the terms and conditions for the regular saver. And why do you think it would be difficult to get your money out of the accounts if the rates drop?? It won't.