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Page 166
    • eskbanker
    • By eskbanker 6th Oct 17, 5:01 PM
    • 5,555 Posts
    • 5,399 Thanks
    eskbanker
    Hi folks,

    The Top Savings guide has been updated and the top easy-access accounts include the Post Office 1.27% AER variable (incl a 1.02% bonus for 12mths) and Kent Reliance 1.27% AER variable.

    RCI Bank have launched a 1.3% AER variable easy-access account, though this does NOT have FSCS protection.

    For more information on these accounts - and others - see our Top Savings guide.

    Kind regards,
    MSE Karl
    Originally posted by MSE Karl
    Post Office Savings are no longer available to new customers.

    Next stop Kent !
    Originally posted by I-LOV-MONEY
    Do you have a source/link for this comment please?

    The online application process seems to start OK at https://www.postoffice.co.uk/savings-accounts/online-saver although admittedly I didn't follow it all the way through....
    • I-LOV-MONEY
    • By I-LOV-MONEY 6th Oct 17, 5:08 PM
    • 974 Posts
    • 552 Thanks
    I-LOV-MONEY
    Do you have a source/link for this comment please?

    The online application process seems to start OK at https://www.postoffice.co.uk/savings-accounts/online-saver although admittedly I didn't follow it all the way through....
    Originally posted by eskbanker
    There was a panel on the right hand side of the front page saying that it wasn't available. Obviously somebody has got the calculator out and found that they can take in more money!
    I thank you for reading this message. Maybe you will thank me for posting it!
    • badger09
    • By badger09 6th Oct 17, 5:13 PM
    • 5,172 Posts
    • 4,368 Thanks
    badger09
    Also the page in eskbanker's link states that rates are correct s at 5 October 2017, so if it is already 'no longer available to new customers' its the fastest disappearing account seen in a long time.

    However, I personally wouldn't use PO for anything to which I need access
    • I-LOV-MONEY
    • By I-LOV-MONEY 6th Oct 17, 5:18 PM
    • 974 Posts
    • 552 Thanks
    I-LOV-MONEY
    I used to have PO Savings accounts some years ago. I seem to remember the main problem was paying in and withdrawing it took an extra day as they are based in Eire. However, I think I withdrew from them, because their interest rates were (at the time) lower than others.
    I thank you for reading this message. Maybe you will thank me for posting it!
    • badger09
    • By badger09 6th Oct 17, 5:18 PM
    • 5,172 Posts
    • 4,368 Thanks
    badger09
    Virgin have just announced a 1.2% ISA.
    Originally posted by schiff
    Link?

    I can't see it on their website
    Originally posted by badger09
    I had it by personal e-mail, I've got loads of Virgin RSs! As a Man City fan all my life I refuse to indulge.

    "So far so good for Man Utd this season. All the signs point to them challenging for more silverware next May.

    This makes it the perfect time to tell you about our new Man Utd Double Champions E-ISA.
    Great rate as standard
    When you open it, you’re already guaranteed a decent fixed rate.
    1.20%
    Originally posted by schiff
    Yes, I saw that one, but as the thread title is 'The Top Instant Access Savings Discussion Area' that's what I was looking for.
    • badger09
    • By badger09 6th Oct 17, 5:21 PM
    • 5,172 Posts
    • 4,368 Thanks
    badger09
    I used to have PO Savings accounts some years ago. I seem to remember the main problem was paying in and withdrawing it took an extra day as they are based in Eire. However, I think I withdrew from them, because their interest rates were (at the time) lower than others.
    Originally posted by I-LOV-MONEY
    That I can accept, and have had accounts with them in the past. However there are ongoing threads suggesting much worse access problems.
    • soulsaver
    • By soulsaver 6th Oct 17, 6:14 PM
    • 1,376 Posts
    • 465 Thanks
    soulsaver
    RCI Freedom Savings 1.3% easy access
    "The UK savings market has been moving positively and we’re proud to have responded with a rate increase, which we’ve made available to both new and existing customers.

    The rate on our Freedom Savings Account has increased from 1.20% to a leading easy access rate of 1.30% AER gross variable for new account applications from 06 October 2017."

    nb Ported protection to €100K

    https://www.rcibank.co.uk/savings/freedom?utm_source=PPC%20advertising&utm_medium=PP C&utm_campaign=RCI%20PPC%20campaign%202015&ppc=1&g clid=CNi4mNu-3NYCFYQPGwod2PIAsw&gclsrc=ds
    Last edited by soulsaver; 06-10-2017 at 6:17 PM.
    There are 24 bottles of beer in a crate. There are 24 hours in a day. Coincidence? I think not....
    • colsten
    • By colsten 6th Oct 17, 6:34 PM
    • 8,751 Posts
    • 7,413 Thanks
    colsten
    RCI is not FSCS protected. Good luck if they get into trouble and you want your money out.
    • bigadaj
    • By bigadaj 7th Oct 17, 9:28 AM
    • 10,274 Posts
    • 6,591 Thanks
    bigadaj
    RCI is not FSCS protected. Good luck if they get into trouble and you want your money out.
    Originally posted by colsten
    I'm sure the French will be very sympathetic post Brexit.
    • badger09
    • By badger09 7th Oct 17, 10:23 AM
    • 5,172 Posts
    • 4,368 Thanks
    badger09
    I'm sure the French will be very sympathetic post Brexit.
    Originally posted by bigadaj
    Mais oui, bien sur
    • MSE Andrea
    • By MSE Andrea 12th Oct 17, 1:30 PM
    • 8,614 Posts
    • 20,854 Thanks
    MSE Andrea
    Hi folks

    We've updated the guide with a new top easy-access account from the Bank of Cyprus UK paying 1.28% AER variable:


    Top Savings Accounts

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    • dekkard
    • By dekkard 12th Oct 17, 4:30 PM
    • 74 Posts
    • 18 Thanks
    dekkard
    Hi folks

    We've updated the guide with a new top easy-access account from the Bank of Cyprus UK paying 1.28% AER variable:


    Top Savings Accounts
    Originally posted by MSE Andrea
    Easy Access Savings rates are creeping up. Does this mean banks assume the BoE will raise interest rates sooner rather than later?
    • MSE Andrea
    • By MSE Andrea 13th Oct 17, 11:02 AM
    • 8,614 Posts
    • 20,854 Thanks
    MSE Andrea
    Easy Access Savings rates are creeping up. Does this mean banks assume the BoE will raise interest rates sooner rather than later?
    Originally posted by dekkard
    It'll be interesting to see whether it does!

    Follow MSE on other Social Media:
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    Flag a news story: news@moneysavingexpert.com
    • 2010
    • By 2010 13th Oct 17, 11:14 AM
    • 4,148 Posts
    • 3,315 Thanks
    2010
    Easy Access Savings rates are creeping up. Does this mean banks assume the BoE will raise interest rates sooner rather than later?
    Originally posted by dekkard
    Well don`t ask Mark Carney!

    Since taking over as governor 5 years ago he`s dithered either way and when he finally made a cut it proved unneeded because it was based on his pessimism about Brexit, which he also got completely wrong.
    • Stan.In.Devon
    • By Stan.In.Devon 13th Oct 17, 1:14 PM
    • 54 Posts
    • 16 Thanks
    Stan.In.Devon
    Just a note to advise of my experience with Post Office Savings. I re-visited them today given their current 1.27% rate, which is competitive as we speak.

    I first had dealings with them a couple of years ago. Customer Service wasn't great then ( I recall I made a complaint at the time). There was an issue then whereby it took 10 days to get funds into my, newly opened account and there were other hiccups at the time. The rate was decent then, but dropped subsequently and I withdrew all but a couple of pounds, thinking that if the rate improved - and if the service improved - then I might return.

    Today I called twice and waited 10 and 20 minutes respectively, listening to a painfully distorted racket being played to me whilst on hold (the machine that plays "music" was evidently not working correctly and it sounded like psychedelic running water.

    The 10 day situation still exists - something to do with the two different banking systems (UK and Ireland) causing the delay in getting the first payment in to your account. However I was told that if my bank dies a transfer in then it's quicker. I will try that shortly and see how it goes.

    I really wanted to boycott them on principle and go to the other provider also paying the same rate (Kent Reliance, who I have been with in the past and they weren't too bad) but as the Post Office account is up and running and passwords in place I decided to stay (and as I recall Kent Reliance Customer Service was in Bangalore so I might not be any better off).

    We shall see.
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