The Top Easy Access Savings Discussion Area

SirHugo

patpalloon said:

I opened the Investec 90 day saver. I know it's not easy access, but if you can live with the 90 day notice period - you get 3.5% interest paid monthly. The suits me as right now I want the best regular monthly interest and can afford to keep some capital locked away for a short time. I already had a Easy Access account so opening this one was easy peasy. This seems like the best of both worlds.

Thanks, I didn't know about this but it looks good to me and I also still have my Easy Access account. Funnily enough I was checking out the details and literally just received an email from Investec about it. 

Been using the Zopa 95 day pots (ladder system) but will start moving to this Investec 90 day saver now.

ranciduk

chris_the_bee said:

Text received from Shawbrook increasing EA rate from 3.01%  to 3.06% WEF 16th February.

Yep didn’t need to send a secure message this time - they just did it automatically and sent text 

2010

Very impressed with Paragon, all set up online within 10 minutes.
Within 30 minutes received username and could login and the account was already to be funded.
Following day received by post my authentication code.
Faster payments go through and are notified by email within two hours.
Top marks, other providers should take note.

patpalloon

MrPG said:

New Chase offer on cashback. Just received this email. Looks like they want to keep business.

Good news – your new cashback offer is coming soon! With monthly cashback, you'll be able to be rewarded for your everyday debit card spending for up to 12 more months1. While we get monthly cashback ready, we're going to keep giving you 1% cashback2 on your everyday debit card spending with your current offer until 00:00 on 1 April 2023. And that's not all... Starting in April, you'll earn 1% AER interest3 on all your current account balances. It's another way for you to get more from your money – as part of our promise of rewarding banking. We'll let you know when it's ready. How monthly cashback will work ·     From 1 March 2023, pay in £500 to your Chase current account each month to qualify (excludes internal transfers) ·     Then the next month, you'll be able to earn 1% cashback – up to £15 – on your everyday debit card spending ·     Qualify each month to earn cashback the next month, for up to 12 months

How long have you had Chase? I've been with them since April 22 and had the email about 1% interest on the current account from April but not the cashback continuing.

CheekyMikey

Nick_C said:

jak22 said:

1% interest on the current is handy but maybe we can just txfer £500 out and back in to the current once a month to trigger the cashback which is pretty instant.

From an external account, yes.  From Chase Savings, no.

The 1% on the current account is of little benefit to me.  The only time I have money in Chase Current is to cover debit card transactions.  There is rarely a positive balance at the end of the day.

Chase Savings is brilliant in allowing multiple scheduled faster payments, SOs and DDs.  The only point of using the Current Account is for the cashback on the debit card.

Not quite the only point…it’s great for using when abroad as you get an excellent Mastercard exchange rate and no transaction fees either when using to purchase items or at ATMs, plus you get the 1% cash back on purchases too. So just before you go on holiday, pop £500 in the current account and happy days…leave your credit card at home

cloud_dog

CheekyMikey said:

Nick_C said:

jak22 said:

1% interest on the current is handy but maybe we can just txfer £500 out and back in to the current once a month to trigger the cashback which is pretty instant.

From an external account, yes.  From Chase Savings, no.

The 1% on the current account is of little benefit to me.  The only time I have money in Chase Current is to cover debit card transactions.  There is rarely a positive balance at the end of the day.

Chase Savings is brilliant in allowing multiple scheduled faster payments, SOs and DDs.  The only point of using the Current Account is for the cashback on the debit card.

Not quite the only point…it’s great for using when abroad as you get an excellent Mastercard exchange rate and no transaction fees either when using to purchase items or at ATMs, plus you get the 1% cash back on purchases too. So just before you go on holiday, pop £500 in the current account and happy days…leave your credit card at home

I don't care how much cash back is available, I never use my bank debit cards abroad.  But then I am paranoid.

MrPG

patpalloon said:

MrPG said:

New Chase offer on cashback. Just received this email. Looks like they want to keep business.

Good news – your new cashback offer is coming soon! With monthly cashback, you'll be able to be rewarded for your everyday debit card spending for up to 12 more months1. While we get monthly cashback ready, we're going to keep giving you 1% cashback2 on your everyday debit card spending with your current offer until 00:00 on 1 April 2023. And that's not all... Starting in April, you'll earn 1% AER interest3 on all your current account balances. It's another way for you to get more from your money – as part of our promise of rewarding banking. We'll let you know when it's ready. How monthly cashback will work ·     From 1 March 2023, pay in £500 to your Chase current account each month to qualify (excludes internal transfers) ·     Then the next month, you'll be able to earn 1% cashback – up to £15 – on your everyday debit card spending ·     Qualify each month to earn cashback the next month, for up to 12 months

How long have you had Chase? I've been with them since April 22 and had the email about 1% interest on the current account from April but not the cashback continuing.

I've been using them since Feb 22, think that was very early in the launch.

janusd

patpalloon said:

How long have you had Chase? I've been with them since April 22 and had the email about 1% interest on the current account from April but not the cashback continuing.

i've been with them since the end of March 22 and I got the same email as @mrpg (cashback and 1%).

have you had a lot of cashback from them in the last year? wondering if that's the reason for them not renewing the cashback in your case ??

jaypers

I’ve also had an email offering me 1% on the current account from April with no minimum deposit etc, but nothing about extending my cashback. Only have Chase for the cashback really now so it will be goodbye Chase. 

Nick_C

CheekyMikey said:

Not quite the only point…it’s great for using when abroad as you get an excellent Mastercard exchange rate and no transaction fees either when using to purchase items or at ATMs, plus you get the 1% cash back on purchases too. So just before you go on holiday, pop £500 in the current account and happy days…leave your credit card at home

Off topic, but I use Curve plus Avios Barclaycard during the week and Chase at weekends.  Still need a proper credit card (Halifax Clarity) for car hire though.