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The Top Easy Access Savings Discussion Area

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Comments

  • SJMALBA
    SJMALBA Posts: 1,105 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    flobbalobbalob said:
    SJMALBA said:
    jaypers said:
    I’ve used Investec for last year or so and had no issues with opening or managing the accounts. Don’t really understand the issues some people have reported. Standard due diligence ID checks were seamless for me. Payments in and out work like a dream. Nothing but a good experience with them. 
    They state that a smartphone and passport or photocard driving licence are required - this is not standard, IME, for opening a savings account.
    I am, what I think is called, invisible for credit checks. Banks use soft a credit check instead of asking for copies of documents. For me the norm is thay let me go through the whole application process and allow me to deposit, then say they need more info. Very often they ask for hard certified copies before they will allow me to acces my funds. I have old savings accounts that were easy to open at the time but subsequently frozen pending proof of ID as well. It's only recently that the newer banks have allowed me to prove my details electronically and at last I can take full advantage of this forum. So be aware that instantly and easily opening a new account does not mean you will be except in the future.
    I never put money into an account until it is fully open and I can access it online.

    It certainly seems to be the 'direction of travel' that there will be ever more onerous ID requirements - a bridge to be crossed as and when, but, still plenty of options available that aren't so restrictive, thankfully... for the time being, at least.
  • ForumUser7
    ForumUser7 Posts: 2,504 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    edited 2 June 2023 at 10:39AM
    Kent Reliance Issue 59 EA at 3.65%

    Tied with Secure Trust Bank at TOTP spot 10 @soulsaver

    https://www.kentreliance.co.uk/savings/easy-access-savings-account

    £1k min etc.
    If you want me to definitely see your reply, please tag me @forumuser7 Thank you.

    N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.
  • janusd
    janusd Posts: 1,068 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    not sure if it's been mentioned, but Monument Bank now has an EA account paying 3.73% that looks to be app-only - you need to have a minimum of £25k saved with them, but that can be spread between it's EA and Fixed accounts.
  • SJMALBA
    SJMALBA Posts: 1,105 Forumite
    1,000 Posts Fourth Anniversary Photogenic Name Dropper
    edited 2 June 2023 at 10:52AM
    ForumUser7 said:
    Kent Reliance Issue 59 EA at 3.65%

    Tied with Secure Trust Bank at TOTP spot 10 @soulsaver

    https://www.kentreliance.co.uk/savings/easy-access-savings-account

    £1k min etc.
    Secure Trust Bank seems to be 3.8%.

    https://www.securetrustbank.com/savings/access-accounts/access-account

    min. 1k for each deposit, though.
  • ForumUser7
    ForumUser7 Posts: 2,504 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    SJMALBA said:
    ForumUser7 said:
    Kent Reliance Issue 59 EA at 3.65%

    Tied with Secure Trust Bank at TOTP spot 10 @soulsaver

    https://www.kentreliance.co.uk/savings/easy-access-savings-account

    £1k min etc.
    Secure Trust Bank seems to be 3.8%.

    https://www.securetrustbank.com/savings/access-accounts/access-account

    min. 1k for each deposit, though.
    Good point, you’re the first to spot that I think - MoneyFacts and TOTP list need to be updated


    If you want me to definitely see your reply, please tag me @forumuser7 Thank you.

    N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.
  • Expotter
    Expotter Posts: 372 Forumite
    Third Anniversary 100 Posts Name Dropper
    Regarding Hampshire Trust Easy Access, does anyone know whether they tend to increase rates for their existing accounts, or do they keep releasing new issues and if so, how easy is to transfer to the new accounts every time?
  • mebu60
    mebu60 Posts: 1,690 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Expotter said:
    Regarding Hampshire Trust Easy Access, does anyone know whether they tend to increase rates for their existing accounts, or do they keep releasing new issues and if so, how easy is to transfer to the new accounts every time?
    I came in on Issue 9 and it has been new Issue 11 for uplift to 3.82%. I did over the phone this morning, can take up to 48 working hours to show online apparently. There is also an email option for existing savers. 
  • janusd
    janusd Posts: 1,068 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Expotter said:
    Regarding Hampshire Trust Easy Access, does anyone know whether they tend to increase rates for their existing accounts, or do they keep releasing new issues and if so, how easy is to transfer to the new accounts every time?
    they haven't automatically updated my issue 9, but I emailed them ten minutes ago about it - I assume they will either update the issue on the existing account, or open a new account and transfer the balance across (hopefully the former rather than the latter).
  • financehelp23
    financehelp23 Posts: 49 Forumite
    Second Anniversary 10 Posts
    I prefer monthly interests which I can see clearly the earning. Investec is good rate ,monthly interest, fast payment and easy use online.  
  • BigBlueSky
    BigBlueSky Posts: 697 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    I'm looking for an account that is almost instant transfers in/out (like Marcus).  Which would be best for that ?

    Hampshire Trust Bank - Online Easy Access Account (Issue 11)
    or     Investec Bank plc Online Flexi Saver

    Thanks in advance
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