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The Top Easy Access Savings Discussion Area
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Re Tandem - AFAIK when you first open an account with them, you have to manually add the bonus.
With Marcus and Saga, AFAIK when you first open an account with them, the bonus is automatically added.
May be wrong on either one of these - but hopefully this clarifies my point as to why M & S appear at a certain position on the league tables that T does not.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 I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read.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.0 -
Bigwheels1111 said:ForumUser7 said:
Looks like Marcus and Saga automatically add the bonus - tandem does notSanguineOnSaturn said:
Out of interest I wonder why Marcus and Sagas rate gets listed including the bonus and Tandem without.ForumUser7 said:
It’s because of the bonus - they are at 3.75% on the listing, and the bonus is explained in the information panepecunianonolet sLookaid:
Tandem still not showing in the MF list, they should be second place.ForumUser7 said:
Wow, 2 increases in one day - MoneyFacts now updated to reflect 4.11%housebuyer143 said:
4.11% now 👍ForumUser7 said:Oxbury -> 4%Tandem do automatically add the new rate as long as top up is on.
They updated my East access to 4.1% today.Bigwheels1111 said:ForumUser7 said:
Looks like Marcus and Saga automatically add the bonus - tandem does notSanguineOnSaturn said:
Out of interest I wonder why Marcus and Sagas rate gets listed including the bonus and Tandem without.ForumUser7 said:
It’s because of the bonus - they are at 3.75% on the listing, and the bonus is explained in the information panepecunianonolet sLookaid:
Tandem still not showing in the MF list, they should be second place.ForumUser7 said:
Wow, 2 increases in one day - MoneyFacts now updated to reflect 4.11%housebuyer143 said:
4.11% now 👍ForumUser7 said:Oxbury -> 4%Tandem do automatically add the new rate as long as top up is on.
They updated my East access to 4.1% today.My question was about the listing of Tandem on Moneyfacts. Tandem is ranked by their non 'top-up' rate and Marcus and Saga include their bonus rate. The answer seems to be whether the bonus is applied automatically on account opening or not.I can confirm with Tandem as I have this account that the top up needs turning on manually.
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I understand continually moving monies to chase the best EA rates can be a little time consuming it’s no biggie.It’s all very individual some will move accounts for a 0.1-0.3% gain, and that’s either because their balance is high or they just do it out of principal and whatever each of us decide is right for us.
what I’m not as sure on is why some seem to aggrieved at certain institutions not passing in rate raises.Every lender has their own goals and criteria for how much money they need and want to bring in at any one time based on what they need the money for. If an institution isn’t upping rates it’s easy as pie to switch3 -
Just waiting on Shawbrook reaching 4%+ now
cant believe the account was paying 0.89% when I opened it about a year or so ago!
Pinch me 😳2 -
The point is that we shouldn't have to keep switching. They get us in on a good rate, then don't raise the rates even though the BoE rate has moved up 1% in some cases, eg Virgin MoneyVNX said:I understand continually moving monies to chase the best EA rates can be a little time consuming it’s no biggie.It’s all very individual some will move accounts for a 0.1-0.3% gain, and that’s either because their balance is high or they just do it out of principal and whatever each of us decide is right for us.
what I’m not as sure on is why some seem to aggrieved at certain institutions not passing in rate raises.Every lender has their own goals and criteria for how much money they need and want to bring in at any one time based on what they need the money for. If an institution isn’t upping rates it’s easy as pie to switch
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housebuyer143 said:
4.11% now 👍ForumUser7 said:Oxbury -> 4%
I guess that is partially prempting the rate rise tomorrow, which some think may be 0.5% and I hope they do. It still will be miles from taming inflation - they need to get to 10% plus
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PBS ODI likely going up - not currently on MoneyFacts. Last time was removed after midnight, and increased shortly after and re-displayedIf 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.0 -
4.15%! Source ~ MoneyFactsForumUser7 said:PBS ODI likely going up - not currently on MoneyFacts. Last time was removed after midnight, and increased shortly after and re-displayed
Principality BS Online Double Access Issue 2If 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.4 -
Showing on my ac now.ForumUser7 said:
4.15%! Source ~ MoneyFactsForumUser7 said:PBS ODI likely going up - not currently on MoneyFacts. Last time was removed after midnight, and increased shortly after and re-displayed
Principality BS Online Double Access Issue 21 -
In the ToTP Top 10 the cut moves above 3.85%...
A busy day ahead...?3
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