The Top Easy Access Savings Discussion Area

Freedommm

Still heard no response from Oxbury since yesterday. How long so they take to open an account? 

mayweather

I’m with shawbrook and chip, spreading between the two.

are their interested rates expected to follow suit with oxbury etc, should I start moving it or hold of to see what rates emerge?

artyboy

I'm a bit late to this party as I've still got
money in a 3.2% Santander esaver that was at one point market leading but has stubbornly not moved since.

As soon as a 4%+ account materialises that has unlimited withdrawals, allows joint names, and doesn't require an app... well then it's bye bye Santander.

VNX

Freedommm said:

Still heard no response from Oxbury since yesterday. How long so they take to open an account? 

When I opened Oxbury it was opened straight away

Doctor_Who

Does anyone find it odd that Zopa are offering 3.59% AER through HL (here), but only 3.52% through their own app? Their rates haven't been great for some time, but this looks like they've lost the plot!

mamoulian666

mayweather said:

I’m with shawbrook and chip, spreading between the two.

are their interested rates expected to follow suit with oxbury etc, should I start moving it or hold of to see what rates emerge?

Chip have tended to lead, I would expect them to match or slightly beat 4.15 shortly.

Last month the rate change was 10th May, Shawbrook upped their rates on 26th May. Quite laggy.
They upped again on 13th June, perhaps that was because they were sure that the BOE was going to raise rates again, if so then perhaps we've already had the raise due to yesterday. But the BOE raise was a larger rate than expected so perhaps there will be another bump from Shawbrook but it might take a couple of weeks.

That's too late, Shawbrook!

I'll get bored of shifting money about soon. But not yet.

georged123

artyboy said:

I'm a bit late to this party as I've still got
money in a 3.2% Santander esaver that was at one point market leading but has stubbornly not moved since.

As soon as a 4%+ account materialises that has unlimited withdrawals, allows joint names, and doesn't require an app... well then it's bye bye Santander.

I have the same Santander account and moved most of my money out of there a few weeks ago, got bored waiting for them to become competitive again.

Will probably open the easy access account with Atom, already have a fix with them and find the layout on the app really simple and clear.

jaypers

searching4bestrates said:

Believe it or not, Atom have finally shifted to 3.88% gross / 3.95% AER...!

About time too. I moved my money out some time ago as they have been stuck at 3.2% for ages. Still not enough for me to bother moving any back as yet so their loss. 

searching4bestrates

jaypers said:

searching4bestrates said:

Believe it or not, Atom have finally shifted to 3.88% gross / 3.95% AER...!

About time too. I moved my money out some time ago as they have been stuck at 3.2% for ages. Still not enough for me to bother moving any back as yet so their loss. 

I've just seen this was notified earlier this morning so deleted my duplicate post! I agree, but a significant welcome increase after such a long lag at 3.2%.

refluxer

Doctor_Who said:

Does anyone find it odd that Zopa are offering 3.59% AER through HL (here), but only 3.52% through their own app? Their rates haven't been great for some time, but this looks like they've lost the plot!

It's not too surprising as banks often offer slightly higher rates through some of the savings marketplace sites. What is surprising to me is that that account at 3.59% is the highest easy access account that HL currently offer, which is obviously poor when you consider what is currently available.