The Top Easy Access Savings Discussion Area

soulsaver

soulsaver said:

BigBlueSky said:

Is 2pm the cut-off time for deposits into the Newcastle BS account to show up the same working day ?

Don't think so, if it is, I fluked a 5 figure sum into it well after 2pm showing in NBS c 3.30pm. Tried another  £20k  few mins ago, at 16.25. 
CS on phone (exceeded daily app limit) at FD says it'll get there this afternoon 'subject to checks'.

ETA corrections

JFYI: The 16.25pm deposit didn't show up that afternoon, or the early hours of Saturday.. but it was shown c.10.00 am when I checked later Saturday.

masonic

Futuristic said:

Zopa_Trooper said:

TiVo_Lad said:

The Newcastle Account is No Longer Available.

Thank god for that. Jezz, hundreds of posts about the same account, earning a few pence more than Chip and likely to beaten in the next 7 days. Next time, any chance there can be a thread on the one provider so the rest of us not interested don't have to wade through.

It has nothing to do with the amount but the fact it will ALWAYS be -0.7% of the BoE rate automatically, all the people with the NBS tracker now will probably disappear a long time whilst you keep checking every week to see if Chip can beat the next #1. Remember that Chip aren't a bank or BS, they depend on clear bank. They will be top for as long as they can afford to. 

If you need to go in & out frequently at any moment then sure go for Chip, the NBS was no brainer otherwise. 

I'm very curious how these will all do when we get to the point of no more hikes / on the way down  

They'll need to keep checking, as historically base rate -0.7% isn't that great. Your point I've bolded is very prescient, but the gap could close even before that.

2010

I can`t see anymore higher rates from providers until after the BoE on the 3rd Aug, even then the BoE may think they did enough with the .5% last time to leave them alone.
Maybe we`re at the top until 21st Sept.

Silverbullet036

May be the wrong place but a lot of folks will have Al Rayan accounts on this thread. I seem to have made a mess up of my log in into Al Rayan and its locked me out. I guess I went over the 3 failed attempts , inattention from me so my own mistake. I will give them a call Monday to see if its easily sortable but has anyone else had this issue and got it resolved very quickly ?

Doctor_Who

Silverbullet036 said:

May be the wrong place but a lot of folks will have Al Rayan accounts on this thread. I seem to have made a mess up of my log in into Al Rayan and its locked me out. I guess I went over the 3 failed attempts , inattention from me so my own mistake. I will give them a call Monday to see if its easily sortable but has anyone else had this issue and got it resolved very quickly ?

I have lots of Al Rayan accounts and am just opening another 1 year fix. Never been locked out of Digital banking, although their web login process of scanning the on-screen code with the app hasn't been perfect for me. The app has worked fine with fingerprint authentication. Phone them on Monday, they are very helpful and will get it sorted.

janusd

Futuristic said:

Zopa_Trooper said:

TiVo_Lad said:

The Newcastle Account is No Longer Available.

Thank god for that. Jezz, hundreds of posts about the same account, earning a few pence more than Chip and likely to beaten in the next 7 days. Next time, any chance there can be a thread on the one provider so the rest of us not interested don't have to wade through.

It has nothing to do with the amount but the fact it will ALWAYS be -0.7% of the BoE rate automatically

apologies for being a pedant, but it won't "ALWAYS" track the base rate - only until the 31st December 2025.

janusd

Silverbullet036 said:

May be the wrong place but a lot of folks will have Al Rayan accounts on this thread. I seem to have made a mess up of my log in into Al Rayan and its locked me out. I guess I went over the 3 failed attempts , inattention from me so my own mistake. I will give them a call Monday to see if its easily sortable but has anyone else had this issue and got it resolved very quickly ?

I had that happen to me - think I posted about it either in this thread or an Al Rayan one... took a while to get through to speak to someone (though it is a freephone number), they had an earworm of the same one track repeatedly playing whilst waiting (if you listen to it for a while it stays with you!)... but once through to an agent, they were very helpful and resolved it quickly.

PhilFox1985

2010 said:

I can`t see anymore higher rates from providers until after the BoE on the 3rd Aug, even then the BoE may think they did enough with the .5% last time to leave them alone.
Maybe we`re at the top until 21st Sept.

Market seems pretty set that we'll get at least a 0.25% increase in the August meeting.

CPI monthly figures are next released on 19 July. That will potentially influence the decision, the key figure is core CPI inflation. If that was to fall quite considerably (which would be bucking the trend, its currently rising) the BoE would then most likely consider a pause in rate hikes. 

Of course if it were to continue rising, a 0.5% increase could then become far more likely. 

2010

PhilFox1985 said:

2010 said:

I can`t see anymore higher rates from providers until after the BoE on the 3rd Aug, even then the BoE may think they did enough with the .5% last time to leave them alone.
Maybe we`re at the top until 21st Sept.

Market seems pretty set that we'll get at least a 0.25% increase in the August meeting.

CPI monthly figures are next released on 19 July. That will potentially influence the decision, the key figure is core CPI inflation. If that was to fall quite considerably (which would be bucking the trend, its currently rising) the BoE would then most likely consider a pause in rate hikes. 

Of course if it were to continue rising, a 0.5% increase could then become far more likely. 

You are quite right it`s all down to the latest figures.
Whatever happens, all those who took advantage of NBS 4.3% tracker can`t lose.

Nova1307

soulsaver said:

Zaul22 said:

t33 said:

Has the dust settled on the latest increases post BofE rate announcement?  Any of the bigger players or banks likely to trouble the top 10 yet to announce?  I'm aware of Charter Savings to come (increase unknown I think).  Any others?  or largely done with for now?

Everyone has moved but I wouldn't be surprised if Tandem make a 2nd move since their first was before the base jump and when everyone was expecting only 25 points. Likely Shawbrook will increase again a week or 2 after that. 

Aldermore is lagging...

I've started to transfer out. No doubt they'll increase their rate just as I've emptied the account - like Investec and Al Rayan did. The joys.