The Top Easy Access Savings Discussion Area

BreakingGlass

My Newcastle BS account was opened last Wed (28th) and I received the Authentication Code in the post today.

Middle_of_the_Road

SonOfPearl said:

Middle_of_the_Road said:

Just received my Newcastle BS nominated account authorisation code. It's the standard peel off tab type.

Me too. Although, once I entered the code the confirmation message read...

Your authentication code has been accepted. Your nominated bank account will be available for online transactions soon. We will send you an email when it is ready.

So I'm still waiting to start using the account for significant balances!

Entered code and now showing all funds available for withdrawal.

FindingBBob

BooJewels said:

Oooh super with Ford.  I was hoping they'd improve their fixes too, but nothing on those recently.

Much like their Easy Access, they seem to move their fixed fairly regularly - hoping for bump too as I have a 1 year maturing in 3 weeks.. 

SonOfPearl

Middle_of_the_Road said:

SonOfPearl said:

Middle_of_the_Road said:

Just received my Newcastle BS nominated account authorisation code. It's the standard peel off tab type.

Me too. Although, once I entered the code the confirmation message read...

Your authentication code has been accepted. Your nominated bank account will be available for online transactions soon. We will send you an email when it is ready.

So I'm still waiting to start using the account for significant balances!

Entered code and now showing all funds available for withdrawal.

Thanks. I've done a test withdrawal which seemed to work. I'll see if it turns up in my current account today. 

pecunianonolet

Just received the below email about changes to T&C's. Not sure but could have an impact on round ups and how we can fill up saving accounts. Of course, nowadays for banks everything is possible and they just need to claim "suspected fraud" and they have a plethora of new rights.

Here’s part of your postcode XXX Email not displaying quite right? Try it in your browser. We’ll always show you part of your postcode, so you know it’s from us and not random spam – just one of the ways we’re keeping you safe online. By clicking on links in this email, you agree to Royal Bank tracking how you engage with our emails to improve our communications to customers.     Hello pecunianonolet, As a bank, we have a duty of care to help protect you and the wider community from the effects of financial crime. To help us undertake this more effectively, we want to let you know about a few changes to the terms of your Personal current account, which will take effect from 11th September 2023.   You can see all the details in the leaflet we’ve included, but here’s a summary of the main changes. You can view the full terms and conditions.   Limits on payments Protecting you from financial crime and fraud is very important to us. That’s why we’re making it clearer that we can set limits on payments to and from your account. These limits can apply to different types of payments, including cash deposits and withdrawals, and payments that we identify as going to areas of high risk of financial crime, such as certain cryptocurrency exchanges. There are more details in the leaflet.   Payment limits change from time to time. We'll always seek to tell you what they are but sometimes (to stay ahead of the criminals) we might not be able to. Cash limits are listed on our website – or you can ask for details in any branch.   Payments It’s now clearer when we have the right to take a payment from your account to repay money that you owe to us, for example, when you’ve received a refund that you weren’t entitled to or where we’ve credited a payment into your account but the funds from the payer’s bank don’t arrive. We’re also clarifying how we apply an exchange rate to foreign currency payments you receive.   Keeping your account safe To further protect you from financial crime and fraud, we're making updates in relation to when we delay or decline to act on your payment request. This might be if you exceed limits on your account or if something unusual happens and we want to investigate this. We're making it clearer that if your payment request breaks the terms of your account, we won't be liable if we delay or refuse to act on it. We’re adding that we can refuse inbound payments if we reasonably believe there to be a high risk of fraud or other criminal activity, and that we can close accounts straight away in the case of abusive tax avoidance schemes.   Your debit card We’re updating our terms to help protect and manage your card.   • We’re clarifying that you shouldn’t alter or modify your card • We’re confirming that when you receive a replacement debit card, we may enrol your new card to the relevant card scheme’s updater service. See leaflet for details.   It’s personal Just a reminder that you shouldn’t use a Personal current account for business banking. Go to our website to find out about our Business accounts.   Have we got the right information? Things change. Maybe you’ve moved home or got a new email address recently. We want to get things right when we’re getting in touch about your account. So if any of your details need updating, please let us know. It would be great if you could give us your mobile number too. This helps us with security when you’re shopping online. Check and change your details using Everyday Banking. Or, if you like, give us a call or visit a branch.   Accessible banking As well as 24/7 messaging in the Mobile App or on our website, you can use Relay UK or SignVideo to get in touch with us. And if English isn’t your first language, we can arrange for an interpreter or translation in more than 150 languages, free of charge.   There’s also Banking My Way, which is a free service that allows you to tell us about any support or adjustments you need us to make to improve your everyday banking experience. For example, if you have a hearing or sight impairment. Your information will be stored so you only need to tell us once. You can do this through Everyday Banking (you’ll need to register) or with our colleagues in branch or over the phone. You can visit our website to find out more.   Reviewing your account It’s important to review your account regularly to ensure it still meets your needs. If you’d like to make any changes to your account, let us know and we’ll be happy to help. If you decide your account isn't suitable any more and you'd like to close it, please let us know and we can help you do this. However, if you’d prefer to close this account and open a new account with another provider, you can use the Current Account Switch Service, which offers a secure and easy way to switch in seven days. If you’re happy with your account and the changes we’re making to your terms and conditions, you don’t need to do anything – any changes will happen automatically.     Thanks, The Current Account Team   This email is confidential. So if you’ve received this instead of the person it was for, please delete it. Need some help? Cora, your digital assistant, is ready to help 24/7 (we can’t receive replies to this email). How we keep you safe   |    Our Privacy Policy   |    Support Centre The Royal Bank of Scotland plc. Registered in Scotland No. SC083026. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Financial Services Firm Reference Number 114724. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

ForumUser7

pecunianonolet said:

Just received the below email about changes to T&C's. Not sure but could have an impact on round ups and how we can fill up saving accounts. Of course, nowadays for banks everything is possible and they just need to claim "suspected fraud" and they have a plethora of new rights.

Here’s part of your postcode XXX Email not displaying quite right? Try it in your browser. We’ll always show you part of your postcode, so you know it’s from us and not random spam – just one of the ways we’re keeping you safe online. By clicking on links in this email, you agree to Royal Bank tracking how you engage with our emails to improve our communications to customers.     Hello pecunianonolet, As a bank, we have a duty of care to help protect you and the wider community from the effects of financial crime. To help us undertake this more effectively, we want to let you know about a few changes to the terms of your Personal current account, which will take effect from 11th September 2023.   You can see all the details in the leaflet we’ve included, but here’s a summary of the main changes. You can view the full terms and conditions.   Limits on payments Protecting you from financial crime and fraud is very important to us. That’s why we’re making it clearer that we can set limits on payments to and from your account. These limits can apply to different types of payments, including cash deposits and withdrawals, and payments that we identify as going to areas of high risk of financial crime, such as certain cryptocurrency exchanges. There are more details in the leaflet.   Payment limits change from time to time. We'll always seek to tell you what they are but sometimes (to stay ahead of the criminals) we might not be able to. Cash limits are listed on our website – or you can ask for details in any branch.   Payments It’s now clearer when we have the right to take a payment from your account to repay money that you owe to us, for example, when you’ve received a refund that you weren’t entitled to or where we’ve credited a payment into your account but the funds from the payer’s bank don’t arrive. We’re also clarifying how we apply an exchange rate to foreign currency payments you receive.   Keeping your account safe To further protect you from financial crime and fraud, we're making updates in relation to when we delay or decline to act on your payment request. This might be if you exceed limits on your account or if something unusual happens and we want to investigate this. We're making it clearer that if your payment request breaks the terms of your account, we won't be liable if we delay or refuse to act on it. We’re adding that we can refuse inbound payments if we reasonably believe there to be a high risk of fraud or other criminal activity, and that we can close accounts straight away in the case of abusive tax avoidance schemes.   Your debit card We’re updating our terms to help protect and manage your card.   • We’re clarifying that you shouldn’t alter or modify your card • We’re confirming that when you receive a replacement debit card, we may enrol your new card to the relevant card scheme’s updater service. See leaflet for details.   It’s personal Just a reminder that you shouldn’t use a Personal current account for business banking. Go to our website to find out about our Business accounts.   Have we got the right information? Things change. Maybe you’ve moved home or got a new email address recently. We want to get things right when we’re getting in touch about your account. So if any of your details need updating, please let us know. It would be great if you could give us your mobile number too. This helps us with security when you’re shopping online. Check and change your details using Everyday Banking. Or, if you like, give us a call or visit a branch.   Accessible banking As well as 24/7 messaging in the Mobile App or on our website, you can use Relay UK or SignVideo to get in touch with us. And if English isn’t your first language, we can arrange for an interpreter or translation in more than 150 languages, free of charge.   There’s also Banking My Way, which is a free service that allows you to tell us about any support or adjustments you need us to make to improve your everyday banking experience. For example, if you have a hearing or sight impairment. Your information will be stored so you only need to tell us once. You can do this through Everyday Banking (you’ll need to register) or with our colleagues in branch or over the phone. You can visit our website to find out more.   Reviewing your account It’s important to review your account regularly to ensure it still meets your needs. If you’d like to make any changes to your account, let us know and we’ll be happy to help. If you decide your account isn't suitable any more and you'd like to close it, please let us know and we can help you do this. However, if you’d prefer to close this account and open a new account with another provider, you can use the Current Account Switch Service, which offers a secure and easy way to switch in seven days. If you’re happy with your account and the changes we’re making to your terms and conditions, you don’t need to do anything – any changes will happen automatically.     Thanks, The Current Account Team   This email is confidential. So if you’ve received this instead of the person it was for, please delete it. Need some help? Cora, your digital assistant, is ready to help 24/7 (we can’t receive replies to this email). How we keep you safe   |    Our Privacy Policy   |    Support Centre The Royal Bank of Scotland plc. Registered in Scotland No. SC083026. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Financial Services Firm Reference Number 114724. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Thanks for that perspective @pecunianonolet - it hadn't crossed my mind but it is a valid point. I got the email from Ulster but not from NW and RBS yet. Perhaps I'll receive them in the next few days, and should fill up the DRSs before then! I doubt the email from Ulster would count as notifying me of changes to NW and RBS too, as they are separate brands.

SeriousHoax

Family building society. 4.35%

https://www.familybuildingsociety.co.uk/

https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/?utm_source=mseandroid&utm_medium=mobile_app&source=MOB_MSEANDROID&utm_campaign=mse_home#easyaccess

tsmiggy54

barafear799 said:

I haven't had anything from NBS (apart from a welcome email) - I'm not sure whether I needed to provide ID - it wasn't explicitly clear - I haven't had any letters in the post at all - I sent them an online form enquiry last week - no response - just tried to phone them and they had a wait time of "up to one hour" - I gave it 24 mins and gave up. I didn't try to "apply again" last week - mainly because I had already sent an opening deposit (of more than £1) to the account details and the initial deposit ref no - so didn't want to create two accounts and have problems unravelling - clearly, they've been overwhelmed with applications - and now with phone calls and other enquiries - let's hope it gets sorted soon (along with the ability to easily withdraw if needed). 

I have now had two welcome letters, but no code to activate my withdrawals. Maybe they own a paper printing company. I have no idea, what to expect next. To be honest it gets quite exciting. 

smithers1981

Tandem lagging will give to end of week before emptying 

gt94sss2

SonOfPearl said:

Middle_of_the_Road said:

Just received my Newcastle BS nominated account authorisation code. It's the standard peel off tab type.

Me too. Although, once I entered the code the confirmation message read...

Your authentication code has been accepted. Your nominated bank account will be available for online transactions soon. We will send you an email when it is ready.

So I'm still waiting to start using the account for significant balances!

I haven't received the email yet but after entering the code the functionality was there after I logged out and back in.