The Top Easy Access Savings Discussion Area

S_uk

dgpur said:

S_uk said:

dgpur said:

Every time I see something new with a higher rate on here it turns out to have a catch - £500 minimum transaction, £1000 minimum in the account, needs ID documents, limits how many times you can take money out in a year

I'm glad I opened the Newcastle account now as there were none of these catches (I know some have had to provide ID but I didn't). I'm glad I can also do same working day withdrawals as it wasn't clear at first whether you could, which for me is a big advantage over shawbrook.

Yes, it does seem to have been a good prospect. Sadly I was too ill to take advantage before it closed. Maybe they’ll be back with an even better offer?

Possibly. Ford is decent too but I only hold a pound in it now. I noticed Ford's time to withdraw by for same working day clearing is slightly earlier than Newcastle (1pm vs 4pm).

2010

S_uk said:

dgpur said:

Every time I see something new with a higher rate on here it turns out to have a catch - £500 minimum transaction, £1000 minimum in the account, needs ID documents, limits how many times you can take money out in a year

I'm glad I opened the Newcastle account now as there were none of these catches (I know some have had to provide ID but I didn't). I'm glad I can also do same working day withdrawals as it wasn't clear at first whether you could, which for me is a big advantage over shawbrook.

Finally got my authentication code today and made a small withdrawal at 1-30 pm, checked later and it had arrived into nominated account.
Cut off time for same working day,I believe is 4 pm.

The other point about receiving emails to say your payment has been received, I`ve never had one and have made four deposits since opening.

oz0707

cadguy77 said:

oz0707 said:

Sorry for another NBS post. Put £1 in via debit card when opened account a week or so ago and still not showing on the NBS log in. Do we think something has gone wrong or do I just need patience? I know the card payments sometimes take a bit longer

I never saw an option to pay in via debit card into NBS, nor do I now

Maybe it was via transfer and im mistaken. I must have used the wrong reference?

oz0707

PloughmansLunch said:

SeriousHoax said:

Cynergy Bank 4.30%

https://www.cynergybank.co.uk/personal/online-easy-access-account/online-easy-access-account/

One more marginally lower Cynergy EA account to consign to the graveyard then!

Whats the sums between 85k at 4.3 vs top easy access account which are still available. Cant be much difference. 

Boogie83e

patpalloon said:

Question for all - 

Would you leave more than 85k in any one institution?

Yes...£439 interest in one month, Santander. Now thinking of two different  6.10% fixed rate (1 year) 85k accounts.

oz0707

I've just re done the payment to NBS with account number. I think problem seems to be that account wasn't open when I did initial transfer and I used reference give on application. Wonder if that pound will come back or lost in the ether?!

dgpur

S_uk said:

dgpur said:

S_uk said:

dgpur said:

Every time I see something new with a higher rate on here it turns out to have a catch - £500 minimum transaction, £1000 minimum in the account, needs ID documents, limits how many times you can take money out in a year

I'm glad I opened the Newcastle account now as there were none of these catches (I know some have had to provide ID but I didn't). I'm glad I can also do same working day withdrawals as it wasn't clear at first whether you could, which for me is a big advantage over shawbrook.

Yes, it does seem to have been a good prospect. Sadly I was too ill to take advantage before it closed. Maybe they’ll be back with an even better offer?

Possibly. Ford is decent too but I only hold a pound in it now. I noticed Ford's time to withdraw by for same working day clearing is slightly earlier than Newcastle (1pm vs 4pm).

Ford’s role for me, currently, is as a backup account, just in case something goes awry with Chip. But I’d be happier if a quick access all-hours bank would offer something. Feels like Tandem are playing slow motion catch up and Zopa have left the game. Atom hardly seem to care anymore.

Mrnkar_2

oz0707 said:

I've just re done the payment to NBS with account number. I think problem seems to be that account wasn't open when I did initial transfer and I used reference give on application. Wonder if that pound will come back or lost in the ether?!

When I first opened my account I used the reference number that they told me to use for an initial deposit in a email. I made a small deposit using it from my current bank account and waited a day for it to appear in the Newcastle account. It didn't but on checking my bank I discovered the deposit had been returned. Meanwhile I had received another email with my account reference number so I again made a small deposit using that and it was in my account in a few hours. 

patpalloon

Boogie83e said:

patpalloon said:

Question for all - 

Would you leave more than 85k in any one institution?

Yes...£439 interest in one month, Santander. Now thinking of two different  6.10% fixed rate (1 year) 85k accounts.

Which Santander account is that?

ircE

ICYMI Coventry BS' Limited Access Saver (Online) (8) rises to 4.30% from tomorrow 7th July. Max 6 withdrawals p.a.