The Top Easy Access Savings Discussion Area

mebu60

janusdesign said:

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!

it's worth remembering with Cynergy that when you close an old issue and transfer the balance to a new one, you will also need to setup any text alerts again for the new account - as the previous settings were linked to the now closed account and have been removed.

also, while I remember - you seemingly cannot use apostrophes with their secure messaging system - spent ages a few weeks ago trying to get a message sent and it only did so after I removed all the apostrophes from the text.

Also, when you're replying to their reply and typing stops it's because there is a 1000 character limit so you have to delete some of their response to be able to continue your reply. And typing into secure message does not count as activity on the site so be prepared to be timed out. There is a warning message and you can extend the time. Or compose your message offline then cut & paste in. 

allegro120

mebu60 said:

lcooper said:

jaypers said:

Was just considering opening a Shawbrook account until I saw the inflexible and completely ridiculous security questions. Favourite teacher is one…….I never had a favourite teacher! How would I ever remember in the future if I ever needed it? And you would be wrong thinking this was a one-off……oh no, favourite historical character. Nope, don’t have one or if I did I might decide it’s a different one next week. 

For these kind of questions, I never answer with information that someone else might know. For example, I would never use my mother's actual maiden name when they ask for mother's maiden name - because too many people know what her maiden name was.

I have a set of fake answers to all these questions:

• mother's maiden name
• favourite teacher
• first car
• first job
• favourite / first pet
• favourite sport
• favourite food
• memorable place
• memorable date
• memorable name
  
• etc etc etc

I use the same answers with all financial services providers. None of them has a means of verifying the answers - the only thing that matters is that you remember what answer you gave. It's essentially just another kind of password that you can choose freely.

I do exactly the same. And keep the answers short. Usually 4 characters works for word answers. 

Usually, but not always.  I opened FirstSave fixed yesterday and all the answers had to contain 8+ characters so i had to invent the new answers and write them down.

soulsaver

Gatehouse 4.15% Competitive notice savings accounts | Gatehouse… | Gatehouse Bank plc

Stll says:

"We're sorry, our Easy Access Account is currently under review."

Doesn't appear available to new customers, maybe available to existing customers?

PS I know rate is applied to existing EA accounts.

Freebird53

Do all these savings accounts use 2FA?

Zaul22

It's not a requirement to be on the list but out of the top few: Chip, no because it's an app in the first place. Cynergy, basically yes. Shawbrook, Yes. Coventry, yes. 

CompulsiveSaver

mebu60 said:

ForumUser7 said:

Kent Reliance new rates effective 11th July - nothing to tempt me back!

https://www.kentreliance.co.uk/interest-rates

My £1 in the latest issue gets to stay at 3.65% while some of the older issues are slightly higher. All pathetically below market leaders. 

Have to agree obviously Kent Reliance don't want our money; I have one of the direct savers (admittedly a year or two old) paying 4% from next week, which puts them in direct competition with Marcus, who do transfers (and online updates) within minutes, not the next day or two...
Wonder if Kent Reliance will take the hint; you are not providing an equivalent service, so need to pay higher rates!

So my £50K will be leaving Kent Reliance soon (I am certain they won't lose any sleep), but it probably won't go to Marcus as there are so many paying better than 4% now.

phillw

allegro120 said:
Usually, but not always.  I opened FirstSave fixed yesterday and all the answers had to contain 8+ characters so i had to invent the new answers and write them down.

I tried to sign up to an account (can't remember who) and the minimum and maximum were so strict, there weren't any questions I could give the real answer to.

MBR1

I swap between these three every year, they offer easy access and goot rates. Sainsburys, santander, cynergy.

tg99

Did someone previously mention Secure Trust Access issue 7 rate had gone up? I’ve not funded yet and not received any rate change notification…..I have it down as 3.85% at time of application? 

Beddie

Freebird53 said:

Do all these savings accounts use 2FA?

No, they do not. Only you can decide if that's an issue. It's not, for me.