The Top Easy Access Savings Discussion Area

boingy

masonic said:

Thanks, given that, Chip is going to be in for a very tough time after rates peak and perhaps start falling, 

I agree, although it's not just Chip. It's a whole bunch of them that are currently making hay while the sun shines. I'm aiming to ride that train then jump into some fixed rates in a few months. It's hard to time but I'll spread it over 3 or 4 months. I've currently got a surplus of cash thanks to a pension lump sum so the next few years is a game of maximising gains whilst gradually funnelling it into various ISAs at different risk levels and fixed-ness.

S_uk

Silverweed said:

Just a quick question please - does anyone that has the Newcastle Easy Access Base Tracker Account know if there is a cut off time for withdrawals to nominated account so that they are actioned the same day?  

Thanks in advance for any help. 

4pm for it to clear same working day.

patpalloon

Barkin said:

patpalloon said:

Investec EA now 4.38%o

That's monthly. 

AER = 4.47%

I have monthly interest

grumbler

patpalloon said:

Barkin said:

patpalloon said:

Investec EA now 4.38%o

That's monthly. 

AER = 4.47%

I have monthly interest

If you don't withdraw it, the annual would be 4.47%

bumblebee200

I appreciate Zopa doesn't have the best rates, but really like the separate pots with different rates depending on notice periods - does any one else offer this?

Barkin

I'm struggling go understand why that's a plus point right now. 

There are loads of EA accounts with a better rate than their 95 day pot.

redmalc

I deposited the full 85k max into Shawbrook easy access account a few months ago and what I like is they automatically give you the increased rate every time they change without having to close your account and open a new one 

Eirambler

poppystar said:

Saga Easy Access web page ‘being updated’ …another last minute before BoE meets increase in rate for Marcus/Saga I wonder?

Marcus up to an extremely underwhelming 4.3%AER overnight.

Their cash ISA is also up to 4.3% which is more competitive in terms of that market but you can't transfer in so that is not a whole lot of use either.

BreakingGlass

redmalc said:

I deposited the full 85k max into Shawbrook easy access account a few months ago and what I like is they automatically give you the increased rate every time they change without having to close your account and open a new one 

No they don’t. Often an interest rate rise only applies to a new issue, so you have to message them to ask for your account to be moved to this new issue. 

See here: https://forums.moneysavingexpert.com/discussion/comment/80125527/#Comment_80125527

patpalloon

Eirambler said:

poppystar said:

Saga Easy Access web page ‘being updated’ …another last minute before BoE meets increase in rate for Marcus/Saga I wonder?

Marcus up to an extremely underwhelming 4.3%AER overnight.

Their cash ISA is also up to 4.3% which is more competitive in terms of that market but you can't transfer in so that is not a whole lot of use either.

Marcus always behind the curve. I'm expecting Tandem to make a move today.