The Top Easy Access Savings Discussion Area

chris_the_bee

housebuyer143 said:

How do I check the rate I am getting at Newcastle on the app? It just links me to the website and a savings pdf from July. I want to ensure the rate has now increased with base rate rise.

It increases on 10th August, 5 working days after BOE rate change.

chris_the_bee

artyboy said:

Eirambler said:

How is app only banking different to online only banking in practice - are there really that many people who are capable of managing an online account but can't manage an app? Would have said an app was easier, if anything.

I'm not averse to app only banking (I always use apps where available) but I've not seen one yet that offers joint accounts, which is something Mrs Arty and I have always had. Yes, you could always have one each with half as much in but frankly that's a bit of a faff and we'd rather not compromise.

It's not like it makes much financial sense to hold masses of cash in instant access accounts anyway, at least not over the longer term.

Some people may not have a modern mobile phone & therefore cannot use Apps.

chris_the_bee

Eirambler said:

How is app only banking different to online only banking in practice - are there really that many people who are capable of managing an online account but can't manage an app? Would have said an app was easier, if anything.

Some people may not have a modern mobile phone & therefore cannot use Apps.

NotWhereIWantToBe

MatthiasSchilf said:

My wife tried to open a Tandem EA account yesterday at about 5pm and the ID checks are STILL pending. Anyone else having this problem? I assume it is because they have been deluged by applications as she has never had this problem with any other savings account application (usually instant).

I’ve had exactly the same experience with no contact from tandem at all. 

chris_the_bee

AndrewSteele888 said:

Does any know the minimum balance for Family BS online Saver (5) struggling to find in on their website?

£100.00 Min Bal. Rate now 4.45%

Wheres_My_Cashback

chris_the_bee said:

Eirambler said:

How is app only banking different to online only banking in practice - are there really that many people who are capable of managing an online account but can't manage an app? Would have said an app was easier, if anything.

Some people may not have a modern mobile phone & therefore cannot use Apps.

Self exclusion, their choice. 

janusdesign

chris_the_bee said:

AndrewSteele888 said:

Does any know the minimum balance for Family BS online Saver (5) struggling to find in on their website?

£100.00 Min Bal. Rate now 4.45%

it's 4.55% AER since last Thursday.

Bridlington1

Newbury have now announced their savings rate increases from 17/8/23:
Welcome to Newbury will rise to 4.25%
Existing member to 4.35%

Not great by any stretch of the imagination IMHO but may be of use for those who have them.

TiVo_Lad

Bridlington1 said:

Newbury have now announced their rate increases:
Welcome to Newbury will rise to 4.25%
Existing member to 4.35%

While you're down in that part of the world, could you tootle down the M4 to Cardiff and give Principality a kick?

poppystar

BooJewels said:

I'm not keen on app only banking.  I do use banking apps routinely for daily management, but there are several reasons why I prefer to have the option of web based account management too.  A large one being that I have Reynauds and often have difficulty using touch screens and prefer when setting up a new payee or making transfers, where typing numbers accurately matters, to use a keyboard and mouse than rely on my tricky fingers.  Not to mention that some of the apps have really tiny numbers on some of these sorts of screens.  So for important stuff, I prefer my PC.

So glad it’s not just me! Eventhough I have a fairly large iPhone I really struggle with exactly those issues. I don’t mention it much as I get the raised eyebrows and old person looks!! I do worry about everything now going to Apps.  [Even the eye hospital I’m under sends everything out to smartphone only - it’s an eye hospital so it’s for people with vision issues and many are also elderly🙄😡]. I feel I need the option to use a larger screen and have online access so that does play a part in which accounts I choose.