The Top Easy Access Savings Discussion Area

vic_sf49

poppystar said:

I’m in a bit of a pickle with Santander. I opened the account this morning quite successfully as a new customer. I then checked my email and there was the welcome letter there with ID and info to wait for two posted letters for Password and Temporary Security ID. All good.

Now, many years ago, pre internet banking, I had a very old account with Santander that I closed probably fifteen years ago. I did give them an email address then although had no reason to use it as I used the branch. Equally they never used it to contact me other than to confirm it. I now only use that email address for social reasons. I just signed in to it though and found another communication from Santander which says much the same as the previous one but is differently phrased. .?? So they have clearly linked me to something in their existing records. I’m thinking just to ignore this duplication ..unless anyone can think why that might not be a good idea.

They sent me an email with a reminder of my login IDs, from accounts I'd held with them previously, so yes, they'll have linked you to old records. 

Miraculously, I remembered the other login bits to go with it, so resurrected my old account from 2018.

Freebird53

2010 said:

Freebird53 said:

allegro120 said:

Freebird53 said:

What are the chances of Newcastle BS releasing a base Rate - 0.25% Tracker?

The -0.7% is looking rather poor.

Who knows? It depends how desperate they are for cash. At the time when they introduced -0.7% they went to the top of the table, if they introduce a new -0.25% issue they will be still below the leading EA rate. 0% will get some money in, but might be beaten by somebody else very soon.

Absolutely, however I personally prefer to invest in Building Societies rather than banks. If Newcastle were to stay in the same ball park, that would be enough for me.

Even if the BoE raises rates at the next meeting by 50 bp, NBS tracker will still be lagging, their ball won`t even be in the same park as Santander.

Perhaps, but as per my origianl post, if Newcastle did a BR -0.25 that would currently be running at 5.00%. That would be fine by me. And if BOE raised by 50bp, then it would be 5.5% which again, would be fine by me!

TiVo_Lad

Cynergy Bank Easy Access Issue 66 @ 5.0%

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

@soulsaver

2010

Freebird53 said:

2010 said:

Freebird53 said:

allegro120 said:

Freebird53 said:

What are the chances of Newcastle BS releasing a base Rate - 0.25% Tracker?

The -0.7% is looking rather poor.

Who knows? It depends how desperate they are for cash. At the time when they introduced -0.7% they went to the top of the table, if they introduce a new -0.25% issue they will be still below the leading EA rate. 0% will get some money in, but might be beaten by somebody else very soon.

Absolutely, however I personally prefer to invest in Building Societies rather than banks. If Newcastle were to stay in the same ball park, that would be enough for me.

Even if the BoE raises rates at the next meeting by 50 bp, NBS tracker will still be lagging, their ball won`t even be in the same park as Santander.

Perhaps, but as per my origianl post, if Newcastle did a BR -0.25 that would currently be running at 5.00%. That would be fine by me. And if BOE raised by 50bp, then it would be 5.5% which again, would be fine by me!

Keep living in hope but meanwhile Santander is 5.2% open until 17th Sept, if it don`t get pulled before.

sheslookinhot

Closed my Sainsburys and NBS accounts today after transferring to Oxbury and Santander respectively. Interest appeared in my nominated account within 24 hours (4 hrs with NBS). They just weren’t competitive.

Thirty9

TiVo_Lad said:

Cynergy Bank Easy Access Issue 66 @ 5.0%

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

@soulsaver

A heartfelt thank you to you and everyone else who adds this type of message - unlike everyone else in my life, you make me money!

UncleK

It does indeed. We now have 21 dead Cynergy accounts!

JGal

TiVo_Lad said:

Cynergy Bank Easy Access Issue 66 @ 5.0%

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

@soulsaver

Not again.

soulsaver

This week's relegations from the ToTP EA rankings..

Top Easy Access acs Ranked: Top of The Pots - **No Chat** - Page 49 — MoneySavingExpert Forum

martinm1

Rod1883 said:

Silly question probably regarding the new 5.2% Santander Easy Access Savings account. Is there any point keeping money in the 123 Current account at 2% other than a working balance and transferring all other monies available into the new Easy Access account, or am I missing something?
Thanks

I think being in this forum you already know the answer is no. It is now very convenient to have all my funds with one provider.(apart from all the £1's with tandem/chip etc).  Also I set alerts when my 123 account goes under £10 or over £200. That way I only need to go into the account and transfer as required. Even if your 123 goes OD they allow u until later in the day to top it up without bank charges or not paying said DD/SO etc. I also have the edge current with zero and edge saver with 4k so maximising everything I've got with Santander.