The Top Easy Access Savings Discussion Area

SeriousHoax

mebu60 said:

How rude of Cynergy! Returned from holiday last night with one of my tasks this morning to close and transfer Issue 65 to Issue 66 at 5.0% (yes, I'm sad enough to keep an eye on these things while away) only to find it's now Issue 67 at 4.95%. Hope this isn't indicative of a general reverse in the direction of travel. See what Thursday brings. 

Could you not have done it on holiday with your mobile phone that's when I done mine.😛

Futuristic

SeriousHoax said:

Futuristic said:

mebu60 said:

How rude of Cynergy! Returned from holiday last night with one of my tasks this morning to close and transfer Issue 65 to Issue 66 at 5.0% (yes, I'm sad enough to keep an eye on these things while away) only to find it's now Issue 67 at 4.95%. Hope this isn't indicative of a general reverse in the direction of travel. See what Thursday brings. 

I'm still confused why people stick around with Cynergy? Don't you have to open and close issues manually? 

Tandem is at 5% right now and very easy to use for example. 

It takes about 2mins to close old account open new with fast-track.😛

And constant logging in and open/closing new accounts. May be acceptable to you in this day and age but can tell from their site they run on legacy systems. 

PixelPound

SeriousHoax said:

mebu60 said:

How rude of Cynergy! Returned from holiday last night with one of my tasks this morning to close and transfer Issue 65 to Issue 66 at 5.0% (yes, I'm sad enough to keep an eye on these things while away) only to find it's now Issue 67 at 4.95%. Hope this isn't indicative of a general reverse in the direction of travel. See what Thursday brings. 

Could you not have done it on holiday with your mobile phone that's when I done mine.😛

do you have 2 mobiles then, or don't you use the authenticator app?

SeriousHoax

I use the authenticator app.

flobbalobbalob

nic_c said:

SeriousHoax said:

mebu60 said:

How rude of Cynergy! Returned from holiday last night with one of my tasks this morning to close and transfer Issue 65 to Issue 66 at 5.0% (yes, I'm sad enough to keep an eye on these things while away) only to find it's now Issue 67 at 4.95%. Hope this isn't indicative of a general reverse in the direction of travel. See what Thursday brings. 

Could you not have done it on holiday with your mobile phone that's when I done mine.😛

do you have 2 mobiles then, or don't you use the authenticator app?

I just use 1 tablet. Instead of scanning the QR code you just tap it and it takes you straight to the authenticator app without requiring the camera.

Yellowman

BBC News, 19 Sep 2023:

'The UK's latest inflation data for August will be released on Wednesday and is predicted to rise from 6.8% to 7%, after falling steadily in recent months.

The Bank of England has been raising rates in a bid to reduce inflation, and is expected to increase them again on Thursday, from 5.25% to 5.5%.'

janusdesign

Futuristic said:

mebu60 said:

How rude of Cynergy! Returned from holiday last night with one of my tasks this morning to close and transfer Issue 65 to Issue 66 at 5.0% (yes, I'm sad enough to keep an eye on these things while away) only to find it's now Issue 67 at 4.95%. Hope this isn't indicative of a general reverse in the direction of travel. See what Thursday brings. 

I'm still confused why people stick around with Cynergy? Don't you have to open and close issues manually? 

Tandem is at 5% right now and very easy to use for example. 

I like Cynergy and ordinarily it would be my goto "instant" EA account - but their recent login issues and the Santander account meant that I moved a large chunk of its balance to Santander.

the opening/closure of new issues is pretty automated in the sense that it's just a couple of clicks - no big deal...

mebu60

SeriousHoax said:

mebu60 said:

How rude of Cynergy! Returned from holiday last night with one of my tasks this morning to close and transfer Issue 65 to Issue 66 at 5.0% (yes, I'm sad enough to keep an eye on these things while away) only to find it's now Issue 67 at 4.95%. Hope this isn't indicative of a general reverse in the direction of travel. See what Thursday brings. 

Could you not have done it on holiday with your mobile phone that's when I done mine.😛

Would need the thingy for Cynergy. But no, don't use phone for such things at home let alone abroad. Take tablet with me but that's mainly used for radio and a bit of tv / sport via vpn.

Noticed too that current Charter issue 44 is 0.05% lower than earlier issue (which I have in this case). The earlier issue being 42 which is only 4.8% due to numerous complaints. Have also come home to their formal response which upholds my complaint but they seem to feel that eventually putting right their wrong after realising they couldn't get away with it is sufficient. Not much contrition there! 

Middle_of_the_Road

Yellowman said:

BBC News, 19 Sep 2023:

'The UK's latest inflation data for August will be released on Wednesday and is predicted to rise from 6.8% to 7%, after falling steadily in recent months.

The Bank of England has been raising rates in a bid to reduce inflation, and is expected to increase them again on Thursday, from 5.25% to 5.5%.'

So the inflation rate is expected to rise again, and a further base rate rise is also expected. I can see a pattern developing here 

mebu60

janusdesign said:

Futuristic said:

mebu60 said:

How rude of Cynergy! Returned from holiday last night with one of my tasks this morning to close and transfer Issue 65 to Issue 66 at 5.0% (yes, I'm sad enough to keep an eye on these things while away) only to find it's now Issue 67 at 4.95%. Hope this isn't indicative of a general reverse in the direction of travel. See what Thursday brings. 

I'm still confused why people stick around with Cynergy? Don't you have to open and close issues manually? 

Tandem is at 5% right now and very easy to use for example. 

I like Cynergy and ordinarily it would be my goto "instant" EA account - but their recent login issues and the Santander account meant that I moved a large chunk of its balance to Santander.

the opening/closure of new issues is pretty automated in the sense that it's just a couple of clicks - no big deal...

As well as Cynergy close and transfer being very straightforward, as has been pointed out many times before, there is also the benefit of accrued interest from the previous account(s) being crystallised and earning interest in the latest account.