The Top Easy Access Savings Discussion Area

janusd

janusdesign said:

SeriousHoax said:

Thinking of opening ulster Bank loyalty saver 5.20% 

Single account.

I noticed it's got an app which I like nowadays when available.

Has anyone else got this account, and how do you find the app?

I applied for it this morning from their site - the account is provisionally opened (it said on the screen), but they will send me an email... they are also sending application forms (for ID I assume) through the post... I would hope as a NatWest customer it would be a formality, but have not received any emails yet.

no point installing the app until I get login details.

update - I received the email this morning...

You’re almost there – we just need some more information from you and then we can activate your new Ulster Bank account.

To get your account up and running as quickly as possible, we’ll confirm your identity using our security partner HooYu. This way, we can check you are you, while keeping your details completely secure.

It’s quick, easy and safe.

either via website and/or phone, you upload photo ID (in my case passport) and do a "Liveness Check", which you need a webcam or phone to complete and is basically just put your face in this oval and move your eyes.

TiVo_Lad

Each step with Ulster Bank seems ballsachingly slow. Beehive use the same process and my account was opened within 30 mins of the application being submitted. UB are still navel gazing....

jaceyboy

SeriousHoax said:

Chip has updated its app

Everything in this update went on behind-the-scenes. We've saved the front-of-house stuff for our next update. Watch this space.

It will have to be special to beat 5.20%

SonOfPearl

ColdIron said:

For those that have one, Tesco Internet Saver now 4.75%, includes a 3.50% bonus

Thanks for spotting this. To be clear, existing accounts (the most recent previously available) are still getting 4.5% but if you open a new account you get the 4.75% and can transfer any balances from the old account to the new account. 

UncleK

.............but your old account still has thrupence ha'penny interest in it......what a pain

refluxer

UncleK said:

.............but your old account still has thrupence ha'penny interest in it......what a pain

The best thing to do with old Tesco Internet Savers is to close them - they never increase the rates on old issues, IIRC.

I phoned up last year to close a couple I still had knocking around (from when their rates were pretty competitive at the end of 2021/early 2022), got through to someone straight away and the balance (including any interest due) was transferred to another account while I was on the phone. Alternatively, if you don't want to ring then you can reduce the balance to zero yourself and close the account using an online form.

UncleK

indeed you can but I found it such a fag and now they are not even competitive I stopped dealing with them

subjecttocontract

I heard today from YBS that they are launching a new easy access loyalty saver at 5.1% from tomorrow (Wednesday). It allows 3 withdrawal a year. 

SeriousHoax

jaceyboy said:

SeriousHoax said:

Chip has updated its app

Everything in this update went on behind-the-scenes. We've saved the front-of-house stuff for our next update. Watch this space.

It will have to be special to beat 5.20%

Yes, it's well down the list now. I've left £1 in.

gt94sss2

subjecttocontract said:

I heard today from YBS that they are launching a new easy access loyalty saver at 5.1% from tomorrow (Wednesday). It allows 3 withdrawal a year. 

Imho 5.1% is a rather disappointing rate for a YBS "loyalty" product given interest rates from others