The Top Easy Access Savings Discussion Area

kjs31

PloughmansLunch said:

I think Ulster Loyalty Saver is generally absolutely fine once it’s up and running. 

I’m not sure that I’m finding it fine TBH. There have been way too many letters and now I’ve received a card reader. Never having been a Nat West customer before I’ve managed to avoid having one of those. 

Also my maximum withdrawal limit seems to be stuck at 5k for all channels. It says that I need to register for biometric approval to increase the limit but I’m stuck at task 1 of 2 as it won’t allow me to complete the second task saying that I haven’t been an app user on this device for long enough. What’s long enough? A few weeks? A month? Seems crazy. I’m not desperate to withdraw the money now but I would like to be in a position where I can get hold of my money in chunks of more than 5k. 

Zopa_Trooper

See, double access, for me, isn't easy access. You can put money in and out of Metro when you like, as many times as you like, so for me the extra 0.03% is irrelevant and certainly not worth the inconvenience. But that's me.

refluxer

Zopa_Trooper said:

See, double access, for me, isn't easy access. You can put money in and out of Metro when you like, as many times as you like, so for me the extra 0.03% is irrelevant and certainly not worth the inconvenience. But that's me.

I agree and have always said that limited access accounts should get their own category for the comparison tables, but there you go !

The Hanley Branch Saver was actually a fair amount higher than other easy access accounts (and limited access accounts) back in June when it was released and was only beaten (just) by the Chorley limited access account in October, although other banks like Metro and Gatehouse have pretty much got there with their (true) easy access rates in the last month or so, making them (as you say) a much more convenient option.

janusd

kjs31 said:

PloughmansLunch said:

I think Ulster Loyalty Saver is generally absolutely fine once it’s up and running. 

Also my maximum withdrawal limit seems to be stuck at 5k for all channels. It says that I need to register for biometric approval to increase the limit but I’m stuck at task 1 of 2 as it won’t allow me to complete the second task saying that I haven’t been an app user on this device for long enough. What’s long enough? A few weeks? A month? Seems crazy. I’m not desperate to withdraw the money now but I would like to be in a position where I can get hold of my money in chunks of more than 5k. 

they'll send you a notification when the option becomes available... I set it up a few weeks ago and it only takes a couple of minutes to do, so once your app allows it, you should be good to go.

HHUK

I've just noticed (on BeCleverWithYourCash) that Cahoot is now offering 5.2% variable for a year on up to £3000 in their newish Sunny Day Saver account:

https://www.cahoot.com/products-and-services/cahoot-sunny-day-saver

Assume anyone can hold this as well as their regular Simple Saver account (which I note is now paying 4.79%)

soulsaver

HHUK said:

I've just noticed (on BeCleverWithYourCash) that Cahoot is now offering 5.2% variable for a year on up to £3000 in their newish Sunny Day Saver account:

https://www.cahoot.com/products-and-services/cahoot-sunny-day-saver

Assume anyone can hold this as well as their regular Simple Saver account (which I note is now paying 4.79%)

Yes, see Cahoot Sunny Day listed in the 'Smaller Balances' on the ToTP page (since Nov 19th) with links and other useful info.

ToTP? Click below in my signature...

flaneurs_lobster

HHUK said:

Assume anyone can hold this as well as their regular Simple Saver account (which I note is now paying 4.79%)

Simple saver is 5.12% AER - no problem holding both accounts

HHUK

flaneurs_lobster said:

HHUK said:

Assume anyone can hold this as well as their regular Simple Saver account (which I note is now paying 4.79%)

Simple saver is 5.12% AER - no problem holding both accounts

Yes I still seem to have a fiver in Issue 1. Issue 2 is indeed 5.12%. Thanks.

Zaul22

When you use up your access with Paragon, you can just open a new one.

Barkin

Zaul22 said:

When you use up your access with Paragon, you can just open a new one.

You can, but possibly not at the same rate.