The Top Easy Access Savings Discussion Area

Bridlington1

@soulsaver
Apologies I forgot to mention this earlier in the week but now that 5% EA accounts qualify for the top 10, this also makes the Co-operative Bank Base Rate Tracker Savings Account at 5% (very steep £100k min for the top rate) eligible for inclusion.

Account tracks various amounts below the BOE base rate till 30/6/2025:


EDIT: Account requires a Co-op current account to be eligible

soulsaver

Bridlington1 said:

@soulsaver
Apologies I forgot to mention this earlier in the week but now that 5% EA accounts qualify for the top 10, this also makes the Co-operative Bank Base Rate Tracker Savings Account at 5% (very steep £100k min for the top rate) eligible for inclusion.

Account tracks various amounts below the BOE base rate till 30/6/2025:

Now I wouldn't comfortably include an account that has a min above FSCS limits - but I note that this can be held jointly so can be covered to 2 x £85k - maybe useful if the BoE is slow to reduce rates in the medium term... dyor. 

Futuristic

Bridlington1 said:

@soulsaver
Apologies I forgot to mention this earlier in the week but now that 5% EA accounts qualify for the top 10, this also makes the Co-operative Bank Base Rate Tracker Savings Account at 5% (very steep £100k min for the top rate) eligible for inclusion.

Account tracks various amounts below the BOE base rate till 30/6/2025:

You also need a current account to apply. 

Bridlington1

@soulsaver
Secure Trust Bank Access Account (Issue 11) at 5.10% £1 min now NLA.

gelato_cat

inkydolphin said:

Zopa_Trooper said:

Do you think any of these companies will take on extra staff to alleviate the "high number of calls " problem?

Nah, didn't think so. Be too easy.

What annoys me is when they make it so you HAVE to ring them, then complain because they are getting too many calls.

The higher than normal number of calls thing seems to be a standard message used to manage expectations/give them a pre-excuse for poor customer service/encourage you not to use the phone to contact them.

I phoned a financial services company yesterday who were "experiencing higher than normal call volumes with a wait time of over 30 minutes" - then two rings and through to someone instantly...

MSE is doing some research into this at the mo - here's the page if anyone here would like to contribute:

https://www.moneysavingexpert.com/report-high-call-volumes/

pecunianonolet

Suzey said:

inkydolphin said:

Zopa_Trooper said:

Do you think any of these companies will take on extra staff to alleviate the "high number of calls " problem?

Nah, didn't think so. Be too easy.

What annoys me is when they make it so you HAVE to ring them, then complain because they are getting too many calls.

The higher than normal number of calls thing seems to be a standard message used to manage expectations/give them a pre-excuse for poor customer service/encourage you not to use the phone to contact them.

I phoned a financial services company yesterday who were "experiencing higher than normal call volumes with a wait time of over 30 minutes" - then two rings and through to someone instantly...

MSE is doing some research into this at the mo - here's the page if anyone here would like to contribute:

https://www.moneysavingexpert.com/report-high-call-volumes/

Would be nice if HMRC would be in the list....

CuparLad

At the risk of turning this into a high call volumes thread, I'd settle for high call volumes if orgs didn't spend 5 minutes telling me how I can find the answer to my query on their website when the reason I am calling is because their website doesn't allow me to resolve the query that I have, hence the need for a call....

Zopa_Trooper

I got in touch with HYPERJAR today, was number 1 in the queue, they answered within 10 seconds and then apologised for the wait and thanked me for my patience.

pecunianonolet

Does anyone know if Santander branches can in any way service Cahoot e.g. taking copies of a passport and verify identity and forwarding copies on? Cahoot doesn't seem to have a Freepost service either, unless I just can't find it?

Wheres_My_Cashback

pecunianonolet said:

Does anyone know if Santander branches can in any way service Cahoot e.g. taking copies of a passport and verify identity and forwarding copies on? Cahoot doesn't seem to have a Freepost service either, unless I just can't find it?

I asked a couple of weeks ago, the response was no as they're completely ring fenced to be separate.

I opened the sunny, passed all the AML/CRA checks, got the account open and got the account details, but because my info was slightly different to the last time I had an account with them 22 years ago I needed to send two forms of ID via snail mail at my own cost before it could be used.

I immediately closed the a/c an hour after opening as it just wasn't worth it for me.