The Top Easy Access Savings Discussion Area

jameseonline

soulsaver said:

Note Moneybox is not a UK bank, it's another aggregator.

Where your not-so 'Simple Saver' funds are apparently held, Santander International (eventually) is also not a UK Bank. 

So it's not clear to me that my funds would be covered by FSCS depositor protection - never mind my usual gripe with these enterprises, 100% of the time.

Not another Santander thing🤣

Santander Edge. (Current account applied for)
Cahoot. (Applied & accepted for straight away today)
This.

Anything else Santander related I've not seen? 🤔😁

TheBanker

soulsaver said:

Note Moneybox is not a UK bank, it's another aggregator.

Where your not-so 'Simple Saver' funds are apparently held, Santander International (eventually) is also not a UK Bank. 

So it's not clear to me that my funds would be covered by FSCS depositor protection - never mind my usual gripe with these enterprises, 100% of the time.

Check the FCA or FSCS websites. Santander International is a trading name of Santander Financial Services plc, FCA registration number 146003. This firm is authorised and regulated by the PRA/FCA. Deposits are protected by the FSCS, if (and only if) they are held with a UK branch. 

If deposits are held with their branches in Jersey or the Isle of Man then protection is provided by the local deposit protection scheme instead.

DYOR etc.

patpalloon

Zopa EA ISA is still showing 5.08% - I thought the rate was dropping from 6 April?

RG2015

patpalloon said:

Zopa EA ISA is still showing 5.08% - I thought the rate was dropping from 6 April?

6 April 2025.

Technically, 0.50% bonus until 6 April 2025. The underlying rate of 4.58% is variable.

patpalloon

RG2015 said:

patpalloon said:

Zopa EA ISA is still showing 5.08% - I thought the rate was dropping from 6 April?

6 April 2025.

Technically, 0.50% bonus until 6 April 2025. The underlying rate of 4.58% is variable.

Thanks! I misread that.

RG2015

RG2015 said:

patpalloon said:

Zopa EA ISA is still showing 5.08% - I thought the rate was dropping from 6 April?

6 April 2025.

Technically, 0.50% bonus until 6 April 2025. The underlying rate of 4.58% is variable.

I have just noticed the following on the Zopa website.

Earn a bonus rate on Access ISA pots!

Open a Smart ISA before 6th May 2024 to earn an extra 0.5% AER*/gross** fixed on top of the underlying 4.58% AER (4.48% gross) variable Access ISA pot rate.

This means you'll earn a total of 5.08% AER (4.96% gross) variable on Access ISA pots!

The bonus rate will run until 6th May 2025.

Just trying to get my head around whether I should update mine somehow as its 0.50% bonus expires on 6 April 2025.

https://www.zopa.com/smart-isa

Sp363

Just got a email from chase. They’ve put out a boosted easy access saver giving a total rate of 5.1% until November (1% bonus) but tracks base rate -1.15%. Decent right now but may drop. Could be a good alternative short term when the Santander 5.2% rate drops for their easy access saver

jaypers

Sp363 said:

Just got a email from chase. They’ve put out a boosted easy access saver giving a total rate of 5.1% until November (1% bonus) but tracks base rate -1.15%. Decent right now but may drop. Could be a good alternative short term when the Santander 5.2% rate drops for their easy access saver

How do you get this? Can’t see anything online or in the app. 

Sp363

I got this email through this morning. Then there was a boosted option in the app. 

jaypers

Hmm….so are Chase only offering this to certain customers? I don’t seem to have that option.