The Top Easy Access Savings Discussion Area

whatleytom87

littlemissbossy said:

Online Easy Access Account 0.71% AER

Grow your savings and enjoy unlimited free withdrawals. Rate includes 0.41% AER bonus for the first 12 months.

Exclusively available to existing Cynergy Bank customers.


Not sure if this is old news..... looks like Cynergy are now limiting their 0.71% to existing customers only.

Good spot, happened at 10am this morning. 

Would expect it'll will be available again some point early March.  

refluxer

Atom have just jumped to the top of the Easy Access accounts table with a rate of 0.75%.

It's an app-only account, with unlimited withdrawals and no minimum balance.

tg99

refluxer said:

Atom have just jumped to the top of the Easy Access accounts table with a rate of 0.75%.

It's an app-only account, with unlimited withdrawals and no minimum balance.

Thx, do withdrawals arrive in your current account instantly 24/7 with no max withdrawal limit? 

EDIT: just opened and transferred in a few £ then withdrew and all instantaneous. Did read somewhere on app that may need to do large withdrawal amounts as separate transactions but could not see any mention of a particular max size.

andyhicks88

They have the biggest 1yr fix as well currently so they are a good option right now. Has anyone used them before? What are your experiences?

SuperHans1

tg99 said:

refluxer said:

Atom have just jumped to the top of the Easy Access accounts table with a rate of 0.75%.

It's an app-only account, with unlimited withdrawals and no minimum balance.

Thx, do withdrawals arrive in your current account instantly 24/7 with no max withdrawal limit? 

EDIT: just opened and transferred in a few £ then withdrew and all instantaneous. Did read somewhere on app that may need to do large withdrawal amounts as separate transactions but could not see any mention of a particular max size.

I've been using Atom for a while, withdrawals are very quick and normally arrive in my current account within a few minutes of a request (including at weekends).

Daliah

Thanks for the heads up on Atom Bank instant access - superb little account, easy to open, fast deposits and withdrawals. A standard for all other providers to achieve.

infoadict

Good news is that if you've already got an Instant Saver with them it's already showing as 0.75%. No need to open a new account

dekkard

Is the Atom mobile app generally reliable? There are both good and bad reviews online.

Daliah

dekkard said:

Is the Atom mobile app generally reliable? There are both good and bad reviews online.

I haven't had any problems myself, and I have not seen problems with it mentioned on MSE.

refluxer

andyhicks88 said:

They have the biggest 1yr fix as well currently so they are a good option right now. Has anyone used them before? What are your experiences?

I opened a Fixed Rate Saver with them last year and the application process (via the app) was fairly lengthy but worked well. Their app security uses a 6-digit pin number or facial / voice recognition. Statement and account documents can be downloaded to your phone. I actually just opened another Fixed Rate Saver and the process only took a few minutes - it's obviously much quicker when you're an existing customer, although there are still a lot of T&Cs to read, just like with any bank ! 

I don't need to open their Instant Saver as I currently have a higher rate with Tesco (no longer available), but would have no problem opening one if I needed it, based on my experience so far.

Just bear in mind they are app-based only, so you need to ensure that your phone's OS will be supported during the time you're a customer and (if you open a Fixed Rate Saver) when you need to interact with them at the end of the Fixed Rate period ! More info on this (including the current minimum phone OS specs) can be found in the FAQ section on their website.