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typistretired

My second payment in is delayed could be my main bank account doing a check

Nick_C

Daliah said:

Chase UK 1.5% AER. Proper instant access account. Not for those without smartphone or tablet as it is digital only. Thanks to @andyhicks88 for the heads up.

But only available to people with a Chase Current Account, so a hard credit search for anyone who is not already a Chase Current Account holder.

ETA - other users are reporting that Chase do not do a hard search

Futuristic

Nick_C said:

Daliah said:

Chase UK 1.5% AER. Proper instant access account. Not for those without smartphone or tablet as it is digital only. Thanks to @andyhicks88 for the heads up.

But only available to people with a Chase Current Account, so a hard credit search for anyone who is not already a Chase Current Account holder.

Afaik Chase does not do hard search when opening account. 

Daliah

typistretired said:

Daliah does leave Chase mean log out can’t find a log out button. Thanks for bringing to our notice

Sorry, don't think they have a log off function. I just close the app when done, and it then requires log in again if you launch the app again. 

Daliah

Nick_C said:

Daliah said:

Chase UK 1.5% AER. Proper instant access account. Not for those without smartphone or tablet as it is digital only. Thanks to @andyhicks88 for the heads up.

But only available to people with a Chase Current Account, so a hard credit search for anyone who is not already a Chase Current Account holder.

No hard search done by Chase. They don't offer overdrafts, so have no reason for doing one.

cymruchris

typistretired said:

My second payment in is delayed could be my main bank account doing a check

The same has just happened with me - transferring out of Virgin. 

BigBlueSky

Transferred some funds about an hour ago, no sign yet.

typistretired

Have chatted with both ends and both banks say it could take up to 2 hours if checks are being made

Daliah

cymruchris said:

typistretired said:

My second payment in is delayed could be my main bank account doing a check

The same has just happened with me - transferring out of Virgin. 

Unfortunately, banks are now increasing the checks they do on larger transfers, as they have to invariably refund people who [say they] got scammed. I have been on the phone to Santander for 1 hour 3 minutes, mostly listening to music, to get my payments released. Santander is my hub account, so most of my shifting of savings must go via Santander. Amazingly, I had no problem getting £10K out of Virgin this morning, but that went to a payee I have used regularly before.

Nick_C

Virgin are a pain when withdrawing to a new payee.  I tried to fund my 3 Halifax Reward Current Accounts a couple of weeks ago with 3 * £1500 from Virgin.  The first one went through, the next two failed.  I moved £3000 to a long established Lloyds account and funded Halifax from there instead.

I tried for over half an hour but couldn't get through on the phone to Virgin.  They locked my account and contacted me about 24 hours later.