The Top Easy Access Savings Discussion Area

soulsaver

andyhicks88 said:

You are missing Chip 0.90%.

Can you post up a link?

soulsaver

OK pot shifters... Easy Access(ish) top 10 of the pots.. 

As at 08/04/2022..mid morning - not meant to be comprehensive, I don't have time to dig down into the detail so check terms Do Your Own Research (DYOR)
NLA = no longer available to new applicants.

1 Chase 1.5 App only
2 Cynergy 1.10 Needs digipass or app for on line access.
3 Tandem 1.10 App only A greener way to save for the future (tandem.co.uk) thnx @Andyhicks
4 Al Rayan 1.01 (new entry, up from recent 0.8%)
5 Marcus 1.0 - new entry, up from 0.7 today 08/04 Thnx @kora_2
6 Zopa 1.0% up to £15k max. (Notice boost:1.05, 1.15, and 1.25 rates for 7, 31 and 95 day) Thnx @CheekyMikey. 
7 Virgin Money saver 1% (Max £25k).. 
8 Aldermore 0.95 Double Access (or 0.85 EA) both £1k to open thnx @janusdesign
9 Investec 0.93 (min £5K?)  Online Flexi Saver Thnx @Kansuwan
10 Atom 0.9 App only

See earlier t o p & posts regarding accounts from Tesco & YBS that may still be accepting deposits but accounts NLA.
Apologies if I missed thanking anybody.

 


Other than VM 2% £1k limit, additional info?

janusdesign

SickGroove said:

Marcus definitely now 1.0%

So I’ve just moved 17K back into there from Atom!

Is it also worth putting in the £25K & 15K from Virgin Money Saver & Zopa too, so that there is 57K solely earning the 1.0% interest under one roof or keep the 3 accounts separate?

I’ve maxed out the Chase account already btw

have you thought about moving the £15k in Zopa to one of their notice boosted pots...? any of them would beat the rate you would get at Marcus and/or VM.

I would assume that, if you have £85k in Chase and £25k in VM easy access accounts, its unlikely you should need immediate access to the £15k in Zopa and so can afford to put it in one of their notice pots... 7 days notice would gain you an extra £7.50 per year in interest; 95 days would give you £37.50

wiseonesomeofthetime

soulsaver said:

andyhicks88 said:

You are missing Chip 0.90%.

Can you post up a link?

https://twitter.com/Get_Chip/status/1510985705572425744?ref_src=twsrc%5Etfw

SickGroove

Do Tandem pay interest monthly?

Is it worth opening an account with them too for the extra 0.10% currently on offer with Zopa/Virgin Money & now Marcus? 

Will Atom be increasing again?

wiseonesomeofthetime

SickGroove said:

Do Tandem pay interest monthly?

Is it worth opening an account with them too for the extra 0.10% currently on offer with Zopa/Virgin Money & now Marcus? 

Will Atom be increasing again?

Yes.

Not imo, but each to their own. Uses Open Banking, which some don't like.
Mine has £1 in. Virgin £0 in. Marcus £1.

Unlikely, as only increased in last fortnight (I think). Mine has £1 in

Thumbs_Up

SickGroove said:

Do Tandem pay interest monthly?

Is it worth opening an account with them too for the extra 0.10% currently on offer with Zopa/Virgin Money & now Marcus? 

Will Atom be increasing again?

Moneyfacts web site says yes. When will NS&I play catch up currently 0.50%.

RG2015

soulsaver said:

OK pot shifters... Easy Access(ish) top 10 of the pots.. 

As at 08/04/2022..mid morning - not meant to be comprehensive, I don't have time to dig down into the detail so check terms Do Your Own Research (DYOR)
NLA = no longer available to new applicants.

1 Chase 1.5 App only
2 Cynergy 1.10
3 Tandem 1.10 App only A greener way to save for the future (tandem.co.uk) thnx @Andyhicks
4 Al Rayan 1.01 (new entry, up from recent 0.8%)
5 Marcus 1.0 - new entry, up from 0.7 today 08/04 Thnx @kora_2
6 Zopa 1.0% up to £15k max. (Notice boost:1.05, 1.15, and 1.25 rates for 7, 31 and 95 day) Thnx @CheekyMikey. 
7 Virgin Money saver 1% (Max £25k).. 
8 Aldermore 0.95 Double Access (or 0.85 EA) both £1k to open thnx @janusdesign
9 Investec 0.93 (min £5K?)  Online Flexi Saver Thnx @Kansuwan
10 Atom 0.9 App only

See earlier t o p & posts regarding accounts from Tesco & YBS that may still be accepting deposits but accounts NLA.
Apologies if I missed thanking anybody.

 


Other than VM 2% £1k limit, additional info?

Eleven days on, and no one is getting anywhere near Chase.

Can others not afford it? Do they believe that the Chase rate is not sustainable?

It would be interesting to see how much money is being moved into Chase, and also when it tails off.

Edit. JP Morgan shareholders are very concerned about the push into UK retail banking. Perhaps this is giving hope to the competition that Chase may start scaling back.

Thumbs_Up

RG2015 said:

Eleven days on, and no one is getting anywhere near Chase.

Can others not afford it? Do they believe that the Chase rate is not sustainable?

It would be interesting to see how much money is being moved into Chase, and also when it tails off.

Maybe a lot some would be savers have crappy mobile phones so Chase can't meet their targets.

soulsaver

Maybe they're fishing to get the spill over from dislike of app only, not suiting older phones, excess over £85k fscs limit... so the scrap is for 2nd place?

The Chase round up and cash back will need deep pockets if people decide to milk it.