The Top Easy Access Savings Discussion Area

gt94sss2

Deanbrid said:

Mr._H_2 said:

2010 said:

What`s a crappy mobile phone?
One that can`t download the Chase app?

I can`t imagine many savers would be putting vast amounts into an easy access account to warrant buying an un-crappy phone.

You could get a very cheap second-hand phone able to run the Chase app. The account pays 0.4% more than the next-best account. If you were saving the maximum £250,000, that's £83 more per month than the next best account. That's more than enough in one month to pay for a phone able to run the app.

2010 said:

The other thing is you have to open Chase`s current account to get their savings account.

So?

My phone won't run the app. Have been looking at upgrading, So suggestions for a phone under £200 that will definitely work. Some of the cheaper phones say they are 64bit but they actually run in 32bit mode so will not work with chase.  Looking through phone specs doesn't tell you that info from what I Can see. So some suggestions very much welcome👍

I don't think you will find a better value money phone for £200 than the one at https://www.hotukdeals.com/deals/poco-f3-5g-256gb-8gb-667-120hz-amoled-sd-870-48mp-triple-camera-4520mah-ps199-ps189-with-code-at-xiaomi-uk-3916408

typistretired

Deanbrid said:

For those looking for monthly interest, from my brief research here's the latest top 6 payers

 Chase 1.5

Marcus & Saga 1.0
Investec 0.93
Shawbrook 0.89
Aldemore 0.85

What about Atom at 0.90% paid monthly on day you opened ie if you open 18th get paid on 18th every month 

ranciduk

castle96 said:

I like to do all banking on a PC. Large screen, large keys. Just the way I am

You can now buy decent android tablets that come with a keyboard and a mouse

so it’s a bit like a small laptop

amazon have loads for around a hundred nicker 

ranciduk

2010 said:

Olinda99 said:

thanks for the quick reply - if I apply for Marcus online can I then use the Marcus app to check balance, make transfers etc

Yes you can either do it online or the app.

https://www.marcus.co.uk/uk/en/savings/online-savings-account

The Apply link seems to be dead on that page....?

refluxer

ranciduk said:

2010 said:

Yes you can either do it online or the app.

https://www.marcus.co.uk/uk/en/savings/online-savings-account

The Apply link seems to be dead on that page....?

The link works fine for me

ranciduk

Weird

tried it about a dozen times 

works now though!

2010

ranciduk said:

Weird

tried it about a dozen times 

works now though!

Don`t forget to add the 0.10% bonus to get the rate up to 1%
The bonus lasts at least a year.

https://www.marcus.co.uk/uk/en/public-site/help/rate-change#bonus

soulsaver

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

As at 08/04/2022..close - 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 (up from recent 0.8%)
5 Marcus 1.0 - inc 0.10 bonus (up from 0.7 inc 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

Chip app only; 0.9 allegedly - DYOR. 

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, any others  of note?

gt94sss2

Chip is indeed 0.9% at present

https://community.getchip.uk/t/interest-rate-increase-to-0-90/

Molehusband

soulsaver said:

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

As at close 07/04/2022.. not meant to be comprehensive, so check terms DYOR. NLA = no longer available to new applicants.

...

11 YBS Internet Saver Plus 10 (IS Plus 7 NLA) interest now 0.82% at >£50k Tiered.View our Easy Access Savings Accounts | Savings | YBS
Thnx @typistretired

See previous post regarding other YBS accounts NLA(?)

I've just logged into my YBS account and it's really confused me about their interests rates.

- Yes, I have the Internet Saver Plus 10 paying 0.82% at £50,000+

But what really confuses me is that I also have an old Internet Savings account which I've had for over 12 years. It used to pay a low rate of interest (ie 0.1% two years ago). I found out after logging on today that suddenly on 5 April this year it's reached 0.85% with no need for £50,000+ balance. There's no information on their website about opening this account, so no doubt it's not available to new customers. Nor did they inform me in advance of the rate increase. What amazes me is that it pays a better rate of interest than the Internet Saver Plus 10 and doesn't require a balance of £50,000+. Can anyone explain this better interest rate on my old Internet Savings for a far smaller balance (eg £1000)?  As it's Sunday, YBS aren't open today to ask them.