The Top Easy Access Savings Discussion Area

soulsaver

janusdesign said:

@soulsaver - FYI Shawbrook EA listed twice in the list on p625, once at the current 1.52% rate and again at the old 1.40% (unless this second entry is in reference to @wiseonesomeofthetime recent Moneybox post - and if so, the minimum of £1k listed would be wrong).

Just senility...

andyhicks88

I decided to swap from Atom to Zopa this morning but so far I'm unimpressed. 

It's easy enough to open the account but then i opted for the instant bank transfer option via truelayer and couldn't do it because the money is coming from a Virgin Money account and it takes me the Yorkshire Bank website to log in (which worked!?) but then doesn't seem to be compatible with the virgin app when you need to authorize the payment.  So anyway then I just decided to do it manually via the normal account details and faster payments system, which was of course fine to set up, but Atom is part of COP which Zopa isn't(which I knew obviously) and the test payment of £1 still isn't in the Zopa account nearly 1 and half hours later...Atom was literally instant both to deposit and withdraw.

Obviously Zopa has the better rate and better options to boost that rate, and no doubt these aren't issues for a lot of people, but for me on first impressions I almost feel tempted just to stick with Atom, who I've loved but just wasn't offering one of the higher rates anymore. They do generally catch up, but I guess I will give Zopa a bit more of a chance.

jimexbox

Zopa transfers from lloyds takes around 20 minutes via true layer. I would message them about the issues you've had. 

adindas

YBS Make Me A e-Saver vs YBS Internet Saver Plus i11

https://www.ybs.co.uk/savings/easy-access

I am aware both are paying 1.25%pa Interest

Allow Instant withdrawal

Both are useful for meeting condition for reward of another account

Not significant but Make Me A e-Saver offer Monthly Prize. But what Prize it is, I can not find what prize it is.

If your saving will be less than £10,000 all the time what is the advantage of having Internet Saver Plus i11 over Me A e-saver ??

TIA

ScarletBea

adindas said:

YBS Make Me A e-Saver vs YBS Internet Saver Plus i11

https://www.ybs.co.uk/savings/easy-access

I am aware both are paying 1.25%pa Interest

Allow Instant withdrawal

Both are useful for meeting condition for reward of another account

Not significant but Make Me A e-Saver offer Monthly Prize. But what Prize it is, I can not find what prize it is.

If your saving will be less than £10,000 all the time what is the advantage of having Internet Saver Plus i11 over Me A e-saver ??

TIA

On the 'Make me a saver' account you can only save £150 per month until the end of next January, while you can have any amount on the Internet Saver

murphydavid

adindas said:

YBS Make Me A e-Saver vs YBS Internet Saver Plus i11

https://www.ybs.co.uk/savings/easy-access

I am aware both are paying 1.25%pa Interest

Allow Instant withdrawal

Both are useful for meeting condition for reward of another account

Not significant but Make Me A e-Saver offer Monthly Prize. But what Prize it is, I can not find what prize it is.

If your saving will be less than £10,000 all the time what is the advantage of having Internet Saver Plus i11 over Me A e-saver ??

TIA

Prize is £1500
Can you tell me what the other account you refer too is please You say  - "Both are useful for meeting condition for reward of another account"

Quote
"Prize draw terms and conditions

• Account must remain open and balance must increase by a min. of £50 - £150 during the calendar month to qualify for a prize draw.
 
• Minimum age 16+ and you must live in England, Scotland and Wales to be eligible.
 
• The prize for each winner will be £1,500. Ten winners will be selected for each monthly prize draw
 
• YBS employees are not permitted to enter. Accounts cannot be opened in trust. Please see the full terms and conditions for the Make Me A Saver account and the Make Me A e-Saver account of this product."

murphydavid

adindas said:

murphydavid said:

adindas said:

YBS Make Me A e-Saver vs YBS Internet Saver Plus i11

https://www.ybs.co.uk/savings/easy-access

I am aware both are paying 1.25%pa Interest

Allow Instant withdrawal

Both are useful for meeting condition for reward of another account

Not significant but Make Me A e-Saver offer Monthly Prize. But what Prize it is, I can not find what prize it is.

If your saving will be less than £10,000 all the time what is the advantage of having Internet Saver Plus i11 over Me A e-saver ??

TIA

Prize is £1500
Can you tell me what the other account you refer too is please You say  - "Both are useful for meeting condition for reward of another account"

Quote
"Prize draw terms and conditions

• Account must remain open and balance must increase by a min. of £50 - £150 during the calendar month to qualify for a prize draw.
 
• Minimum age 16+ and you must live in England, Scotland and Wales to be eligible.
 
• The prize for each winner will be £1,500. Ten winners will be selected for each monthly prize draw
 
• YBS employees are not permitted to enter. Accounts cannot be opened in trust. Please see the full terms and conditions for the Make Me A Saver account and the Make Me A e-Saver account of this product."

Open your pm

Sorry to be dense but that does not register with me. Could you tell me what "pm" means in this context. Thanks 

adindas

murphydavid said:

adindas said:

murphydavid said:

adindas said:

YBS Make Me A e-Saver vs YBS Internet Saver Plus i11

https://www.ybs.co.uk/savings/easy-access

I am aware both are paying 1.25%pa Interest

Allow Instant withdrawal

Both are useful for meeting condition for reward of another account

Not significant but Make Me A e-Saver offer Monthly Prize. But what Prize it is, I can not find what prize it is.

If your saving will be less than £10,000 all the time what is the advantage of having Internet Saver Plus i11 over Me A e-saver ??

TIA

Prize is £1500
Can you tell me what the other account you refer too is please You say  - "Both are useful for meeting condition for reward of another account"

Quote
"Prize draw terms and conditions

• Account must remain open and balance must increase by a min. of £50 - £150 during the calendar month to qualify for a prize draw.
 
• Minimum age 16+ and you must live in England, Scotland and Wales to be eligible.
 
• The prize for each winner will be £1,500. Ten winners will be selected for each monthly prize draw
 
• YBS employees are not permitted to enter. Accounts cannot be opened in trust. Please see the full terms and conditions for the Make Me A Saver account and the Make Me A e-Saver account of this product."

Open your pm

Sorry to be dense but that does not register with me. Could you tell me what "pm" means in this context. Thanks 

I sent you Pm (e.g private message) on your MSE account

refluxer

At 1.25%, the YBS 'Make Me a Saver' account is poor as both a Regular Saver and an Easy Access account. A tiny chance at winning a reasonable prize is not a substitute for a decent interest rate, IMO.

adindas

refluxer said:

At 1.25%, the YBS 'Make Me a Saver' account is poor as both a Regular Saver and an Easy Access account. A tiny chance at winning a reasonable prize is not a substitute for a decent interest rate, IMO.

Good Point, But I already have instant access saving account paying 1.5% interest. I keep my eye on Zopa.