The Top Easy Access Savings Discussion Area

Section62

Posting here because I don't think it is a big enough issue to be worth a thread on its own, and I think it is linked to holding a Ford Flexible Saver account - has anyone had an email (apparently) from Ford Money looking 'too good to be true', regarding a free gift celebrating their 5th anniversary?

Sg28

phillw said:

Sg28 said:
Thats concerning, my bank say it hasnt been stopped and the transfer was made. Maybe ill give zopa a call

It may have been stopped for security reasons. Some banks won't tell you that it has been stopped until they've made you wait 24 hours and raised a complaint.

It's why they don't want the faster payments reduced from 48 hours to 24 hours.

Its first direct who ive always found to be very good. 

I contacted live chat on zopa and they have no sign of the money there...

I suppose ill have to wait and hope it turns up later..

BigBlueSky

Sg28 said:

Its first direct who ive always found to be very good. 

I contacted live chat on zopa and they have no sign of the money there...

I suppose ill have to wait and hope it turns up later..

I've had quite a few issues with First Direct over the years.  I speak to them and they tell me it has gone through and hasn't been flagged, to then later get a call from their overseas call centre (who do the security checks) asking me if I made the transactions.

Is seems the two systems are not fully linked together.

I'm sure it will show eventually or you will get a phone call from First Direct security team

janusdesign

it looks like Atom have increased their easy access account to 1.49% (Gross) / 1.50% AER

Sg28

BigBlueSky said:

Sg28 said:

Its first direct who ive always found to be very good. 

I contacted live chat on zopa and they have no sign of the money there...

I suppose ill have to wait and hope it turns up later..

I've had quite a few issues with First Direct over the years.  I speak to them and they tell me it has gone through and hasn't been flagged, to then later get a call from their overseas call centre (who do the security checks) asking me if I made the transactions.

Is seems the two systems are not fully linked together.

I'm sure it will show eventually or you will get a phone call from First Direct security team

Thats reassuring, I have had a call from them before after having a transaction blocked, I assumed it would be seen by the UK call centre staff. Fingers crossed 🤞 . Its quite concerning to have £30,000 lost into no where! 

Also I noted when googling that hsbc have a £25,000 a day transfer limit? Could this be the issue? As I sent 2 transfers totalling 30k

janusdesign

Section62 said:

Posting here because I don't think it is a big enough issue to be worth a thread on its own, and I think it is linked to holding a Ford Flexible Saver account - has anyone had an email (apparently) from Ford Money looking 'too good to be true', regarding a free gift celebrating their 5th anniversary?

I have an applicable product, but i've not had an email from them yet, though there is this page on their site..

https://www.fordmoney.co.uk/claim-your-free-gift

... so probably legit.

BigBlueSky

Sg28 said:

Thats reassuring, I have had a call from them before after having a transaction blocked, I assumed it would be seen by the UK call centre staff. Fingers crossed 🤞 . Its quite concerning to have £30,000 lost into no where! 

Also I noted when googling that hsbc have a £25,000 a day transfer limit? Could this be the issue? As I sent 2 transfers totalling 30k

It is one reason I have been meaning to move away from First Direct.

Maybe higher value transactions are the ones that get flagged, but there isn't a daily transfer limit as such (you can do any amount over the phone) even above their online limits.

Section62

janusdesign said:

Section62 said:

Posting here because I don't think it is a big enough issue to be worth a thread on its own, and I think it is linked to holding a Ford Flexible Saver account - has anyone had an email (apparently) from Ford Money looking 'too good to be true', regarding a free gift celebrating their 5th anniversary?

I have an applicable product, but i've not had an email from them yet, though there is this page on their site..

https://www.fordmoney.co.uk/claim-your-free-gift

... so probably legit.

Thanks, I looked as soon as I got the email but couldn't find anything. Possibly too quick off the mark.

Expotter

Al Rayan Everyday Saver Issue 3, now 1.9% Min £5k

Malchester

janusdesign said:

Patr100 said:

Ok, as Atom are failing to keep up , I'm ;looking at the next best thing to move to.
I've already got maxxed up in Zopa and Sherbrook and Virgin Money is only 25k max so not suitable for my remaining 60K
not keen on Sharia accounts but  looking at GateHouse at 1.80% -
Tried  a search here but few recent review threads so has anyone used them/had nay experience with GateHouse here?

i've got their Easy Access account... I paid in another £1k yesterday around 11am and it was in there an hour or two later (can't remember if i got notification, so don't have an exact timing). if you deposit before 1pm, then it should appear same day... after 1pm, it's next day... I can't give you my experience of withdrawing from Gatehouse as I haven't done that yet.

if you want to go down the Sharia route, then in addition to Gatehouse @ 1.80%, there is also Al Rayan... deposits are faster with them, but again, have not made a withdrawal from them yet.

not to go off-topic, but if you can put your 60k away without needing it for 3 months, Allica have a 95-day notice account paying 2.20% (£10k)... depositing with them is very fast in my experience (minutes), but you get no notification of a deposit (SMS, email, app etc - they plan to do this in the future), so you would need to check the balance in the site/app... to give them notice, you call or send them a secure message.

Had Gatehouse easy access account. Took 24 hours to get money transferred from a withdrawal. No good to me so closed the account and moved it to my Zopa Account