The Top Easy Access Savings Discussion Area

t1redmonkey

Expotter said:

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

New table topper, nice

pearl123

Is it worth waiting, until the dust settles? Maybe, until the end of next week?

Daliah

pearl123 said:

Is it worth waiting, until the dust settles? Maybe, until the end of next week?

You might as well earn top interest whilst you wait. There is no timescale for  for the dust to settle, so you could be waiting and waiting and waiting.

Oasis1

Daliah said:

pearl123 said:

Is it worth waiting, until the dust settles? Maybe, until the end of next week?

You might as well earn top interest whilst you wait. There is no timescale for  for the dust to settle, so you could be waiting and waiting and waiting.

And there'll likely be another rise in a few weeks when Bank of England meet again. I think best to start moving money, earn interest and suck up the admin when you might need to move it again.

Patr100

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.

Thanks, thinking again I could look at Alicia and more notice accounts (already in Zopa) - my current account is healthy but I just like the  option of accessing one of the savings accounts immediately should I need it in an emergency but my CC balance should tide me over for most events.
- dont think there is a thread on notice accounts 

Expotter

Patr100 said:

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.

Thanks, thinking again I could look at Alicia and more notice accounts (already in Zopa) - my current account is healthy but I just like the  option of accessing one of the savings accounts immediately should I need it in an emergency but my CC balance should tide me over for most events.
- dont think there is a thread on notice accounts 

https://forums.moneysavingexpert.com/discussion/6370428/notice-accounts

Top 4 to consider Allica, Oak North, Investec  or Zopa

Patr100

Expotter said:

Patr100 said:

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.

Thanks, thinking again I could look at Alicia and more notice accounts (already in Zopa) - my current account is healthy but I just like the  option of accessing one of the savings accounts immediately should I need it in an emergency but my CC balance should tide me over for most events.
- dont think there is a thread on notice accounts 

https://forums.moneysavingexpert.com/discussion/6370428/notice-accounts

Top 4 to consider Allica, Oak North, Investec  or Zopa

Ah cheers! Did have a look at the first few pages in Saving forum but missed it - and the search here is not very user friendly IMO.

soulsaver

Expotter said:

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

ToP Easy Access table page 651 edited accordingly.  
There will be the recast list at the w.e.... lets hope Al has been overtaken...

Sg28

BigBlueSky said:

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.

Thank you and to the others who took the time to respond to me last few posts. 

After a stressful morning and a second call to first direct I turned out you was exactly correct. The fraus team had blocked it.

I planned to have a good moan about it but as the call centre staff there all seem so nice and friendly and due to my relief I didn't have the heart to! 

BigBlueSky

Sg28 said:

Thank you and to the others who took the time to respond to me last few posts. 

After a stressful morning and a second call to first direct I turned out you was exactly correct. The fraus team had blocked it.

I planned to have a good moan about it but as the call centre staff there all seem so nice and friendly and due to my relief I didn't have the heart to! 

You're very welcome.  That is a major downside of First Direct.  Their offshore fraud team who for whatever reason work indepentently from the rest of the First Direct call centre.

You should put in a complaint - The only way they might sort things out.