The Top Easy Access Savings Discussion Area

Daliah

Open accounts with both and see for yourself which one suits you better. They both have prod and cons, six in one and half a dozen in the other bottom line, IMO. I have both but currently have more in AR than in GH.

TBC15

Just set up an account with Al Ryan.

Got my account details, transferred £5000 to the account.

Started the procedure for on line access to manage account. Last step was for me to scan an image on the screen. Well that was me stuffed.

Any idea if I can access the account on a PC?

Bigwheels1111

TBC15 said:

Just set up an account with Al Ryan.

Got my account details, transferred £5000 to the account.

Started the procedure for on line access to manage account. Last step was for me to scan an image on the screen. Well that was me stuffed.

Any idea if I can access the account on a PC?

Are you setting up via the app ?.

If so select the second option, log in with account number I think it is.

If desktop, left option is picture with dots right tap on use password is username and password.
Desktop

Aidanmc

TBC15 said:

Just set up an account with Al Ryan.

Got my account details, transferred £5000 to the account.

Started the procedure for on line access to manage account. Last step was for me to scan an image on the screen. Well that was me stuffed.

Any idea if I can access the account on a PC?

You can also request a hard token device from Al Rayan.

Rollinghome

TBC15 said:

Any idea if I can access the account on a PC?

You can, and there are two ways to do it.

Once you've installed and logged into the phone app, you can go to the login screen on your PC at https://digital.alrayanbank.co.uk/Login , select "Use mobile app", and use the "Scan" option on the app to scan the QR type image that appears on the PC.

Or, if you don't have a suitable phone, you can ask Al Rayan for the small Digipass scanner, which is a bit more of a faff. 

The scanner, aka "hard token", has to first be registered by following the instructions. To login, you need to enter a username and password, point the scanner at the image on the PC when it appears, enter a PIN on the scanner, then enter the code it generates on the PC.

If you can log in using a phone, I can't remember off-hand anything more you can do by using a PC, and it's a lot quicker.

Freedommm

There is a thread on Al Rayan from 2019, many people were unhappy with their broken cash withdrawal process.
Are the problems still there? I'm weary of this bank and am wondering if their interest rate premium justifies the likelihood of pain involved! 

Daliah

Freedommm said:

There is a thread on Al Rayan from 2019, many people were unhappy with their broken cash withdrawal process.
Are the problems still there? I'm weary of this bank and am wondering if their interest rate premium justifies the likelihood of pain involved! 

I have used Al Rayan for at least 5 years. No issues with their withdrawal processes, though they don’t offer them 24 x 7 (not uncommon). If you need more than £20k a day, they offer CHAPS for £15.

NB. I have not seen the thread you mention but just re-reading your post, I notice you are taking about cash withdrawal. All my withdrawals were electronic. I have never withdrawn cash from them.

soulsaver

Rate inceases slowed? Waiting for the MPC meet? No significant change for a week in the ToTP ranked top easy access listed here.

Bridlington1

soulsaver said:

Rate inceases slowed? Waiting for the MPC meet? No change for a week in the ToTP ranked top easy access listed here.

I think a lot of the banks and building societies will have postponed any interest rate meetings out of respect for The late Queen. I doubt we'll see any rate increases until after the funeral on Monday 19/9/22.

WBCPB

mebu60 said:

BigBlueSky said:

With the Gatehouse Bank I know the cut-off for same day deposits is 1pm in the afternoon.

Does this apply on weekends too, or if I deposit before 1pm on Saturday will it not be applied to the account until Monday now ?

Thanks in advance

If you make a deposit into your account before 1pm on a working day, funds will show on your account by close of business the same day. If your deposit is made after 1pm, funds will show by close of business the following day.

As Saturday is not a working day it would be Monday.

Not according to the lovely Courtney C.S, she has just told me that all funds go into a Barclays holding account so they are at the mercy of Barclays Bank for any processing, if funds are deposited before 1.00pm on a business day they will appear on the account balance by midday the next business day and nothing at week-ends!