The Top Easy Access Savings Discussion Area

soulsaver

iishappy said:

Zopa Increased rates in App today

1.85% Access anytime | 1.90% 7 day notice | 2.05% 31 days notice | 2.25% 95 days notice

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Must be pretty hot off the press - I was logged in this morning and the old rates were showing... Top EA ranked list updated, here, thanks.

Malchester

WBCPB said:

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!

I recently transferred funds to Gatehouse on Saturday morning and they arrived within 3 hours. I sent more after 1pm on the same Saturday and they were in the account early Sunday morning. Further funds sent Sunday morning were there Monday morning.

jimexbox

iishappy said:

Zopa Increased rates in App today

1.85% Access anytime | 1.90% 7 day notice | 2.05% 31 days notice | 2.25% 95 days notice

-------------------------

Got to hand it to zopa, they have a great product. They do stay competitive and react to competitors/base rate rises fairly quickly. 

Bobblehat

jimexbox said:

iishappy said:

Zopa Increased rates in App today

1.85% Access anytime | 1.90% 7 day notice | 2.05% 31 days notice | 2.25% 95 days notice

-------------------------

Got to hand it to zopa, they have a great product. They do stay competitive and react to competitors/base rate rises fairly quickly. 

Just a pity they restrict it to app only, as I have an online managed account with them that suits me to a Tee. YMMV

Zaul22

Just noticed Zopa too, they haven't even updated their own website yet. Also just got my first interest and noticed the one annoying thing about it. Interest gets paid into the pots and you can't move it cos they are access pots. It needs an option to pay the interest into the primary pot. 

soulsaver

Zaul22 said:

 Interest gets paid into the pots and you can't move it cos they are access pots. It needs an option to pay the interest into the primary pot. 

Eh? You mean 'cos they are NOT access pots?

SonOfPearl

For anyone with an existing Tesco 1.71% Internet Saver, the rate has risen to 1.81% today since the underlying rate (excluding the 1 year bonus) has gone up from 0.25% to 0.35%. 

It's not available to new applicants unfortunately (for new accounts although the underlying rate has gone up to 0.35%, the bonus has gone down to 1.36%).

https://www.tescobank.com/savings/flexible/internet-saver/ 

Section62

SonOfPearl said:

It's not available to new applicants unfortunately (for new accounts although the underlying rate has gone up to 0.35%, the bonus has gone down to 1.36%).

Not the first time they have done this, with Tesco it seems to be a case of grabbing the offer while it is there....

https://forums.moneysavingexpert.com/discussion/comment/79449672/#Comment_79449672

castle96

Mmmm. Just found 2 x Internet Savers (one with £2k in !!) and one shows a rate of 0.35 and the other .94. Neither shows a bonus rate added to it. Any thoughts please?

refluxer

castle96 said:

Mmmm. Just found 2 x Internet Savers (one with £2k in !!) and one shows a rate of 0.35 and the other .94. Neither shows a bonus rate added to it. Any thoughts please?

Doesn't the bonus rate just last for 12 months ? The bonus interest is paid on the anniversary of account opening and beyond that, presumably the account reverts to the basic rate.