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The Top Easy Access Savings Discussion Area

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Comments

  • I see Charter are doing 2.25% instant access, minimum £5,000. Will need to move my ZOPA money across, have to commit to a 3 month notice period to get the same rate.
  • jimexbox
    jimexbox Posts: 12,487 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I see Charter are doing 2.25% instant access, minimum £5,000. Will need to move my ZOPA money across, have to commit to a 3 month notice period to get the same rate.
    I'm giving zopa until Wednesday to increase rates. If not, I'm off. 
  • jimexbox said:
    I see Charter are doing 2.25% instant access, minimum £5,000. Will need to move my ZOPA money across, have to commit to a 3 month notice period to get the same rate.
    I'm giving zopa until Wednesday to increase rates. If not, I'm off. 
    My 95 day pots mature tomorrow, so my money will be on the move to my YBS at 2.50%
  • Daliah
    Daliah Posts: 3,792 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    Question; if you move money on the weekend to a savings account where the money won't show in your account until the Monday, does the interest earned get 'backdated' to the weekend day when the transfer was initiated, or does it only begin once it appears in the new account on the Monday?
    It depends on when the savings provider credits the money. You can see that date in your transaction list, and you can ask the provider what their practice is. Or m ay be someone knows if you mention your provider. For example, Charter Bank would not credit a deposit you make today until tomorrow. NS&I would credit it today. In any event, though, one or two days interest will not be a lot at present rates
  • soulsaver
    soulsaver Posts: 6,736 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    edited 2 October 2022 at 1:03PM
    snnexus6 said:
    This is hardly going to affect much apart from the back end of the Top 12, but Investec Online Flexi Saver is now at 1.95% AER for balances of £5k or more. (Less than £5k = 0%)

    unlimited withdrawals.

    Online Flexi Saver from Investec | Instant Access Savings Account

    ToTP updated accordingly :+1:
  • ForumUser7
    ForumUser7 Posts: 2,523 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    Hi, 
    For the Kent Reliance instant/easy access accounts, if I make a deposit via faster payments on a weekend does it clear on the weekend too? I find if I make a payment at like 00:01 on Monday, it is in my account by approx 9am Monday, and the same happens every Monday-Friday I’ve tried it, but I am wondering if this just applies to working days. For example if I made a transfer at 00:01 on Saturday, would it appear by approx 9am Saturday, or approx 9am Monday please?
    Just wondering about other people’s experiences with this really.
    Thank you
    If you want me to definitely see your reply, please tag me @forumuser7 Thank you.

    N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.
  • I find that Kent Reliance don't action any payments on the weekends, as they have cut off times. So if I have a payment by SO going in or a faster payment which has been made on Friday after the cut off, it won't go in until Monday, I get a text at 9am saying your deposit has been received. So anything done over the weekend won't happen until a working day.
  • Masetw
    Masetw Posts: 19 Forumite
    Part of the Furniture 10 Posts Combo Breaker
    I tried to register for Al Rayan saver on Friday got to step 4 and it said they would contact me to complete the application... haven't heard since... any ideas on what to do?
  • Notepad_Phil
    Notepad_Phil Posts: 1,605 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    edited 2 October 2022 at 4:59PM
    Masetw said:
    I tried to register for Al Rayan saver on Friday got to step 4 and it said they would contact me to complete the application... haven't heard since... any ideas on what to do?
    Wait for Monday?

    If they still don't ring then maybe ring them on the Tuesday on their 'contact us' telephone number 0800 4086 407.
  • Patr100
    Patr100 Posts: 2,804 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Masetw said:
    I tried to register for Al Rayan saver on Friday got to step 4 and it said they would contact me to complete the application... haven't heard since... any ideas on what to do?

    Wait til Monday?
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