The Top Easy Access Savings Discussion Area

chris_the_bee

Wheres_My_Cashback said:

Anyone know if YBS (Loyalty 6 Access) credit deposits on a weekend ?

All of my payments have credited on 1st of a month regardless of whether it is a Saturday, Sunday or Bank Holiday.

orange-juice

refluxer said:

anticlaus105 said:

Well I haven't received my £5 reward for October yet. This is even more odd given I didn't open the saver yet.

It'll just be a matter of timing. Have you recently joined the Blue Reward scheme and if so, have the required 2 direct debits come out since you joined ? The £800 payment in may also be required in that time-frame too.

I rejoined the Blue Reward scheme last Friday (30th Sept) and opened a Rainy Day Saver the same day. I have a load of DDs that come out on the 1st. The £5 Blue Rewards fee was taken on Weds 5th Oct and the £5 DD reward payment was credited the same day, so that is proof that the £5 Blue Rewards fee is still cancelled out provided you meet the criteria. Having a Rainy Day Saver does not affect this.

Smart thinking! My dds don’t come out until the tail end of the month, so based on previous experience, I won’t get my reward until the month after (and be charged another 5). So down -3 so far, but overall interest should be 4.94% annually or so. Still good enough.

wiseonesomeofthetime

Soulsaver - above link just goes to latest post. 

RG2015

soulsaver said:

The Top Easy Access Savings Discussion Area - Page 788 — MoneySavingExpert Forum

Sorry to pick you up but your top link isn't going anywhere.

soulsaver

It was me being idle. I just posted it temp so I could click the sig box link on it to find my way back to the list - just underscoring why the ToTP new page will be useful.

And there it is in my signature box, and for those set to hide signatures, it's here

It's intentional that it takes you to the guidelines first..

Wheres_My_Cashback

chris_the_bee said:

Wheres_My_Cashback said:

Anyone know if YBS (Loyalty 6 Access) credit deposits on a weekend ?

All of my payments have credited on 1st of a month regardless of whether it is a Saturday, Sunday or Bank Holiday.

Thanks, but is that for the new Loyalty 6 Access saver that's only been available for a couple of weeks or another a/c, not that I'd expect them to have different crediting rules for different a/c.

soulsaver

wiseonesomeofthetime said:

Soulsaver - above link just goes to latest post. 

Great - just what I wanted..

RG2015

By inference I am now free to "chat" on this thread. Okay, not really chat but something others may find useful.

The Virgin Money easy access Exclusive ISA is paying 2.25% pa with interest paid annually at the end of December. It does require the VM current account but many will already have this.

This is my go to easy access account now as it is a flexible ISA. I have £10k allowable from a previous year so technically I could have up to £30k.

However, I currently am holding back on this year's £20k in case something else comes up.

fletcher1985

SeriousHoax said:

That's my Zopa account drained down to £1 ( can't wait any longer)

I have just done the same and gone to ybs.

cricidmuslibale

RG2015 said:

By inference I am now free to "chat" on this thread. Okay, not really chat but something others may find useful.

The Virgin Money easy access Exclusive ISA is paying 2.25% pa with interest paid annually at the end of December. It does require the VM current account but many will already have this.

This is my go to easy access account now as it is a flexible ISA. I have £10k allowable from a previous year so technically I could have up to £30k.

However, I currently am holding back on this year's £20k in case something else comes up.

I also have this exclusive VM easy access ISA and am very grateful to be able to have it at the moment. However, if before the end of this tax year Virgin Money release a Fixed Rate ISA that has a high enough interest rate over the right length of time to seriously interest me in saving into it, will it be possible for me to transfer the whole of my easy access ISA money into this replacement Fixed Rate ISA please? Also does anyone know whether, if this is allowed, the easy access ISA is closed as part of the internal transfer or whether it remains open with a zero balance please?