The Top Easy Access Savings Discussion Area

slea11

alternate said:

Cynergy being web only but still making you fish your phone out to authenticate always feels dumb.  Their online banking is also what I would charitably call 'basic'.

I wouldn't describe it as "dumb". I thought using your phone / 2FA was par for the course these days. I need my phone to log in to Natwest OLB as they send me a OTP. For a savings account I can't see what additional functionality you would need from their online banking.

The Santander 2.75% EA account had caught my attention but I'm obviously happy with Cynergy's matching rate increase yesterday

alternate

slea11 said:

alternate said:

Cynergy being web only but still making you fish your phone out to authenticate always feels dumb.  Their online banking is also what I would charitably call 'basic'.

I wouldn't describe it as "dumb". I thought using your phone / 2FA was par for the course these days. I need my phone to log in to Natwest OLB as they send me a OTP. For a savings account I can't see what additional functionality you would need from their online banking.

The Santander 2.75% EA account had caught my attention but I'm obviously happy with Cynergy's matching rate increase yesterday

yeah I guess lots of banks do the OTP text thing.  Just if they are going to have an app, I don't want it just for authentication.  Plus if you have multiple ppl they can't use the same phone.

slea11

alternate said:

slea11 said:

alternate said:

Cynergy being web only but still making you fish your phone out to authenticate always feels dumb.  Their online banking is also what I would charitably call 'basic'.

I wouldn't describe it as "dumb". I thought using your phone / 2FA was par for the course these days. I need my phone to log in to Natwest OLB as they send me a OTP. For a savings account I can't see what additional functionality you would need from their online banking.

The Santander 2.75% EA account had caught my attention but I'm obviously happy with Cynergy's matching rate increase yesterday

yeah I guess lots of banks do the OTP text thing.  Just if they are going to have an app, I don't want it just for authentication.  Plus if you have multiple ppl they can't use the same phone.

I believe Cynergy are working on an app, so fingers crossed. It would be very useful.

oz0707

The cynergy app is a nightmare to authenticate if you change phone I can never find the link. Always have to go to the help section.

I am one of the dinosaurs who likes withdrawal to nominated account only. 

MrFrugalFever

Thanks @Daliah and those who helped with my query.

I’ve looked in to the Santander account and it seems as though you do not need a current account with them in order to open their account. Can anyone confirm?

The Barclays rainy day saver caught my eye but you need to have an existing rewards blue account with them - which I don’t.

Bigwheels1111

MrFrugalFever said:

Thanks @Daliah and those who helped with my query.

I’ve looked in to the Santander account and it seems as though you do not need a current account with them in order to open their account. Can anyone confirm?

The Barclays rainy day saver caught my eye but you need to have an existing rewards blue account with them - which I don’t.

No you do not, just applied 3 days ago and downloaded the app ready for the 2 letters you need to get started.
Made a £10 payment into the account and rang to check, it arrived.
While on the phone I moved £2990.00 over and took seconds to arrive.
Very impressed.

10_66

tg99 said:

Anyone know if Santander easy access savings accounts can still be funded via direct debits from an external bank account? Seem to recall a few years ago this could be done but only via a form in the post but even then in some cases it didn’t get set up?

I tried to do this on an older eSaver I have with them several months' ago.  I posted off the form, full of hope, and still nothing's been set up.  They certainly did do it as I have another DD with them for another eSaver account, but I haven't got the strength to go through their CS as none of them used to acknowledge that this option existed anyway, way back.

jewelly

Received from Gatehouse this morning:-

We want to notify you that we are increasing the expected profit rate on your Gatehouse Bank EASY ACCESS account effective 14th October 2022 as follows: 

Current rate	New higher rate
2.00%	2.25%

Imvrasos

jewelly said:

Received from Gatehouse this morning:-

We want to notify you that we are increasing the expected profit rate on your Gatehouse Bank EASY ACCESS account effective 14th October 2022 as follows: 

Current rate	New higher rate
2.00%	2.25%

Got the email, referencing 2.23% as I have selected monthly interest. Not enough to claim my cash from Santander, Gatehouse account will remain unused.

As a warning for people looking to open a new account with Gatehouse, for me the process required a passcode being sent through the post, in order to enable withdrawals. 

financialbliss

Imvrasos said:

As a warning for people looking to open a new account with Gatehouse, for me the process required a passcode being sent through the post, in order to enable withdrawals. 

Still showing as being under review / not available for new applicants:
https://gatehousebank.com/personal/savings/easy-access