The Top Easy Access Savings Discussion Area

BestSeagull

 

@Stargunner There don't need to be any direct debits coming out of the account you use for the switch? 

There doesn’t need to be any with First Direct. Some banks do insist that you have direct debits. 

Thank you! 

Band7

BestSeagull said:

 

@Stargunner There don't need to be any direct debits coming out of the account you use for the switch? 

There doesn’t need to be any with First Direct. Some banks do insist that you have direct debits. 

Thank you! 

Switching very off-topic for this thread but since @BestSeagull is a newbie: whether you need DDs does not depend on a bank but on the individual switch offer terms. These can, and do, change from time to time, even at the same bank. Please head over to the Banking board for discussions of switch offers.

4justice2

Interesting to see the comments on Santander 2.75% eSaver. I agree it looks unlikely they will raise the rate as I presume they got the funds they needed and and influx of new customers.
I've already got the Coventry Limited Access at 2.85%, which increases to 3.25% from 6.1.23.
Most of my funds will go there if Santander doesn't increase it's rates. 

janusd

subjecttocontract said:

I 'opened' an HSBC account online on the 6th December......i don't have an account number, sort code, debit card, pin or telephone banking id. Therefore I can't register for digital banking. HSBC may consider it open.......I don't as we are being held to ransom by the postal service.

you're not alone - I "opened" it on the 3rd and i've got everything apart from the telephone id - which considering I only opened it to get access to their RS, is rather important to not have... sadly, in a moment of confusion and not remembering if I entered an phone id during setup, I tried accessing it via the app and site and think the account is now locked.

if/when I ever get the phone id in the post, if I find that it is locked, then i'll probably just close the account - i'm not paying 25p per min to call them just to access an account that i no longer need (I setup the Coventry FHS in seconds, compared to 3+ weeks of not being able to access HSBC... First Direct was pretty much immediate too) - I guess calling at weekends would be free for me, but wouldn't hold out much hope of the lines being staffed in the next two weekends!

Not that it matters, but I suspect the FD/HSBC credit checks will lose me my 999 rating with Experian for a year!

I-LOV-MONEY

A  question for those of you that give the appropriate notice on 'notice accounts'.  What actually happens?   Do they automatically send it to a 'linked' account, whether you want it or not?   If you don't want it, I presume you re-invest it.

Malchester

janusdesign said:

subjecttocontract said:

I 'opened' an HSBC account online on the 6th December......i don't have an account number, sort code, debit card, pin or telephone banking id. Therefore I can't register for digital banking. HSBC may consider it open.......I don't as we are being held to ransom by the postal service.

you're not alone - I "opened" it on the 3rd and i've got everything apart from the telephone id - which considering I only opened it to get access to their RS, is rather important to not have... sadly, in a moment of confusion and not remembering if I entered an phone id during setup, I tried accessing it via the app and site and think the account is now locked.

if/when I ever get the phone id in the post, if I find that it is locked, then i'll probably just close the account - i'm not paying 25p per min to call them just to access an account that i no longer need (I setup the Coventry FHS in seconds, compared to 3+ weeks of not being able to access HSBC... First Direct was pretty much immediate too) - I guess calling at weekends would be free for me, but wouldn't hold out much hope of the lines being staffed in the next two weekends!

Not that it matters, but I suspect the FD/HSBC credit checks will lose me my 999 rating with Experian for a year!

Same with me. Got everything except telephone ID. Rang them and got an idiot on the end of the line who said he could do nothing but order another one which I would get in 14 days. I said it wasn't good enough and asked to speak to a manager. He said he couldn't put me through without a telephone ID. Gave up and rang again and spoke to someone who was really helpful. She said she could sort out telephone ID there and then and did within a couple of minutes was sorted. She also took me through the registration process. All now up and running. She also apologised for the first person i spoke to who was wrong.

Bridlington1

janusdesign said:

subjecttocontract said:

I 'opened' an HSBC account online on the 6th December......i don't have an account number, sort code, debit card, pin or telephone banking id. Therefore I can't register for digital banking. HSBC may consider it open.......I don't as we are being held to ransom by the postal service.

you're not alone - I "opened" it on the 3rd and i've got everything apart from the telephone id - which considering I only opened it to get access to their RS, is rather important to not have... sadly, in a moment of confusion and not remembering if I entered an phone id during setup, I tried accessing it via the app and site and think the account is now locked.

if/when I ever get the phone id in the post, if I find that it is locked, then i'll probably just close the account - i'm not paying 25p per min to call them just to access an account that i no longer need (I setup the Coventry FHS in seconds, compared to 3+ weeks of not being able to access HSBC... First Direct was pretty much immediate too) - I guess calling at weekends would be free for me, but wouldn't hold out much hope of the lines being staffed in the next two weekends!

Not that it matters, but I suspect the FD/HSBC credit checks will lose me my 999 rating with Experian for a year!

You don't need to pay 25p per min to call them. I discovered back in February that they have a freephone number that works just as well. Just ring their voice ID setup line on 08000 852 380. When it asks you to input your debit card number just type a load of random numbers in, I use 1234567890123456. The voice ID setup line fails as it can't find those account details and transfers you through to the same people you would speak to if you rang any of the 03 numbers.

jaypers

I-LOV-MONEY said:

A  question for those of you that give the appropriate notice on 'notice accounts'.  What actually happens?   Do they automatically send it to a 'linked' account, whether you want it or not?   If you don't want it, I presume you re-invest it.

You normally get a choice where you want it paid, eg: linked account. You’ll then see it as a pending withdrawal with a date assigned. Varies from platform to platform slightly. All very efficient and normal. 

phillw

Bridlington1 said:
Just ring their voice ID setup line on 08000 852 380.

You could also try 0800 520420

Though I wonder how someone manages without a mobile phone with included minutes these days.

Section62

Bridlington1 said:

....The voice ID setup line fails as it can't find those account details and transfers you through to the same people you would speak to if you rang any of the 03 numbers.

With most automated call systems pressing and holding one of "#" or "*" or "0" will usually make the automated system give up on you and dump you onto a human being... trial and error generally finds the right way in each case.

So the technique generally works for any 0800 number where the call is initially handled by an automated system.