Tandem Instant Access Saver? Anyone got one? Worth Opening?

Turnipfarmer

Morning All

I am thinking about opening an Tandem Instant Access Saver, anyone got one of these?

Only thing that is putting me off opening one is the horror stories of the app being a bit buggy and some bad customer experience.

How have you guys found Tandem?

ChilliBob

I find the app quite annoying if I'm honest. And if I try to out in more than £5k it doesn't let me. I do find it worse to use than other apps, but there you go, the rate is decent so worth putting up eith it! 

Turnipfarmer

ChilliBob said:

I find the app quite annoying if I'm honest. And if I try to out in more than £5k it doesn't let me. I do find it worse to use than other apps, but there you go, the rate is decent so worth putting up eith it! 

Are the bank transfers from Tandem and vice versa instant? eg not got to wait few days like the Chip+ account?

ChilliBob

I'm going between Lloyds and Tandem, and yeah, pretty much instant, or certainly not long, 100% not a days thing. 

colsten

My ramblings about the Tandem 0.65% account: https://forums.moneysavingexpert.com/discussion/comment/78531668/#Comment_78531668

I would be using it as my instant access account if I didn't still have another one elsewhere that pays a better rate. I might be using Tandem for money that I need at weekends once I have it confirmed that they do process withdrawals at weekends.

colsten

ChilliBob said:

I find the app quite annoying if I'm honest. And if I try to out in more than £5k it doesn't let me. I do find it worse to use than other apps, but there you go, the rate is decent so worth putting up eith it! 

So what do you do if you need more than £5K?

ChilliBob said:

I'm going between Lloyds and Tandem, and yeah, pretty much instant, or certainly not long, 100% not a days thing. 

Does that work at weekends and on bank holidays?

ChilliBob

If I need to move more than 5k I find I need fo do if later, so tbh it ends up being something I often forget for a day or few!

I don't need to take the cash out, but if I did I'd make sure this account was probably last priority tbh 

ChilliBob

On and not sure about weekend timing, if I remember I'll try tomorrow! 

masonic

colsten said:

My ramblings about the Tandem 0.65% account: https://forums.moneysavingexpert.com/discussion/comment/78531668/#Comment_78531668

I would be using it as my instant access account if I didn't still have another one elsewhere that pays a better rate. I might be using Tandem for money that I need at weekends once I have it confirmed that they do process withdrawals at weekends.

I have made a withdrawals at the weekend when previously using this account and they turned up in my current account within 1-2 hours. It does seem a bit variable, like Marcus, but is an advantage Tandem has over Al Rayan.

ChilliBob

Yes, it works at the weekend. I pulled 5k from Lloyds about 9 or so and before 10 Tandem texted me to say it was received etc.

orange-juice

Has anyone been able to link their Tandem savings account with a M Plus Virgin Money current account?