The Top Fixed Interest Savings Discussion Area

Band7

wiseonesomeofthetime said:

Did it insist that the account number was invalid, or that the payee details did not match?

I doubt very much whether Santander would know all of Atom's account numbers tbh.

You can override the former.

Invalid account number, it said. Impossible to overwrite this, can't continue. I did also try it from my Starling account who said they couldn't verify the account.

Anyway, something updated overnight and Santander do recognise the account now.

Bobblehat

Ted_E_Bear said:

Despite talking to them on the phone yesterday afternoon, my Charter Savings Bank fixed 2 year savings account is still saying 4.6%.

Unimpressed.

I've been with them for some time and while frequently up there near the top of the interest charts, they are not exactly Speedy Gonzales when it comes to changes or paying interest out to external accounts! I opened the 2-year fix on the 10th, funded it on 11th and the error in the interest rate has only just been corrected late yesterday/this morning! They get there eventually

Band7

Re Charter accounts

I am on my first fixed term account with Charter. I opened it on the 10th, made my first deposit on the 16th. The maturity date now shows as 16/11/2024, not 10/11/2024.

This made me wonder whether one of you knows: if you make a deposit within the 14-day window, does the 14 day deposit window then start on the day you make your first deposit? or does the deposit period always start from account opening date? 

Bobblehat

Band7 said:

Re Charter accounts

I am on my first fixed term account with Charter. I opened it on the 10th, made my first deposit on the 16th. The maturity date now shows as 16/11/2024, not 10/11/2024.

This made me wonder whether one of you knows: if you make a deposit within the 14-day window, does the 14 day deposit window then start on the day you make your first deposit? or does the deposit period always start from account opening date? 

I opened my 2-year Fix on 10th and funded it on 11th ..... showing maturity date 11/11/2024.

OH opened hers on 10th and funded it on 12th .... showing maturity date as 12/11/2024.

Never noticed it before, but it seems like your question as to when the account starts appears to be the funding date!

Not sure about the 14-day window bit though!

jak22

The email clearly says "We need to receive your initial deposit within 14 days of the date of your application" and "After we receive your initial deposit, you can send multiple, separate deposits if you wish, as long as we receive them within 14 days of the application"

EssexHebridean

Band7 said:

EssexHebridean said:

Atom 1 year fixed just opened here - we already have a 9 month fix with them, the plan is to leave the 1 year unfunded until next week hoping we see what effect the autumn statement tomorrow has, if any. At least then if rates do fall we have it locked in.

I opened a 6 month Atom one tonight, as a holding account for my 2023-24 ISA balance. Then tried to pay money in from Santander - wasn't able to do this as Santander insisted that the Atom account number was invalid. Hope this will sort itself sometime tomorrow.

This is interesting - I fully expected to have to make my first Santander > Atom transfer for the previous account I opened with them without account details being verified as I had literally just opened the account. To my astonishment it verified my details immediately. I'm glad your issue had resolved by this morning. 

littlemissbossy

RCI Bank 2 year fixed rate has dropped from 4.85% to 4.50%

https://www.rcibank.co.uk/savings/2-year-fixed-term-account

Rheumatoid

littlemissbossy said:

RCI Bank 2 year fixed rate has dropped from 4.85% to 4.50%

https://www.rcibank.co.uk/savings/2-year-fixed-term-account

Haven't funded mine yet but hopefully the 4.85 will be honoured:

andyhicks88

Have Kent Reliance pulled their fixed savers as I don't see them on their website? Though there is a message that comes up about exclusive fixed rate accounts for existing customers?

refluxer

andyhicks88 said:

Have Kent Reliance pulled their fixed savers as I don't see them on their website? Though there is a message that comes up about exclusive fixed rate accounts for existing customers?

Yes, it looks like they've pulled all their fixed rate accounts - to new customers at least.