The Top Fixed Interest Savings Discussion Area

Patr100

slinger2 said:

Atom still 4.5% for the 2-year.

Already nabbed that earlier. I'm in the very fortunate position of having to spread between more than one account due to the 85k FSCS protection limit. 

BillTee

Cynergy 6mth 4.85%  Anyone applied for this? Doesn't appear to be available when I apply. Rate showing is 4.76% on website and application.  Only found 4.85 on Compare Accounts link of website - when account opened, it states 4.76% Has it dropped already?

refluxer

BillTee said:

Cynergy 6mth 4.85%  Anyone applied for this? Doesn't appear to be available when I apply. Rate showing is 4.76% on website and application.  Only found 4.85 on Compare Accounts link of website - when account opened, it states 4.76% Has it dropped already?

It's still showing as 4.85% in the summary box (drop-down menu at the bottom of the account product page) - are you sure it isn't the 4.78% gross (monthly) figure you spotted ? It wouldn't be too surprising it the rate has dropped though, as it's been top of the 6 month fixed rates for a week or so now.

4.76% is also currently the loyalty rate for the 1 year fixed rate bond.

Yorkshire_Pud

cloud_dog said:

Hi...beggining of the month I opened a Gatehouse FR, and I made a £1 test deposit yesterday evening and it hadn't appeared in the FR account by 6:30pm (ish), and I've just seen in my current account that the £1 has been returned.

Am I right in thinking that as it is below the minimum FR balanc amount Gatehouse won't accept a £1 test payment? (Seems sort of obvious as they have returned it, I. just wanted to check with people who may have gone through this with GH)

Another catch I’ve fallen foul of is sending a deposit from a non nominated/linked external account which gets returned a day later. They accepted £1 to my easy access account, don’t know if different terms for a fixed rate account. Their message service seems populated by sensible humans not bots so may be worth sending one!

BillTee

refluxer said:

BillTee said:

Cynergy 6mth 4.85%  Anyone applied for this? Doesn't appear to be available when I apply. Rate showing is 4.76% on website and application.  Only found 4.85 on Compare Accounts link of website - when account opened, it states 4.76% Has it dropped already?

It's still showing as 4.85% in the summary box (drop-down menu at the bottom of the account product page) - are you sure it isn't the 4.78% gross (monthly) figure you spotted ? It wouldn't be too surprising it the rate has dropped though, as it's been top of the 6 month fixed rates for a week or so now.

4.76% is also currently the loyalty rate for the 1 year fixed rate bond.

Yes, that's where I saw 4.85 but when I proceed to open 6mth, key features and confirmation email shows 4.76 so I guess it must have dropped and they hanven't updated that page.

peter021072

Has anyone had any issues with Hampshire Trust Bank's fixed rate accounts since they changed their site?  I'm intending to take out the money from a 2 year fix and place it into another fixed rate deal at another bank.  However, to do this they expect you to enter exactly how much you wish returned to your nominated account rather than have a 'whole balance' option. It would be easy enough to calculate the capital plus 4.65% interest, but it refuses any higher total than the original capital plus a miniscule amount (about 0.1%).  I'm thinking of entering a 14 day window for another fixed deal from another bank, but if HTB mess me around and fail to return the balance on the same day as maturity I may miss the window, and they don't fill me with confidence.

Pompeydave1967

Atom rates now 4.6% across the board 9 months - 5 yr fixed 

refluxer

Pompeydave1967 said:

Atom rates now 4.6% across the board 9 months - 5 yr fixed 

Interestingly, that's a small reduction in the 6 month - 1 year rates and small increase in the 2 - 5 year rates. 

SpanishBlue

BillTee said:

refluxer said:

BillTee said:

Cynergy 6mth 4.85%  Anyone applied for this? Doesn't appear to be available when I apply. Rate showing is 4.76% on website and application.  Only found 4.85 on Compare Accounts link of website - when account opened, it states 4.76% Has it dropped already?

It's still showing as 4.85% in the summary box (drop-down menu at the bottom of the account product page) - are you sure it isn't the 4.78% gross (monthly) figure you spotted ? It wouldn't be too surprising it the rate has dropped though, as it's been top of the 6 month fixed rates for a week or so now.

4.76% is also currently the loyalty rate for the 1 year fixed rate bond.

Yes, that's where I saw 4.85 but when I proceed to open 6mth, key features and confirmation email shows 4.76 so I guess it must have dropped and they hanven't updated that page.

24 hours later and it still shows 4.85% on their summary page.

That's pretty poor from Cynergy if they have lowered the rate but continue to show the older higher rate.

BillTee

SpanishBlue said:

BillTee said:

refluxer said:

BillTee said:

Cynergy 6mth 4.85%  Anyone applied for this? Doesn't appear to be available when I apply. Rate showing is 4.76% on website and application.  Only found 4.85 on Compare Accounts link of website - when account opened, it states 4.76% Has it dropped already?

It's still showing as 4.85% in the summary box (drop-down menu at the bottom of the account product page) - are you sure it isn't the 4.78% gross (monthly) figure you spotted ? It wouldn't be too surprising it the rate has dropped though, as it's been top of the 6 month fixed rates for a week or so now.

4.76% is also currently the loyalty rate for the 1 year fixed rate bond.

Yes, that's where I saw 4.85 but when I proceed to open 6mth, key features and confirmation email shows 4.76 so I guess it must have dropped and they hanven't updated that page.

24 hours later and it still shows 4.85% on their summary page.

That's pretty poor from Cynergy if they have lowered the rate but continue to show the older higher rate.

I wonder if the Loyalty Rate 4.85  " ** For Fixed Rate Bonds on maturity when you reinvest. "   means that you only receive the 4.85 for 6mths if you THEN reinvest with C on maturity - not clear and not typical of Cynergy, which usually specifies bonus component.