The Top Fixed Interest Savings Discussion Area

katejo

DRS1 said:

GalacticaActual said:

Marcus has launched a 1-year fixed rate saver (13th January 2026?):

4.55% AER/gross* (fixed)

• 14 days to add up to £250,000
• Fixed interest rate for 1 year
• You can only hold one sole 1 Year Fixed Rate Saver account and one joint 1 Year Fixed Rate Saver account at any one time. You'll be able to apply for a new sole or joint 1 Year Fixed Rate Saver account once your fixed term has ended.
  

More details: https://www.marcus.co.uk/uk/en/savings/fixed-term-saver

Do you need an App for this account?  Almost the first thing I saw on the page was a download from Apple or Google bit.  But when I read the summary it seemed to say you could open and manage it online.

I wondered that too. I was just looking at the account as a possible one to transfer to. I only use apps for accounts where I need to access them frequently. Otherwise I prefer to view online. 

ColdIron

It's Marcus so primarily web based. They do have an app but I've never used it

mebu60

refluxer said:

I'd recommend anyone interested in that Marcus fixed rate saver to open one sooner rather than later because, just like their last one, it may not hang around for long due to it being a decent amount higher than anything else available.

As long as you haven't got a Marcus Fixed Rate Saver already. This matches the 4.55% I got with them back in October. Would've definitely added another if I had been able to. 

katejo

mebu60 said:

refluxer said:

I'd recommend anyone interested in that Marcus fixed rate saver to open one sooner rather than later because, just like their last one, it may not hang around for long due to it being a decent amount higher than anything else available.

As long as you haven't got a Marcus Fixed Rate Saver already. This matches the 4.55% I got with them back in October. Would've definitely added another if I had been able to. 

I haven't used Marcus before. Can I make a further addition to the account once started or is it just the initial lump sum?

littlemoney

You can only have one fixed rate saver with Marcus.

Marcus websire state "You cannot hold more than one sole and one joint account for each account type". I opened a Marcus fixed rate saver last year and it won't allow me to have another.

Shame I have a bond maturing soon elsewhere and this is would have been a good home for the funds.

DRS1

katejo said:

mebu60 said:

refluxer said:

I'd recommend anyone interested in that Marcus fixed rate saver to open one sooner rather than later because, just like their last one, it may not hang around for long due to it being a decent amount higher than anything else available.

As long as you haven't got a Marcus Fixed Rate Saver already. This matches the 4.55% I got with them back in October. Would've definitely added another if I had been able to. 

I haven't used Marcus before. Can I make a further addition to the account once started or is it just the initial lump sum?

You have a 14 day funding window so you can add in that window but not afterwards.  I just opened one and got a message saying I can pay in until 27 January .

crumpet_man

DRS1 said:

GalacticaActual said:

Marcus has launched a 1-year fixed rate saver (13th January 2026?):

4.55% AER/gross* (fixed)

• 14 days to add up to £250,000
• Fixed interest rate for 1 year
• You can only hold one sole 1 Year Fixed Rate Saver account and one joint 1 Year Fixed Rate Saver account at any one time. You'll be able to apply for a new sole or joint 1 Year Fixed Rate Saver account once your fixed term has ended.
  

More details: https://www.marcus.co.uk/uk/en/savings/fixed-term-saver

Do you need an App for this account?  Almost the first thing I saw on the page was a download from Apple or Google bit.  But when I read the summary it seemed to say you could open and manage it online.

Scroll down a bit and there is an apply button, or click this:

https://www.marcus.co.uk/uk/en/savings/select-product?productType=ftd

Or if you already have an account, login to online banking and apply from there.

DRS1

crumpet_man said:

DRS1 said:

GalacticaActual said:

Marcus has launched a 1-year fixed rate saver (13th January 2026?):

4.55% AER/gross* (fixed)

• 14 days to add up to £250,000
• Fixed interest rate for 1 year
• You can only hold one sole 1 Year Fixed Rate Saver account and one joint 1 Year Fixed Rate Saver account at any one time. You'll be able to apply for a new sole or joint 1 Year Fixed Rate Saver account once your fixed term has ended.
  

More details: https://www.marcus.co.uk/uk/en/savings/fixed-term-saver

Do you need an App for this account?  Almost the first thing I saw on the page was a download from Apple or Google bit.  But when I read the summary it seemed to say you could open and manage it online.

Scroll down a bit and there is an apply button, or click this:

https://www.marcus.co.uk/uk/en/savings/select-product?productType=ftd

Or if you already have an account, login to online banking and apply from there.

Yes Thanks I did that.  

I was just checking that you didn't actually need an app to do things like get the money out at the end of the term. Sometimes you can apply online but then you need an app to log on or deal with withdrawals.

crumpet_man

DRS1 said:

crumpet_man said:

DRS1 said:

GalacticaActual said:

Marcus has launched a 1-year fixed rate saver (13th January 2026?):

4.55% AER/gross* (fixed)

• 14 days to add up to £250,000
• Fixed interest rate for 1 year
• You can only hold one sole 1 Year Fixed Rate Saver account and one joint 1 Year Fixed Rate Saver account at any one time. You'll be able to apply for a new sole or joint 1 Year Fixed Rate Saver account once your fixed term has ended.
  

More details: https://www.marcus.co.uk/uk/en/savings/fixed-term-saver

Do you need an App for this account?  Almost the first thing I saw on the page was a download from Apple or Google bit.  But when I read the summary it seemed to say you could open and manage it online.

Scroll down a bit and there is an apply button, or click this:

https://www.marcus.co.uk/uk/en/savings/select-product?productType=ftd

Or if you already have an account, login to online banking and apply from there.

Yes Thanks I did that.  

I was just checking that you didn't actually need an app to do things like get the money out at the end of the term. Sometimes you can apply online but then you need an app to log on or deal with withdrawals.

The FAQ says open and manage online, no mention of the app.

DRS1

crumpet_man said:

DRS1 said:

crumpet_man said:

DRS1 said:

GalacticaActual said:

Marcus has launched a 1-year fixed rate saver (13th January 2026?):

4.55% AER/gross* (fixed)

• 14 days to add up to £250,000
• Fixed interest rate for 1 year
• You can only hold one sole 1 Year Fixed Rate Saver account and one joint 1 Year Fixed Rate Saver account at any one time. You'll be able to apply for a new sole or joint 1 Year Fixed Rate Saver account once your fixed term has ended.
  

More details: https://www.marcus.co.uk/uk/en/savings/fixed-term-saver

Do you need an App for this account?  Almost the first thing I saw on the page was a download from Apple or Google bit.  But when I read the summary it seemed to say you could open and manage it online.

Scroll down a bit and there is an apply button, or click this:

https://www.marcus.co.uk/uk/en/savings/select-product?productType=ftd

Or if you already have an account, login to online banking and apply from there.

Yes Thanks I did that.  

I was just checking that you didn't actually need an app to do things like get the money out at the end of the term. Sometimes you can apply online but then you need an app to log on or deal with withdrawals.

The FAQ says open and manage online, no mention of the app.

As I said I read the summary but I also saw the reference to downloading the app from somewhere which is in the big box at the top of the page so I queried it.  It wouldn't be the first time I had got through an application process to find there was something you could only do with an app.  Far too many savings institutions these days think people have smart phones (or tablets).