The Top Fixed Interest Savings Discussion Area

topyam

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. 

Me too! Annoying we can't

crumpet_man

DRS1 said:

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).

Fair enough, we might not know for sure until someone confirms they have opened an account and can manage it online without the app.

DRS1

crumpet_man said:

DRS1 said:

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).

Fair enough, we might not know for sure until someone confirms they have opened an account and can manage it online without the app.

Well I opened it and to quote the man who jumped off a skyscraper "So far so good".

katejo

DRS1 said:

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).

Even though I have a Smartphone, I don't really like using it for financial transactions. I much prefer a larger screen wherever possible. 

cloud_dog

We logged in via the webpage, opened and funded the 1 year fixed rate account.

lubylwu

crumpet_man said:

DRS1 said:

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).

Fair enough, we might not know for sure until someone confirms they have opened an account and can manage it online without the app.

I have had an account with Marcus for a few years and use it purely online, to successfully deposit and withdraw.   Don’t have the app and don’t want it.  I opened the fixed rate last year, and can’t see any problems accessing this online when it matures.

Ocelot

That Marcus one was just the trick, as needed a 1 yr FRB and the rate is good. Opened one today.

soulsaver

topyam 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. 

Me too! Annoying we can't

You can have a fixed joint ac as well.

Rollinghome

DRS1 said:

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 .

I notice that "14 days" can be slightly less in practice.

I opened an account at noon today and they say I've got until the 30th to fund.  That looks like 13.5 days to me.  At times, I've waited right to the wire to see what the MPC announce and most institutions give the full number of days starting from midnight.  Will remember not to count on that any more.  I note that the next day is a Saturday. At least Marcus is clear.

Rollinghome

topyam 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. 

Me too! Annoying we can't

Thanks, I wasn't aware of that. Presumably it's to prevent any gaming of the system somehow, but I don't see how staggering funding over time could do that. Odd.