Plum Savings Account (4.21%) Easy Access Savings

flaneurs_lobster

phillw said:

flaneurs_lobster said:
That message is genuine.

I received an email once claiming to be from nationwide which had spelling mistakes and grammar like it had been written by someone who's first language wasn't english. There was also a big "click here to login" button with a rather odd looking url.

I contacted nationwide and their response was, "yes that is a genuine email".

So I now treat all communication as both legitimate and fraudulent at the same time.

It is poor, at least some (most?) banks/BS will now include some personalised information in their e-mailings although this, of itself, doesn't mean that the mail is genuine.

Middle_of_the_Road

Mediamonarch said:

gt94sss2 said:

Mediamonarch said:

I recently discovered the Easy Access Savings account with Plum at 4.21% (with a premium subscription). I currently have all my savings in a Santander eSaver at 1.97%. I was considering moving a large majority of my savings to take advantage of the 4.21% but It makes me feel a bit apprehensive (probably due to it being not a mainstream bank) so I have a fear of my money getting "stuck" somehow in that account and not being able to access it. Does anybody know if it's generally safe to use? I was thinking of having my money in for a year before I apply for a mortgage this time next year 

Have a look at something like https://moneyfactscompare.co.uk/savings-accounts/ to choose better accounts than the Santander savings account you have or Plum

If you want an instant access account, Cahoot for instance (owned by Santander) pay 4.9%.

Other providers will pay higher rates of you're willing to take out a fixed rate bond.

Cahoot seems good, I also like that it is owned by Santander I feel a bit more at ease with something like that personally 

The Cahoot 4.9% account can be matched account has been withdrawn if you have £50k or above by Ulster bank (part of Natwest group) who offer the same rate.

Savings - Personal Banking | Ulster Bank Northern Ireland

gt94sss2

Middle_of_the_Road said:

Mediamonarch said:

gt94sss2 said:

Mediamonarch said:

I recently discovered the Easy Access Savings account with Plum at 4.21% (with a premium subscription). I currently have all my savings in a Santander eSaver at 1.97%. I was considering moving a large majority of my savings to take advantage of the 4.21% but It makes me feel a bit apprehensive (probably due to it being not a mainstream bank) so I have a fear of my money getting "stuck" somehow in that account and not being able to access it. Does anybody know if it's generally safe to use? I was thinking of having my money in for a year before I apply for a mortgage this time next year 

Have a look at something like https://moneyfactscompare.co.uk/savings-accounts/ to choose better accounts than the Santander savings account you have or Plum

If you want an instant access account, Cahoot for instance (owned by Santander) pay 4.9%.

Other providers will pay higher rates of you're willing to take out a fixed rate bond.

Cahoot seems good, I also like that it is owned by Santander I feel a bit more at ease with something like that personally 

The Cahoot 4.9% account has been withdrawn. 

Are you sure?

The account is sill showing on https://www.cahoot.com/products-and-services/cahoot-simple-saver and the apply link goes to the application form..

Also still listed on Moneyfacts as well as https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#easyaccess

Middle_of_the_Road

gt94sss2 said:

Middle_of_the_Road said:

Mediamonarch said:

gt94sss2 said:

Mediamonarch said:

I recently discovered the Easy Access Savings account with Plum at 4.21% (with a premium subscription). I currently have all my savings in a Santander eSaver at 1.97%. I was considering moving a large majority of my savings to take advantage of the 4.21% but It makes me feel a bit apprehensive (probably due to it being not a mainstream bank) so I have a fear of my money getting "stuck" somehow in that account and not being able to access it. Does anybody know if it's generally safe to use? I was thinking of having my money in for a year before I apply for a mortgage this time next year 

Have a look at something like https://moneyfactscompare.co.uk/savings-accounts/ to choose better accounts than the Santander savings account you have or Plum

If you want an instant access account, Cahoot for instance (owned by Santander) pay 4.9%.

Other providers will pay higher rates of you're willing to take out a fixed rate bond.

Cahoot seems good, I also like that it is owned by Santander I feel a bit more at ease with something like that personally 

The Cahoot 4.9% account has been withdrawn. 

Are you sure?

The account is sill showing on https://www.cahoot.com/products-and-services/cahoot-simple-saver and the apply link goes to the application form..

Also still listed on Moneyfacts as well as https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#easyaccess

You are correct. Was confusing with behive i think. will edit.