NS&I 1 Year Guaranteed Growth Bonds and Guaranteed Income Bonds at 6.20%

friolento

silvercue said:

I might take the plunge...nearly did yesterday until I realised it was Debit Card payment only.  May have to work around that annoyance.  

You can also deposit from the NS&I Direct Saver. That one accepts bank transfers, incl Pay By Bank

huw01

I did start the application for this but between the nsandi website and their constant cookies message and the deposit restriction of only paying in by debit card I decided against it.

Opened a 6.1% 1 yr fixed thorugh Raisin. A lot simpler, all 3 deposits to my max amount done via faster payments. For the hassle of nsandi for the extra 0.1% I'm happy to forgo that

soulsaver

Use Chrome - I opened 3 tonight with no hassle (admittedly after issues with MS Edge). They all show funded as at now - so appear to pay interest immediately from the date the debit card transaction is accepted - immediately I've made the payment it's in the opened account dated today (13th) on my dashboard. 

Dandytf

friolento said:

silvercue said:

I might take the plunge...nearly did yesterday until I realised it was Debit Card payment only.  May have to work around that annoyance.  

You can also deposit from the NS&I Direct Saver. That one accepts bank transfers, incl Pay By Bank

Tempted as alternative to HL S+Isa.

silvercue

huw01 said:

I did start the application for this but between the nsandi website and their constant cookies message and the deposit restriction of only paying in by debit card I decided against it.

Opened a 6.1% 1 yr fixed thorugh Raisin. A lot simpler, all 3 deposits to my max amount done via faster payments. For the hassle of nsandi for the extra 0.1% I'm happy to forgo that

Yes, I am considering this as an alternative.  I hesitated becuase I have not heard of them before.   I will weigh up the options and go for one or the other early next week.  

huw01

soulsaver said:

Use Chrome - I opened 3 tonight with no hassle (admittedly after issues with MS Edge). They all show funded as at now - so appear to pay interest immediately from the date the debit card transaction is accepted - immediately I've made the payment it's in the opened account dated today (13th) on my dashboard. 

I was using chrome on a chromebook. The nsandi website has always had this constantly accept cookies on every page, I have premium bonds and I always had this issue with their website.

The deposit by debit card I'm not keen on, and as a big provider they really should be accepting faster pamynets. nah I've passed on the extra 0.1% interest.

friolento

huw01 said:

soulsaver said:

Use Chrome - I opened 3 tonight with no hassle (admittedly after issues with MS Edge). They all show funded as at now - so appear to pay interest immediately from the date the debit card transaction is accepted - immediately I've made the payment it's in the opened account dated today (13th) on my dashboard. 

I was using chrome on a chromebook. The nsandi website has always had this constantly accept cookies on every page, I have premium bonds and I always had this issue with their website.

The deposit by debit card I'm not keen on, and as a big provider they really should be accepting faster pamynets. nah I've passed on the extra 0.1% interest.

I have been using the NS&I site several times a month for a number of years. I use either Chrome or Edge or IE, on Windows and on iOS, and I can’t honestly remember any constant cookie issues. My browsers are essentially vanilla - the only extension I use is a password manager. There has recently been a general issue with NS&I on iOS Chrome - I don’t know whether they have fixed this now.

Deposits by Faster Payment, including “Pay By Bank” into the Direct Saver work like a dream. It’s easy to make an internal transfer from there to other NS&I accounts. I find them easier, faster and perhaps safer than Raisin, for instance.

Nova1307

I have funds sitting in the NS&I Direct Saver account and intend to open up a one year growth bond asap. Can anyone confirm whether or not the bond will be opened immediately (even if evening or weekend) or will I have to wait until the next working day?

Thanks

ColdIron

Should be instant. Both mine were visible in my dashboard as soon as I looked at it each time. I don't know about weekends as I've never tried it but as it seems to be fully automatic I'd imagine it would be the same

caeler

caeler said:

I’ve got a fixed rate bond ending with Atom on 14 September. This would be perfect for me to move the money into. I’d fixed a year ago at 3.2%! Do we think this product will still be on offer on 14 September?!

Happy days, the bond is still available so took the plunge today! Very easy and straightforward.