General Discussion and Whimsical Banter

jameseonline

Ha posted to me, so they doing that we'll send it to you via email (& maybe post as well) thing then.

Got my account details via same email too.

Just entered my ID into app, setup a pin.

Can view my account in app.

Here's hoping the Bath BS relationship will improve because their website registration was awful, the app registration was better but didn't recognise my Virgin Money account.

Bridlington1

eskbanker said:

Bridlington1 said:
I doubt this means Bath are in trouble. They have previously offered their 16-25% RS to all....

How long ago was that?!

I believe it was last in 2021, I'm sure I can remember @ForumUser7 mentioning that he/she had got hold of the account before Bath restricted the account.

The LISA was available to all 18-40 year olds much more recently though (last year IIRC).

eskbanker

Bridlington1 said:

eskbanker said:

Bridlington1 said:
I doubt this means Bath are in trouble. They have previously offered their 16-25% RS to all....

How long ago was that?!

I believe it was last in 2021, I'm sure I can remember @ForumUser7 mentioning that he/she had got hold of the account before Bath restricted the account.

Whoosh!

I was highlighting (with tongue in cheek) that it's been a long time since any double-digit percentage interest was paid by anyone....

ircE

Wombat Invest @ 4.91%. Officially, it's a base rate tracking account, its rate being "up to" 0.5pp below the base rate. So while it could have stayed at 4.75%, at some point they've hiked it up to 4.91% which happens to be in line with... Wealthify, a competitor in the investment space. Though note Wombat requires more stipulations for their account.

ircE

Just received the annual magazine from Newbury BS along with my annual statement of interest. It's the first I'd learned of their app and their member forum, so I thought I'd share in case others were interested and had also missed them. The app's called Newbury Building Society, quite easy to find, and available on both Google and Apple stores. The Member Forum can be signed up to here.

Similarly, I'd only learned about Skipton BS' Customer Panel through their annual review, which can be found here.

Bridlington1

Good morning,

I've now launched the an Archived List of Switching Offers thread. The list contains a list of recent switching offers with their Ts&Cs archived to the wayback machine (where I can find them). 

I intend to add to this list as and when new switching offers emerge. The list currently goes back to 2018, I plan to extend this list to include all switching offers from the launch of the CASS in the coming months. The next few weeks are going to be busy for me in general so it will most likely be around June/July by the time I start to extend the list.

Bridlington1

BOE base rate held again at 5.25%. 7 voted to hold the base rate, 2 voted for a cut to 5%.

ircE

Via Which?, I found this league table of financial institutions based on how well they prioritise the climate from Bank.Green. It covers over 100 institutions and each gets a rating from "Great" to "Worst". The full table and methodology is freely available, unlike Ethical Consumer.

Little surprise for certain rankings. Charity Bank, Triodos, and Ecology BS are all Great, for instance, while Barclays, Chase and HSBC are among the Worst.

Though it was interesting to me to see certain banks - Investec, OakNorth - appear near the top, while others who have a better reputation for being sustainable were merely Okay - Starling, Kroo.

Bridlington1

This was mentioned in the regular savers thread but I thought it could be worth a mention here, Progressive BS have opened up their Branch Instant Access Saver Account to all UK residents aged 16+, this can be opened/managed in branch or by post. If I'm not mistaken all of their accounts were previously limited to existing members and new customers living in Northern Ireland so it could be a good time to get a foot in the door so to speak.

I've just phoned them and they're sending out an application pack to my address in England.

ircE

I've just noticed Leeds BS has paid me interest on my Access Saver, dated for 31st May. Not sure why they felt the need to pay early given the 31st is a normal working day, but not a problem.