Santander Easy Access Saver - What to do with it?

Johnny-Cage

BooJewels said:

Johnny-Cage said:

soulsaver said:

Johnny-Cage said:

gravel_2 said:

Johnny-Cage said:

gravel_2 said:

Ulster is sure to follow...

Still 60 days notice given on a rates drop reading there website 

A fair point.

Just realised it’s only for current Ulster customers, so still need somewhere before May 19th 

It's for new and existing current account holders. So, you can open a current account and you become a new/existing c/a ac holder and qualify for the loyalty saver. 

Thanks 
All my savings are gonna be used for a Orangey more likely early next year looking at rates thinking of using the Plum 6m fixed rate at 5.25%

Take it with Plum I can add more funds got 17k in Santander and 4.8k in Club Lloyds RS that matures on 5th June 

I'm not familiar with Plum, but most fixed accounts have a limited funding window - usually 14 or 21 days from opening or first funding - so check the T&C to ensure it will let you do what you need.

It’s Atom not Plum, Looked at so many accounts got them missed up. But it’s a week window so would have to let the money sit in a Tadem account I have for a week ish (4.9% compared to 4.2% Santander will be) before opening the account then I can transfer the funds from the RS saver in with it.

Or could drop 20k in the Plum easy access ISA at 5.17%

any advice is much appreciated to any member on here 

soulsaver

Not advice, just info.:  Atom, you can open 2 if you like - 1 for each of your maturities. 

• You can hold as many Fixed Saver accounts as you like, as long as the total balance held in all your Atom savings accounts doesn't exceed the Maximum Balance Limit specified in the Fixed Saver T&Cs.

6 Month Fixed Saver (Interest Paid End Of Term) | Fixed Rate Savings | Atom bank

Bigwheels1111

Johnny-Cage said:

BooJewels said:

Johnny-Cage said:

soulsaver said:

Johnny-Cage said:

gravel_2 said:

Johnny-Cage said:

gravel_2 said:

Ulster is sure to follow...

Still 60 days notice given on a rates drop reading there website 

A fair point.

Just realised it’s only for current Ulster customers, so still need somewhere before May 19th 

It's for new and existing current account holders. So, you can open a current account and you become a new/existing c/a ac holder and qualify for the loyalty saver. 

Thanks 
All my savings are gonna be used for a Orangey more likely early next year looking at rates thinking of using the Plum 6m fixed rate at 5.25%

Take it with Plum I can add more funds got 17k in Santander and 4.8k in Club Lloyds RS that matures on 5th June 

I'm not familiar with Plum, but most fixed accounts have a limited funding window - usually 14 or 21 days from opening or first funding - so check the T&C to ensure it will let you do what you need.

It’s Atom not Plum, Looked at so many accounts got them missed up. But it’s a week window so would have to let the money sit in a Tadem account I have for a week ish (4.9% compared to 4.2% Santander will be) before opening the account then I can transfer the funds from the RS saver in with it.

Or could drop 20k in the Plum easy access ISA at 5.17%

any advice is much appreciated to any member on here 

Not used Plum, went with Chip 5.1% easy access isa.

Only because transfers in and out are instant.

Also it track the base rate.

Will be loading it up as my 13 regular savers mature.

Johnny-Cage

Bigwheels1111 said:

Johnny-Cage said:

BooJewels said:

Johnny-Cage said:

soulsaver said:

Johnny-Cage said:

gravel_2 said:

Johnny-Cage said:

gravel_2 said:

Ulster is sure to follow...

Still 60 days notice given on a rates drop reading there website 

A fair point.

Just realised it’s only for current Ulster customers, so still need somewhere before May 19th 

It's for new and existing current account holders. So, you can open a current account and you become a new/existing c/a ac holder and qualify for the loyalty saver. 

Thanks 
All my savings are gonna be used for a Orangey more likely early next year looking at rates thinking of using the Plum 6m fixed rate at 5.25%

Take it with Plum I can add more funds got 17k in Santander and 4.8k in Club Lloyds RS that matures on 5th June 

I'm not familiar with Plum, but most fixed accounts have a limited funding window - usually 14 or 21 days from opening or first funding - so check the T&C to ensure it will let you do what you need.

It’s Atom not Plum, Looked at so many accounts got them missed up. But it’s a week window so would have to let the money sit in a Tadem account I have for a week ish (4.9% compared to 4.2% Santander will be) before opening the account then I can transfer the funds from the RS saver in with it.

Or could drop 20k in the Plum easy access ISA at 5.17%

any advice is much appreciated to any member on here 

Not used Plum, went with Chip 5.1% easy access isa.

Only because transfers in and out are instant.

Also it track the base rate.

Will be loading it up as my 13 regular savers mature.

Cheers Chip seems popular so for the difference in rates might be better to go there 

badger09

Johnny-Cage said:

Bigwheels1111 said:

Johnny-Cage said:

BooJewels said:

Johnny-Cage said:

soulsaver said:

Johnny-Cage said:

gravel_2 said:

Johnny-Cage said:

gravel_2 said:

Ulster is sure to follow...

Still 60 days notice given on a rates drop reading there website 

A fair point.

Just realised it’s only for current Ulster customers, so still need somewhere before May 19th 

It's for new and existing current account holders. So, you can open a current account and you become a new/existing c/a ac holder and qualify for the loyalty saver. 

Thanks 
All my savings are gonna be used for a Orangey more likely early next year looking at rates thinking of using the Plum 6m fixed rate at 5.25%

Take it with Plum I can add more funds got 17k in Santander and 4.8k in Club Lloyds RS that matures on 5th June 

I'm not familiar with Plum, but most fixed accounts have a limited funding window - usually 14 or 21 days from opening or first funding - so check the T&C to ensure it will let you do what you need.

It’s Atom not Plum, Looked at so many accounts got them missed up. But it’s a week window so would have to let the money sit in a Tadem account I have for a week ish (4.9% compared to 4.2% Santander will be) before opening the account then I can transfer the funds from the RS saver in with it.

Or could drop 20k in the Plum easy access ISA at 5.17%

any advice is much appreciated to any member on here 

Not used Plum, went with Chip 5.1% easy access isa.

Only because transfers in and out are instant.

Also it track the base rate.

Will be loading it up as my 13 regular savers mature.

Cheers Chip seems popular so for the difference in rates might be better to go there 

Sounds much healthier to use Plum for your Orangery savings, rather than Chip. 

Have you thought about paying the builder via Apple Pay?

I’ll get my coat😊

Johnny-Cage

badger09 said:

Johnny-Cage said:

Bigwheels1111 said:

Johnny-Cage said:

BooJewels said:

Johnny-Cage said:

soulsaver said:

Johnny-Cage said:

gravel_2 said:

Johnny-Cage said:

gravel_2 said:

Ulster is sure to follow...

Still 60 days notice given on a rates drop reading there website 

A fair point.

Just realised it’s only for current Ulster customers, so still need somewhere before May 19th 

It's for new and existing current account holders. So, you can open a current account and you become a new/existing c/a ac holder and qualify for the loyalty saver. 

Thanks 
All my savings are gonna be used for a Orangey more likely early next year looking at rates thinking of using the Plum 6m fixed rate at 5.25%

Take it with Plum I can add more funds got 17k in Santander and 4.8k in Club Lloyds RS that matures on 5th June 

I'm not familiar with Plum, but most fixed accounts have a limited funding window - usually 14 or 21 days from opening or first funding - so check the T&C to ensure it will let you do what you need.

It’s Atom not Plum, Looked at so many accounts got them missed up. But it’s a week window so would have to let the money sit in a Tadem account I have for a week ish (4.9% compared to 4.2% Santander will be) before opening the account then I can transfer the funds from the RS saver in with it.

Or could drop 20k in the Plum easy access ISA at 5.17%

any advice is much appreciated to any member on here 

Not used Plum, went with Chip 5.1% easy access isa.

Only because transfers in and out are instant.

Also it track the base rate.

Will be loading it up as my 13 regular savers mature.

Cheers Chip seems popular so for the difference in rates might be better to go there 

Sounds much healthier to use Plum for your Orangery savings, rather than Chip. 

Have you thought about paying the builder via Apple Pay?

I’ll get my coat😊

I’ve decided to open a 90 day Oxbury account at 5.26% and have now closed my Santander, funds moved across was told 2 working days interest will be added to my nominated account

Sea_Shell

badger09 said:

Johnny-Cage said:

Bigwheels1111 said:

Johnny-Cage said:

BooJewels said:

Johnny-Cage said:

soulsaver said:

Johnny-Cage said:

gravel_2 said:

Johnny-Cage said:

gravel_2 said:

Ulster is sure to follow...

Still 60 days notice given on a rates drop reading there website 

A fair point.

Just realised it’s only for current Ulster customers, so still need somewhere before May 19th 

It's for new and existing current account holders. So, you can open a current account and you become a new/existing c/a ac holder and qualify for the loyalty saver. 

Thanks 
All my savings are gonna be used for a Orangey more likely early next year looking at rates thinking of using the Plum 6m fixed rate at 5.25%

Take it with Plum I can add more funds got 17k in Santander and 4.8k in Club Lloyds RS that matures on 5th June 

I'm not familiar with Plum, but most fixed accounts have a limited funding window - usually 14 or 21 days from opening or first funding - so check the T&C to ensure it will let you do what you need.

It’s Atom not Plum, Looked at so many accounts got them missed up. But it’s a week window so would have to let the money sit in a Tadem account I have for a week ish (4.9% compared to 4.2% Santander will be) before opening the account then I can transfer the funds from the RS saver in with it.

Or could drop 20k in the Plum easy access ISA at 5.17%

any advice is much appreciated to any member on here 

Not used Plum, went with Chip 5.1% easy access isa.

Only because transfers in and out are instant.

Also it track the base rate.

Will be loading it up as my 13 regular savers mature.

Cheers Chip seems popular so for the difference in rates might be better to go there 

Sounds much healthier to use Plum for your Orangery savings, rather than Chip. 

Have you thought about paying the builder via Apple Pay?

I’ll get my coat😊

Are you channelling the Harry Enfield and Ronnie Corbett "blackberry" sketch.

🤣🤣🤣

badger09

Sea_Shell said:

badger09 said:

Johnny-Cage said:

Bigwheels1111 said:

Johnny-Cage said:

BooJewels said:

Johnny-Cage said:

soulsaver said:

Johnny-Cage said:

gravel_2 said:

Johnny-Cage said:

gravel_2 said:

Ulster is sure to follow...

Still 60 days notice given on a rates drop reading there website 

A fair point.

Just realised it’s only for current Ulster customers, so still need somewhere before May 19th 

It's for new and existing current account holders. So, you can open a current account and you become a new/existing c/a ac holder and qualify for the loyalty saver. 

Thanks 
All my savings are gonna be used for a Orangey more likely early next year looking at rates thinking of using the Plum 6m fixed rate at 5.25%

Take it with Plum I can add more funds got 17k in Santander and 4.8k in Club Lloyds RS that matures on 5th June 

I'm not familiar with Plum, but most fixed accounts have a limited funding window - usually 14 or 21 days from opening or first funding - so check the T&C to ensure it will let you do what you need.

It’s Atom not Plum, Looked at so many accounts got them missed up. But it’s a week window so would have to let the money sit in a Tadem account I have for a week ish (4.9% compared to 4.2% Santander will be) before opening the account then I can transfer the funds from the RS saver in with it.

Or could drop 20k in the Plum easy access ISA at 5.17%

any advice is much appreciated to any member on here 

Not used Plum, went with Chip 5.1% easy access isa.

Only because transfers in and out are instant.

Also it track the base rate.

Will be loading it up as my 13 regular savers mature.

Cheers Chip seems popular so for the difference in rates might be better to go there 

Sounds much healthier to use Plum for your Orangery savings, rather than Chip. 

Have you thought about paying the builder via Apple Pay?

I’ll get my coat😊

Are you channelling the Harry Enfield and Ronnie Corbett "blackberry" sketch.

🤣🤣🤣

No. Just mildly amused by the names of most of the ‘challenger’ banks which give no clue about what they do. 

Now, you knew exactly what Midland Bank were all about😉 

torchie

soulsaver said:

torchie said:

My wife and I have about £115K across our two accounts.  I will probably run them both down to £1 and move the funds to our Ulster Bank accounts that earn 5.2%.  I will give it another couple of week in case any new accounts are launched that improve on Ulster Bank.

If you've not got Ulster Bank acs, I'd start the application sooner rather than later... not the easiest to open apparently.

Thanks, the accounts are all set up and running.  Pleased to say we experienced no problem in opening them - maybe we were lucky.  

jameseonline

Aww Santander paid me my £10.17 interest early that was nice of them