The New Top Easy Access Savings Discussion Area

CuparLad

It should credit today, but you probably won't get the "We got your deposit" text until the morning. I sent a payment late on the 6th and it's showing as credited on the 6th, but got the text at 08:02 on the 7th.

easysaver

CuparLad said:

It should credit today, but you probably won't get the "We got your deposit" text until the morning. I sent a payment late on the 6th and it's showing as credited on the 6th, but got the text at 08:02 on the 7th.

Thanks! I'll report back tomorrow to confirm the deposit date. It's good to know I won't get a deposit text until tomorrow, saves a bit of fretting.

easysaver

easysaver said:

CuparLad said:

It should credit today, but you probably won't get the "We got your deposit" text until the morning. I sent a payment late on the 6th and it's showing as credited on the 6th, but got the text at 08:02 on the 7th.

Thanks! I'll report back tomorrow to confirm the deposit date. It's good to know I won't get a deposit text until tomorrow, saves a bit of fretting.

Confirmation of deposit received shortly after 8am and dated yesterday, 8th January. All good and as expected.

moi

friolento said:

NuWealth account

Deposits looking disappointingly slow. Whilst Open Banking (via Truelayer) is available, the deposited money goes into Pending and is not added to the balance instantly. 

I haven’t tried Bank Transfer as that looks even slower 

👋🏻 Did your NuWealth pending "faster deposit" get added to the balance the next [working] day?

friolento

moi said:

friolento said:

NuWealth account

Deposits looking disappointingly slow. Whilst Open Banking (via Truelayer) is available, the deposited money goes into Pending and is not added to the balance instantly. 

I haven’t tried Bank Transfer as that looks even slower 

👋🏻 Did your NuWealth pending "faster deposit" get added to the balance the next [working] day?

It appeared in the transaction list (which isn’t easy to find) two working days after the instant (!) deposit but it was dated one working day after the deposit. Singularly unimpressive, so I am not very likely to use this account very much.

The app is quite odd, too. FaceID is an option, but you still need to log in with a PIN every time. Their 2FA involves an email. The transactions aren’t listed under the account. 

Bobblehat

Charter Savings Bank

Charter dropping some of their rates .... notification by email today ...... examples:-

Easy Access Saver Iss46 4.5% AER/4.41% Gross down to 4.25%/4.17% 23rd Jan
Easy Access Iss50 4.38% AER/Gross down to 4.13% 23rd Jan
60 Day Notice Iss33 5.06% AER/4.95% Gross down to 4.81%/4.71% 24th March

No doubt there will be other Charter accounts dropping.

ccdorset

My cahoot Sunny Day Saver is due to mature into the cahoot Savings Account and the rate is dropping to 1.19%. It looks like I can open a new Sunny Day Saver with them at 4.75% variable.

It seems a decent option, but I can't see it on the MSE Top Savings Accounts page. Thinking this could be because it is only up to £3000?

Ideally, I'm looking for something that allows unlimited same-day withdrawals and the limit of £3000 would be fine for me at the moment.

allegro120

ccdorset said:

My cahoot Sunny Day Saver is due to mature into the cahoot Savings Account and the rate is dropping to 1.19%. It looks like I can open a new Sunny Day Saver with them at 4.75% variable.

It seems a decent option, but I can't see it on the MSE Top Savings Accounts page. Thinking this could be because it is only up to £3000?

Ideally, I'm looking for something that allows unlimited same-day withdrawals and the limit of £3000 would be fine for me at the moment.

Could be missing because of the limit. 
Looks like a very good option for you.  Good rate and instant transactions to any bank account you want.

happybagger

I asked Cahoot by secure message to close my Sunny Day Saver, transferring to my cahoot savings account, so that I could open a new one at 4.75%. Existing one matures soon and I wanted to get in now in case it gets pulled.

Oddly, they told me I can't close it "through this channel" and have to phone them.

A strange reply I thought, given the maturity letter says they are a "digital bank".

I know some on here have said they've got two SDS accounts but I'll stick within the terms. I'll wait until it matures.

cricidmuslibale

Coventry Building Society have today released a Five Access Saver (Online)(2), paying a variable interest rate of 4.56% monthly, 4.66% annual (4.66% AER). Up to 5 penalty free withdrawals per annum permitted with further withdrawals subject to a 50 day loss of interest. Withdrawals to be made via a nominated account. This account must be applied for and managed online and/or via the app.
5 Access Saver Online 2

Also today Coventry BS have released a Five Access Saver (2), paying a notably lower variable interest rate of 4.17% monthly, 4.25% annual (4.25% AER). Again up to 5 penalty free withdrawals per annum are allowed with further withdrawals subject to a 50 day loss of interest. However there is no reference to a nominated account in this case, and this account can also be applied for in person, by post or by telephone. Both of these accounts can be opened with a minimum of £1 and have a maximum balance of £250,000.
5 Access Saver 2

ETA: Links to these two accounts on Coventry's website as they are now both fully available for applications.

@soulsaver I think the interest rate for the 5 Access Saver Online 2 may be high enough for this account to get into your top 10.