The New Top Easy Access Savings Discussion Area

10_66

UVRay said:

MichaelAP said:

moi said:

SeriousHoax said:

I've got chip easy access from a few weeks ago and it's still showing 4.75% When will it show the new 4.85% [?]

 It's the bonus they've increased, from 0.93% to 1.03% not the underlying variable tracker rate of 3.82% AER/3.75% Gross. I guess that means it's only for new customers/accounts. Not those of us who opened with 1 year 0.93% bonuses. 

Yes, bonus rate increase only for new customers. Mine is still at the 0.77% when opened on day one. It is quite disheartening when Chip do this only for new customers, especially when you cannot close the account and start afresh.

Same, but am I miss-remembering this or was there previously only one withdrawl per year allowed before the rate dropped? It's now 3 per year on this new rate and it's also saying 3 per year in the account details on the app for my old account.

The one I opened in Oct 24 had 3 withdrawals.

HHUK

Coventry BS Triple Access Saver (Online)

Apologies if  this has already been covered.

I received an email today advising that my Triple Access Saver (Online) has now morphed into a 5 Access Saver (Online), which means it's now possible to make up to five withdrawals a year without charge or loss of interest. At 4.75% it would seem to me to be a not unattractive option.

mebu60

HHUK said:

Coventry BS Triple Access Saver (Online)

Apologies if  this has already been covered.

I received an email today advising that my Triple Access Saver (Online) has now morphed into a 5 Access Saver (Online), which means it's now possible to make up to five withdrawals a year without charge or loss of interest. At 4.75% it would seem to me to be a not unattractive option.

Has it own thread:
Coventry BS 5 Access Saver - Page 2 — MoneySavingExpert Forum

Salient points are that the 'year' is now from 07:01:25 and the counter was reset to zero yesterday so you have 5 penalty-free withdrawals prior to 07:01:26 when it will reset again. The 4.75% product is NLA. No limited access accounts are currently listed as available on their website.

The assumption is that interest will continue to be paid on the anniversary date. 

easysaver

Gatehouse Easy Access
I know that if I make a deposit after 1pm it'll only show on my account just after 1pm on the next business day but if I make a deposit now (i.e. after the cut-off) will it be dated today and earn interest from today or will it be dated tomorrow?
Trying to figure out whether to send funds to Gatehouse or elsewhere overnight.
Thanks in advance

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.