The New Top Easy Access Savings Discussion Area

happybagger

You are allowed one sole account and one joint account, if that is of any help to you.

In my case, it isn't  but ta anyway

[Deleted User]

happybagger said:

So, Coventry BS, 
3 Access Saver becomes 5 Access Saver
3 Access Saver online becomes 5 Access Saver online, at 5 Access Saver rate +0.5%
While at the same time they introduce 5 Access Saver (2) at the same rate as the 5 Access Saver
and introduce 5 Access Saver Online (2) at 5 Access Saver (2) rate +0.41%, to be -0.09% lower than 5 Access Saver (Online)

And now there are 2 different versions of the 6 Access Saver (closed) 4.0%, Online (closed) 4.5%, which may have had the 4 Access Savers transferred into, along with Easy Access Saver (6) and Easy Access Saver (online) 6, all at different rates.

Apparently that is all part of the "simplifying savings programme"?!

Must have been trying to find jobs for some numpties from Cooperative Bank.

I for one am confused!

ccdorset

allegro120 said:

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.

Thank you, I went on to apply, but it looks like I am a little early as my current one matures on 30th Jan. I’ve set a reminder to set up a new one then!

ccdorset

happybagger said:

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.

I’m in the same situation, mine matures on 30th Jan, so I’m going to hold out until then and hope it’s still available!

allegro120

janusdesign said:

Stargunner said:

happybagger said:

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.

The terms state that you can have 2 x Sunny Day savers. 

You are allowed one sole account and one joint account, if that is of any help to you.

I wonder if that's enforced "per issue" as opposed to in total (or just not enforced at all)?? i'm one of those ones that have had all three issues as sole accounts - I had 1 & 2 open and funded at same time, and now have 2 & 3 funded (2 fully and 3 will be after Skipton matures at the weekend)... Cahoot have never queried me about this.

Cahoot Sunny Day
I have 4 (2x issue1 and 2x issue2), all paying 5%. Opened issue 2 at the beginning of September and had no problems so far.

flobbalobbalob

Chetwood easy access account.
I have text and email alerts turned on but did not get any confirmation that my deposit was received. As Oxbury send an email I was expecting the same but maybe this is not the norm?

SJMALBA

flobbalobbalob said:

Chetwood easy access account.
I have text and email alerts turned on but did not get any confirmation that my deposit was received. As Oxbury send an email I was expecting the same but maybe this is not the norm?

IME, Chetwood do not send an email/SMS - you'll have to log into your account to confirm (again, IME, deposits arrive within 2 hours).

oz0707

Bobblehat said:

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.

Yeh what is going on with Charter they have been consistently there or thereabouts with the top rates and now dropping

Bobblehat

oz0707 said:

Bobblehat said:

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.

Yeh what is going on with Charter they have been consistently there or thereabouts with the top rates and now dropping

They appear to want to join the "also-ran" club!

Cobbler_tone

Just wasted my time setting up a Cahoot account. I have 7 accounts now and don't think this was a worthwhile addition.

Firstly, it has no app and the platform looks like it was designed by a 6th former in their bedroom.
The interest rate is 3.93%.

I'll stick with my 4.5% from Chase until Thursday and then flip to Gatehouse at 4.65%. 
The Gatehouse transfers are a little clunky but been happening same day.