The New Top Easy Access Savings Discussion Area

jimexbox

The Atom saver is good as somewhere to park up your emergency pot. Not sure why anyone would use it as a daily easy access.

ColdIron

Tesco to reduce their Internet Saver standard interest rate (so it affects all accounts) from 1.25% to 1.15% March 19th. My 4.81% still looks OK but sadly only for a few more months. That Coventry 4 Access at 4.85% could come in handy even after the inevitable BR cut

refluxer

AndyTh_2 said:

My closest is Atom 4.85% but each withdrawal reduces interest for the rest of the month, so isn't very good unless withdrawing all of it then putting the remainder back in the next month

I thought that withdrawing from that Reward Saver account lowers the rate for the whole of that account month, not just from the date of the withdrawal onwards ?

AndyTh_2

refluxer said:

AndyTh_2 said:

My closest is Atom 4.85% but each withdrawal reduces interest for the rest of the month, so isn't very good unless withdrawing all of it then putting the remainder back in the next month

I thought that withdrawing from that Reward Saver account lowers the rate for the whole of that account month, not just from the date of the withdrawal onwards ?

Yep, seems that way, so additionally only if withdrawing all on the 1st of the month and putting it back in 1st of the next month

AndyTh_2

jimexbox said:

The Atom saver is good as somewhere to park up your emergency pot. Not sure why anyone would use it as a daily easy access.

Neither is the 4 access saver, which we were talking about, about daily easy access.

That said you can line up multiple limited access savers (esp if allows one of each issue) to get 12 months of 1 month payments out to a lower rate savings account for monthly bills and regular saver transfers

Sherbertfizz

Has anyone else had issues with the Atom app? I haven't been able to open an account as it keeps crashing on my Samsung A53 mobile and Atom haven't been able to offer a solution.  I have multiple banking/savings apps that work fine - any insights appreciated.

flaneurs_lobster

Sherbertfizz said:

Has anyone else had issues with the Atom app? I haven't been able to open an account as it keeps crashing on my Samsung A53 mobile and Atom haven't been able to offer a solution.  I have multiple banking/savings apps that work fine - any insights appreciated.

On my A54 95% of my banking apps are within the Secure Folder (including in my case Atom). A few refuse to run there and are on the normal home page. 

Whichever the case is with you, try installing Atom in t'other.

friolento

Apologies if this has already been mentioned, it's a new one on me and I don't recall seeing it here. Sidekick easy access, funds held at Oaknorth, so full FSCS cover, 4.75% AER incl. 0.45% Sidekick bonus for 12 months on balances up to £35,000, unlimited next working day withdrawals.

Deposits can apparently also be made by DD, which could help those looking for extra DDs.

s71hj

friolento said:

Apologies if this has already been mentioned, it's a new one on me and I don't recall seeing it here. Sidekick easy access, funds held at Oaknorth, so full FSCS cover, 4.75% AER incl. 0.45% Sidekick bonus for 12 months on balances up to £35,000, unlimited next working day withdrawals.

Deposits can apparently also be made by DD, which could help those looking for extra DDs.

I've taken a quick look at this and can't see anything reassuring me it can take dd payments and don't want to go to the trouble of opening without being sure.

Sherbertfizz

flaneurs_lobster said:

Sherbertfizz said:

Has anyone else had issues with the Atom app? I haven't been able to open an account as it keeps crashing on my Samsung A53 mobile and Atom haven't been able to offer a solution.  I have multiple banking/savings apps that work fine - any insights appreciated.

On my A54 95% of my banking apps are within the Secure Folder (including in my case Atom). A few refuse to run there and are on the normal home page. 

Whichever the case is with you, try installing Atom in t'other.

Can't thank you enough!  That did the trick, and I'm moving my other financial apps across too.  Bit of a dinosaur when it comes to tech and didn't even know this was possible.  Bless you.