The New Top Easy Access Savings Discussion Area

tr7phil

flaneurs_lobster said:

Malchester said:

I have 2 Coventry Building Society Accounts which have a negative balance, both under £2. It was when I closed a couple of accounts with a closure penalty. Instead of deducting the penalty from the amount they sent me the full amount and left the accounts with negative balance. It was over 1 year ago and they haven't asked me to clear the negative balance

Having those accounts sitting in my spreadsheet would be just so annoying. It's the negativityness, I've loads of zero or £1 balances and that's just fine but (£1).... in a column of positive numbers....it's not natural.

Does this mean you only allow integer balances in all your accounts?  ;-)

crumpet_man

flaneurs_lobster said:

Malchester said:

I have 2 Coventry Building Society Accounts which have a negative balance, both under £2. It was when I closed a couple of accounts with a closure penalty. Instead of deducting the penalty from the amount they sent me the full amount and left the accounts with negative balance. It was over 1 year ago and they haven't asked me to clear the negative balance

Having those accounts sitting in my spreadsheet would be just so annoying. It's the negativityness, I've loads of zero or £1 balances and that's just fine but (£1).... in a column of positive numbers....it's not natural.

Don't get a job as an accountant.

SnowMan

West Brom Building Society 4 access saver (issue 2) paying 4.65% AER is no longer available

flaneurs_lobster

tr7phil said:

Does this mean you only allow integer balances in all your accounts?  ;-)

Actually it does, probably bad practice but it looks neater. Not sure I'd describe my spreadsheets as "accounts", more lists of balances. 

P60 numbers etc are recorded with pence. Never needed to report these numbers, doesn't SA ignore pennies?

Aidanmc

ircE said:

Hope everyone had a good bank holiday weekend.

True EA accounts are easy access savings accounts which can be opened, and the headline interest rate earned, with a minimum of up to £10. They allow for unlimited withdrawals. Accounts limited to smaller balances, fee-charging accounts, and accounts only available on savings platforms are excluded. Instant True EA accounts are those True EA accounts which advertise immediate transfer times 24/7. Highlighted entries show changes in the interest rate since last time: red for falls, green for rises, and blue for new entries to the respective table.

As previously discussed I've raised the threshold for minimum balances to £10 and this time that's led to Spring, a platform for Paragon Bank, springing onto the scorecard.

For new customers, Chip is now the best account across the board, and cahoot's latest Simple Saver takes the lead for everyone else.

Does the True EA accounts listed do weekend withdrawals?

I assume they do, just not instant.

janusd

JamesRobinson48 said:

intalex said:

JamesRobinson48 said:

Family BS - that issue 10 might not be on offer for very long.

Are they known for pulling products within a day of release?

@soulsaver

Family BS Online Saver issue 10 (4.55% variable) is now NLA.

for existing Family BS customers, worth noting that you currently may be able to open this Issue 10 as it's still appearing as one of the options when adding an Easy Access account... and the opening steps are still working (already have one so can't really test it all the way to completion).

soulsaver

Chip Tracker rate inc 1st year New Customer bonus down to 4.56%. 

seriously

ircE said:

Hope everyone had a good bank holiday weekend.

True EA accounts are easy access savings accounts which can be opened, and the headline interest rate earned, with a minimum of up to £10. They allow for unlimited withdrawals. Accounts limited to smaller balances, fee-charging accounts, and accounts only available on savings platforms are excluded. Instant True EA accounts are those True EA accounts which advertise immediate transfer times 24/7. Highlighted entries show changes in the interest rate since last time: red for falls, green for rises, and blue for new entries to the respective table.

As previously discussed I've raised the threshold for minimum balances to £10 and this time that's led to Spring, a platform for Paragon Bank, springing onto the scorecard.

For new customers, Chip is now the best account across the board, and cahoot's latest Simple Saver takes the lead for everyone else.

What do people think of Sidekick? I opened an account with them in March when it was 4.76% but it was only up to £35k. I didn't realise this but they've now changed the limit up to £85k recently, which beats all my other savers.

They're currently 4.51 for new customers. The withdrawals and deposits are not instant but so far it's been alright. Just wanted to know of people's view before I put more money in. Thanks!

KevinG

seriously said:

ircE said:

Hope everyone had a good bank holiday weekend.

True EA accounts are easy access savings accounts which can be opened, and the headline interest rate earned, with a minimum of up to £10. They allow for unlimited withdrawals. Accounts limited to smaller balances, fee-charging accounts, and accounts only available on savings platforms are excluded. Instant True EA accounts are those True EA accounts which advertise immediate transfer times 24/7. Highlighted entries show changes in the interest rate since last time: red for falls, green for rises, and blue for new entries to the respective table.

As previously discussed I've raised the threshold for minimum balances to £10 and this time that's led to Spring, a platform for Paragon Bank, springing onto the scorecard.

For new customers, Chip is now the best account across the board, and cahoot's latest Simple Saver takes the lead for everyone else.

What do people think of Sidekick? I opened an account with them in March when it was 4.76% but it was only up to £35k. I didn't realise this but they've now changed the limit up to £85k recently, which beats all my other savers.

They're currently 4.51 for new customers. The withdrawals and deposits are not instant but so far it's been alright. Just wanted to know of people's view before I put more money in. Thanks!

Sidekick was a horrible experience that I'd rather forget. 

seriously

KevinG said:

Sidekick was a horrible experience that I'd rather forget. 

Do you mind sharing what happened?