The New Top Easy Access Savings Discussion Area

soulsaver

 Kent RBS Iss83 4.41% £1k minFR   (Replaces Iss82 4.44% NLA) (04/07) 

DRS1

SnowMan said:

pecunianonolet said:

New Bonus Triple Access Saver by Principality @ 4.55% replacing issue 6 @ 4.25%

@soulsaver

Now on the Principality website

https://www.principality.co.uk/home/savings/savings-accounts/online-bonus-triple-access

(Edit: Straightforward opening process for existing customers, just click on 'apply online' and it takes you to the log in screen once you choose existing customer - not yet funded as account not recognised under identity checks yet) 

Looks like you have to fund it from an outside account - ie can't transfer from another Principality account.  Or maybe that needs a secure message.

schiff

Looks like you have to fund it from an outside account - ie can't transfer from another Principality account.  Or maybe that needs a secure message.

You can actually as it is what I have done. I keep a Princ EA a/c with no limit on withdrawals as a conduit for moving between accounts so as not to waste a withdrawal. Also useful for getting the RS (I have ten on the go) deposits done when the FDOTM falls on a weekend or BH.

DRS1

schiff said:

Looks like you have to fund it from an outside account - ie can't transfer from another Principality account.  Or maybe that needs a secure message.

You can actually as it is what I have done. I keep a Princ EA a/c with no limit on withdrawals as a conduit for moving between accounts so as not to waste a withdrawal. Also useful for getting the RS (I have ten on the go) deposits done when the FDOTM falls on a weekend or BH.

Ah Yes found it now.  Wasn't on the initial funding page but there under Account Services.

10_66

schiff said:

You can actually as it is what I have done. I keep a Princ EA a/c with no limit on withdrawals as a conduit for moving between accounts so as not to waste a withdrawal. Also useful for getting the RS (I have ten on the go) deposits done when the FDOTM falls on a weekend or BH.

Can you clarify for me, please, are you saying that a transfer from a Principality limited withdrawal account to one of their unlimited w/d accounts isn't classed as a withdrawal, I've always assumed it was?

schiff

10_66 said:

schiff said:

You can actually as it is what I have done. I keep a Princ EA a/c with no limit on withdrawals as a conduit for moving between accounts so as not to waste a withdrawal. Also useful for getting the RS (I have ten on the go) deposits done when the FDOTM falls on a weekend or BH.

Can you clarify for me, please, are you saying that a transfer from a Principality limited withdrawal account to one of their unlimited w/d accounts isn't classed as a withdrawal, I've always assumed it was?

No, the account I use is just an easy access account with no limits to the number of withdrawals. Its interest rate is 2.20% currently which gives the clue if you compare it with the recent 4.55% version. Clearly it wouldn't work with an account with limited access.
It's available - title Online Easy Access
There's also a relevant post by me on the same topic in the RS discussion thread a few minutes ago. 

Sarahspangles

pecunianonolet said:

New Bonus Triple Access Saver by Principality @ 4.55% replacing issue 6 @ 4.25%

@soulsaver

I opened one this morning, and called just after they opened to ask them to do the transfer.

The cashier said ‘That’s only been available for five minutes!’ LOL

20122013

Easy(ish) Access, Top 10 (ish) of The Pots. 

Source :  https://forums.moneysavingexpert.com/discussion/comment/79538594/#Comment_79538594

1 Chase Boostd Rate Svr 5.00% inc.fixed 2.25% 1yr bonus for new customers only AO (09/06) 

2 Atom Bank Rewards Instant Saver - ->4.75% if no w/ds in mth, otherwise 2.50% (09/05) AO

3 Cahoot Simple Saver Iss10 £1min 4.55% (23/05)

4 Principality BS Online Bonus Triple Access (Issue 7) 4.55% (04/07)

5 Family Building Society Online Saver (11)  4.52% Min £100 (02/07)

6 Coventry BS 4 Access Saver (2) 4.50% (24/04)

7 Skipton Bonus Saver 4.50% £1 min; £50k max inc. 1.7% fixed 1st yr bonus (19/06)

Questions: 

May I double check the top 7 accounts (above), none of them have a funding window and withdraw can be made at anytime - I will pay a penalty and accept the lower interest rate if need be.

If I need the accounts in 2 months time, is it too earlier to open them now to secure the current rate and pay the minimum balance in ? will I need to worry about credit checks? 

winkowinko

Snoop 4.6% missing from the list above.

Yellowman

Snoop is very easy to open (mobile app only).

It pays interest daily.

Withdrawals requested before 11.00am appear same working day, otherwise next working day.