The New Top Easy Access Savings Discussion Area

janusd

happybagger said:

Re: KRBS closing account (old 10 digit login), do you need to send a secure message to do this? A withdrawal request for the full balance brings the warning 'below the minimum balance of £1, amend the details'. Can't see a 'close account' option anywhere?

in theory yes... but dear God it's a painful and tedious process! 
I withdrew my balance, bar that £1, last week back to my nominated account and then sent a secure message requesting that that £1 either be paid to my nominated account or transferred to the new KRBS account (with username)... they replied to that *secure message* that I needed to send them a secure message requesting closure - but I had clearly stated that.
so I replied to that requesting again and just now I received the following secure message... it's like trying to get blood from a stone - i'll try a third time, but if that fails, i'll wait for it to be migrated across to the new system!

I will add that it takes them 3 or 4 working days to reply to each message - so if you need it doing quickly, phone them!

Thank you for contacting us regarding your Kent Reliance account.

If you would like to transfer funds into the Bonds and the new Easy access

account Issue - 1 available on our website, the first step would be to
close your current account. The funds can then be transferred to your
nominated bank account.

Once your account is closed, you can proceed with funding the new account.

Please confirm if you would like to close the account and transfer the funds to the existing nominated account.

janusd

@soulsaver
Oxbury Bank Easy Access Bonus Base Rate Tracker 1 - now 4.61% AER (includes 0.83% variable bonus until 18/10/25) £1k min.

janusd

@soulsaver
Cynergy Bank Online Easy Access Account (Issue 89) - 4.41% AER (includes 2.15% fixed bonus for 12 months) £1 min.

mebu60

janusdesign said:

@soulsaver
Cynergy Bank Online Easy Access Account (Issue 89) - 4.41% AER (includes 2.15% fixed bonus for 12 months) £1 min.

The pittance in my Issue 88, transferred in from Issue 85 a week ago, hadn't had sufficient time to generate any interest payable! Would have been a small fraction of a penny. 

StayinAlive

Cahoot

Does anyone have problems receiving OTP's from Cahoot.

I have a fairly good 4G signal but on more than half the occasions that I've requested one, nothing arrived.

Don't seem to have the same problem with other banks.

Bridlington1

StayinAlive said:

Cahoot

Does anyone have problems receiving OTP's from Cahoot.

I have a fairly good 4G signal but on more than half the occasions that I've requested one, nothing arrived.

Don't seem to have the same problem with other banks.

I've had it a few times with OTPs (especially with the NatWest group but occasionally with others) where the first OTP doesn't arrive but if I request a new one the second one does arrive.

friolento

StayinAlive said:

Cahoot

Does anyone have problems receiving OTP's from Cahoot.

I have a fairly good 4G signal but on more than half the occasions that I've requested one, nothing arrived.

Don't seem to have the same problem with other banks.

I had this recently when I tried to make a first payment from a new account. The OTP never arrived. So I resorted to making an internal transfer to an account with an existing payee, and making my payment from there. I have since not tried a payment from the new account again, so don’t know whether it would work now. 

4justice2

Just had the email, Ford Flexible Saver down to 4.27% AER / 4.10% monthly from 11th August.

mebu60

4justice2 said:

Just had the email, Ford Flexible Saver down to 4.27% AER / 4.10% monthly from 11th August.

Thanks, I only had email about ISA reducing from 4.35% to 4.18% from the same date. Await the other one. Or not. Only have £1 in Saver, more providers are no longer notifying under a specified amount (c£100). Bit rude considering it only requires an email. Be more understandable if a letter and stamp were used. 

1spiral

mebu60 said:

4justice2 said:

Just had the email, Ford Flexible Saver down to 4.27% AER / 4.10% monthly from 11th August.

Thanks, I only had email about ISA reducing from 4.35% to 4.15% from the same date. Await the other one. Or not. Only have £1 in Saver, more providers are no longer notifying under a specified amount (c£100). Bit rude considering it only requires an email. Be more understandable if a letter and stamp were used. 

The most annoying thing with this is if you were to raise your balance between the email going out and the rate dropping, you still get no notification. At least that's how it worked with Cynergy when I tried it.