The New Top Easy Access Savings Discussion Area

soulsaver

Bridlington1 said:

If I'm not mistaken this pulls Family BS Market Tracker Saver at 4.25% into the top 10.

Interesting one - note it's due a rate review as 4.25% set July 1st and is recalculated September, effective 1st October. 

" Rates effective from 1 July 2025	Gross/AER1
£1+	4.25%
The interest rate tracks the highest interest rates paid in the taxable immediate access market. It is calculated using data from Moneyfacts® and pays an average interest rate of the 20 highest gross annual variable interest rates, for an investment of £10,000 from a reference group. Further information can be found on 'How our Market Tracker Saver products work'."

poppystar

Anyone opened the Spring Easy Saver  https://www.spring-savings.co.uk/save/easy-saver  and found it good/bad? Looking to move funds from Paragon’s main platform. 

Any reason at 4.3% why this doesn’t have its own place in the top ten? @soulsaver

brucefan_2

poppystar said:

Anyone opened the Spring Easy Saver  https://www.spring-savings.co.uk/save/easy-saver  and found it good/bad? Looking to move funds from Paragon’s main platform. 

Any reason at 4.3% why this doesn’t have its own place in the top ten? @soulsaver

I opened the account without any issue last weekend and have transferred money in and out several times. Transfers have been almost instantaneous.

You can have a maximum of 4 pots underlying the main account. 

The visibility of the allocation of funds to the main account when you have pots in place is not immediately intuitive but once I realised what the app was doing it made sense.

No unncessary frills (apart from the opening screen) - nothing to complain about so far.

Malchester

Yes, I have thd account. Easy to open and use with instant deposits and withdrawals using open banking on the app. It is app only which is a concern for me but have a couple of other accounts which are online.

4justice2

poppystar said:

Anyone opened the Spring Easy Saver  https://www.spring-savings.co.uk/save/easy-saver  and found it good/bad? Looking to move funds from Paragon’s main platform. 

Any reason at 4.3% why this doesn’t have its own place in the top ten? @soulsaver

Yes, opened one in middle of June, has worked fine. Immediate withdrawal and deposits. 

BestSeagull

Just in case anyone else doesn't tend to read the individual subject threads (I don't usually) I saw on the Cynergy one that @SnowMan noticed that issue 90 has been returned to 4.45%     https://forums.moneysavingexpert.com/discussion/6535288/have-you-received-cynergys-notification-of-rate-reductions#latest

dosh37

BestSeagull said:

Just in case anyone else doesn't tend to read the individual subject threads (I don't usually) I saw on the Cynergy one that @SnowMan noticed that issue 90 has been returned to 4.45%     https://forums.moneysavingexpert.com/discussion/6535288/have-you-received-cynergys-notification-of-rate-reductions#latest

I just checked. My Iss 90 has also reverted back to 4.45%.

I already moved the cash elsewhere leaving just £1 to keep the account alive.

What to do now?

I suspect someone at Cynergy realised they made a mistake by not sending out email notifications first, so they have reversed the reduction.

I can't imagine it will remain at 4.45% for long so it may not be worth putting money back into the account.

flobbalobbalob

I keep getting this email
.................................................................................................................................

 Action required: Update your Tandem app

Important: Some older phones may not be able to install the latest version of Tandem due to hardware or operating system limitations. If you wait until the deadline, you may find you can’t update and won’t be able to access your account.

We recommend updating now to check compatibility and ensure uninterrupted access.

What happens if I don’t update?

After September 22nd, you won’t be able to log in or use the app until you’ve installed the latest version.

.....................................................................................................................................................................

It is up to date, so does that mean my phone will not be compatible and this is poor communication.?

jaypers

flobbalobbalob said:

I keep getting this email
.................................................................................................................................

 Action required: Update your Tandem app

Important: Some older phones may not be able to install the latest version of Tandem due to hardware or operating system limitations. If you wait until the deadline, you may find you can’t update and won’t be able to access your account.

We recommend updating now to check compatibility and ensure uninterrupted access.

What happens if I don’t update?

After September 22nd, you won’t be able to log in or use the app until you’ve installed the latest version.

.....................................................................................................................................................................

It is up to date, so does that mean my phone will not be compatible and this is poor communication.?

Email seems to have gone to everyone. I’ve got the latest iPhone and despite app already being up to date, also got same message. Just make sure you’ve got the latest app version installed. 

mebu60

dosh37 said:

BestSeagull said:

Just in case anyone else doesn't tend to read the individual subject threads (I don't usually) I saw on the Cynergy one that @SnowMan noticed that issue 90 has been returned to 4.45%     https://forums.moneysavingexpert.com/discussion/6535288/have-you-received-cynergys-notification-of-rate-reductions#latest

I just checked. My Iss 90 has also reverted back to 4.45%.

I already moved the cash elsewhere leaving just £1 to keep the account alive.

What to do now?

I suspect someone at Cynergy realised they made a mistake by not sending out email notifications first, so they have reversed the reduction.

I can't imagine it will remain at 4.45% for long so it may not be worth putting money back into the account.

I've done the same and assume the same, i.e. Cynergy will be notifying us of a reduction shortly. The funds are getting 4.41% elsewhere so I won't rush to return them.