The New Top Easy Access Savings Discussion Area

allegro120

exel1966 said:

janusd said:

@soulsaver Chip Instant Access Account 4.80% - New customers earn a boosted 4.80% AER (variable tracker) for 3 months. Then 2.74% AER (variable tracker).

Anyone know what classes you as a new customer with Chip? Can you close an account, leave a gap and then reopen as a new customer?

As far as I remember you can't reopen Chip.  

friolento

allegro120 said:

exel1966 said:

janusd said:

@soulsaver Chip Instant Access Account 4.80% - New customers earn a boosted 4.80% AER (variable tracker) for 3 months. Then 2.74% AER (variable tracker).

Anyone know what classes you as a new customer with Chip? Can you close an account, leave a gap and then reopen as a new customer?

As far as I remember you can't reopen Chip.  

You can (I have done it) BUT they remember the offers you had on the closed account. Not sure whether they also remember if you use a different email address  - I used the same, and same name, address , linked account etc

dosh37

janusd said:

Family BS are reducing their Online Saver (Issue 9) (NLA) from 4.60% to 4.35% on 24th September.

There is a message on the site that "many" of their variable rates will be changing on the 24th September - but i've only received an email about Issue 9 so far... i've enquired about Issue 10 (currently 4.55%) and awaiting a reply, but would expect that to reduce too - sadly.

I have received no email warning re: Online Saver Iss 9 rate reduction.

When I looked at the link above I could find no mention of Iss 9.

FishInGlass

dosh37 said:

janusd said:

Family BS are reducing their Online Saver (Issue 9) (NLA) from 4.60% to 4.35% on 24th September.

There is a message on the site that "many" of their variable rates will be changing on the 24th September - but i've only received an email about Issue 9 so far... i've enquired about Issue 10 (currently 4.55%) and awaiting a reply, but would expect that to reduce too - sadly.

I have received no email warning re: Online Saver Iss 9 rate reduction.

When I looked at the link above I could find no mention of Iss 9.

From the email I received - I only have Issue 9

Account	Minimum Balance	Current Rate Gross (%)	Current Rate Gross AER^ (%)	New Rate Gross (%)	New Rate Gross AER^ (%)	New Rate Effective From	Interest Frequency
Online Saver (9)	£100	4.60	4.60	4.35	4.35	24 September 2025	Annual

janusd

exel1966 said:

janusd said:

@soulsaver Chip Instant Access Account 4.80% - New customers earn a boosted 4.80% AER (variable tracker) for 3 months. Then 2.74% AER (variable tracker).

Anyone know what classes you as a new customer with Chip? Can you close an account, leave a gap and then reopen as a new customer?

I had an account opened in Feb 2023, but had to close it (and deleted account) a few months later as my phone at that time couldn't support the app... installed, opened a new account same (same contact details, but different email address) today and I am getting the 4.8% rate on the account.

janusd

janusd said:

Family BS are reducing their Online Saver (Issue 9) (NLA) from 4.60% to 4.35% on 24th September.

There is a message on the site that "many" of their variable rates will be changing on the 24th September - but i've only received an email about Issue 9 so far... i've enquired about Issue 10 (currently 4.55%) and awaiting a reply, but would expect that to reduce too - sadly.

I return with good news - I received a reply to my secure message to Family BS at 7pm...

Thank you for your message

Interest on the online saver (10) account is not currently set to change.

You will still need to transfer £25,000 per day as per the terms and conditions. This is because it is classed as a withdrawal on the account  

so for those with Issue 10 @ 4.55%, the rate is not going to change imminently - for me, that means I can move the balance over from my Issue 9 before the date of rate change.

proudgecko

Cahoot - I’ve just had two email saying they have upgraded my account to a Sunny Day saver issue 5
but all my Cahoot accounts are already sunny day saver issue 5
I don’t want to call they as they might notice I have more than one and close some down
anyone else had the same email?

1spiral

proudgecko said:

Cahoot - I’ve just had two email saying they have upgraded my account to a Sunny Day saver issue 5
but all my Cahoot accounts are already sunny day saver issue 5
I don’t want to call they as they might notice I have more than one and close some down
anyone else had the same email?

Me too, was just coming to post the same question.

janusd

proudgecko said:

Cahoot - I’ve just had two email saying they have upgraded my account to a Sunny Day saver issue 5
but all my Cahoot accounts are already sunny day saver issue 5
I don’t want to call they as they might notice I have more than one and close some down
anyone else had the same email?

yeah - I just got 4 from the upgrades I did on the 5th August... concerned for a second when I saw the subject lines, but they're just delayed upgrade confirmation emails - nothing to worry about.

where_are_we

Me three! Don`t contact them.