The New Top Easy Access Savings Discussion Area

topyam

janusd said:

BestSeagull said:

Ulster bank. I thought that the LE saver which I applied for last night (thanks for the update @jaypers ) was in my app this morning already but it turns out it's the current account which I had applied for earlier in the day. It just popped up with no email notification at all. 

same here - but with the added bonus for us that Ulster have performed a hard search on our credit reports... there is a notification in the app that the debit card will be here within 10 working days.

I am assuming they don't do a hard credit search gor the Ltd Edition Saver?

janusd

BreakingGlass said:

Ulster Bank Limited Edition Saver

I got an email to say my account was open and 'ready to use' despite not showing in the app.  I just tried to pay in a test £1 from Nationwide; it passed the Nationwide check, but the transfer then got rejected/refunded because they did not 'recognise the sort code and/or account number'.  I'll try again once it shows in the app.

I just got the same - my sending bank is showing "Rejected - Beneficiary Account Details Unknown" as the cause... payment to the current account when through fine though.

janusd

topyam said:

janusd said:

BestSeagull said:

Ulster bank. I thought that the LE saver which I applied for last night (thanks for the update @jaypers ) was in my app this morning already but it turns out it's the current account which I had applied for earlier in the day. It just popped up with no email notification at all. 

same here - but with the added bonus for us that Ulster have performed a hard search on our credit reports... there is a notification in the app that the debit card will be here within 10 working days.

I am assuming they don't do a hard credit search for the Ltd Edition Saver?

possibly a soft search if you are a new customer to confirm your identification details, but there shouldn't be a hard search for just opening a savings account.

happybagger

Re: Ulster bank LE Saver

Reading the 'access to money' section, have I read this right, unless you have an UB current account, this is an app-only account?

friolento

topyam said:

janusd said:

BestSeagull said:

Ulster bank. I thought that the LE saver which I applied for last night (thanks for the update @jaypers ) was in my app this morning already but it turns out it's the current account which I had applied for earlier in the day. It just popped up with no email notification at all. 

same here - but with the added bonus for us that Ulster have performed a hard search on our credit reports... there is a notification in the app that the debit card will be here within 10 working days.

I am assuming they don't do a hard credit search gor the Ltd Edition Saver?

Hard searches are only carried out for credit applications (and not necessarily for all of them), i.e. not for savings accounts.

janusd

happybagger said:

Re: Ulster bank LE Saver

Reading the 'access to money' section, have I read this right, unless you have an UB current account, this is an app-only account?

you should be able to access via Anytime Banking - e.g logging in online.... when I started the dummy test  application last night, it does take you through the steps of registering for online access... possibly if you aren't going to use the app, then you *might* need to use their card reader.

Personally, I enabled biometric settings in the app, so I need to show my face to login to AB, but I don't think you necessarily need the app to use the account.

happybagger

Thanks @janusd , I misread the Anytime Banking requirement as a requiring an "Ulster Bank current account", rather than an "Ulster Bank account"

Faffing with a card reader isn't for me, and with no UK branch support and the nonsense I had with NatWest over their fixed rate ISA lack of knowledge in the past, I'll pass on this one

happybagger

Thanks @janusd , I misread the Anytime Banking requirement as a requiring an "Ulster Bank current account", rather than an "Ulster Bank account"

Faffing with a card reader isn't for me, and with no UK branch support and the nonsense I had with NatWest over their fixed rate ISA lack of knowledge in the past, I'll pass on this one

SeriousHoax

Ulster Limited Edition Saver is now showing on the MSE website.

https://www.moneysavingexpert.com/savings/savings-accounts-best-interest/#easyaccess

moi

janusd said:

happybagger said:

Re: Ulster bank LE Saver

Reading the 'access to money' section, have I read this right, unless you have an UB current account, this is an app-only account?

you should be able to access via Anytime Banking - e.g logging in online.... when I started the dummy test  application last night, it does take you through the steps of registering for online access... possibly if you aren't going to use the app, then you *might* need to use their card reader.

Personally, I enabled biometric settings in the app, so I need to show my face to login to AB, but I don't think you necessarily need the app to use the account.

Re Ulster Limited Edition access, it appears to me no app, nor card reader is necessary. I wasn't a customer until last night (i.e. no current account). Applying on the website, I got my login customer number, did their face/ID check, and chose my passwords/numbers. I can log into the website, without a card reader, the only thing is it says "we're unable to display your account.... If you've just successfully opened an account, it can take up to two business days before it's available in Anytime Banking." I have had an email to say the account is "set up & ready to use," though.