The New Top Easy Access Savings Discussion Area

Bridlington1

@soulsaver

Tipton & Coseley BS Triple Access Saver £5k min, £100k max 4.3%. App only.

Bridlington1

BestSeagull said:

UKX69 said:

EASY ACCESS / REGULAR SAVERS 

Just out of curiosity, are most of the posters on this thread just easy access enthusiasts? I ask because I recognise some names from the regular savers thread.

I think many of us follow both threads. We want the best easy access feeder accounts to keep the funds for the regular savers in.

Indeed. It's quite common for people to have EA accounts then drip-feed the money into regular savers so there's inevitably going to be a degree of cross over between those who post in either thread.

Personally I seldom keep anything in easy access accounts these days as everything's either in ISAs or regular savers but occasionally keep money in EA accounts for a day or two if I've a surplus of funds from maturing regular savers, or quite often I get paid on 28th of the month so have spare funds that get kept in EA accounts till 1st.

I am much more of a regular saver enthusiast than an EA enthusiast and don't follow the EA thread as closely as I do the regular savers thread (in part because I maintain the latter) but still keep an eye on things here.

allegro120

UKX69 said:

EASY ACCESS / REGULAR SAVERS 

Just out of curiosity, are most of the posters on this thread just easy access enthusiasts? I ask because I recognise some names from the regular savers thread.

I think most dedicated savers on here use easy access for feeding regular savers.  For me personally they both are equally important.  I store my float and some emergency funds in EAs and use RSs for maximising my returns.

Sherbertfizz

That's my Family Building Society online saver iss 9 a/c closed.  Rubbish customer service, made a 25k withdrawal yesterday several hours before the cut-off point for same day transfer to nominated account, money didn't arrive.  Phone call this morning, very dismissive call handler, elevated to a supervisor who investigated and found there had been a delay but the reason was unknown.  Won't repeat the whole convo here but suffice to say it was kafkaesque and FBS come across as Dickensian in their processes.  Advise withdrawing the day before you need the money if it's time sensitive, or maybe two days before because although they state money arrives before end of working day, and their phone lines close at 5pm, they are working to a 23.59 cut-off!

UKX69

Sherbertfizz said:

That's my Family Building Society online saver iss 9 a/c closed.  Rubbish customer service, made a 25k withdrawal yesterday several hours before the cut-off point for same day transfer to nominated account, money didn't arrive.  Phone call this morning, very dismissive call handler, elevated to a supervisor who investigated and found there had been a delay but the reason was unknown.  Won't repeat the whole convo here but suffice to say it was kafkaesque and FBS come across as Dickensian in their processes.  Advise withdrawing the day before you need the money if it's time sensitive, or maybe two days before because although they state money arrives before end of working day, and their phone lines close at 5pm, they are working to a 23.59 cut-off!

Sympathy with you. Had a few accounts with them in the past but one left with just £1 in it. Took three attempts to withdraw it with nothing happening, two secure messages and an email before the account was closed. Absolute shambles.

thevoid69

You don't need a card reader for Ulster do you?

mon3ysav3r

thevoid69 said:

You don't need a card reader for Ulster do you?

I think you may if not using an app. I do need one as I only use Web. The card reader is identical to RBS/NatWest and Nationwide.

pecunianonolet

UKX69 said:

Sherbertfizz said:

That's my Family Building Society online saver iss 9 a/c closed.  Rubbish customer service, made a 25k withdrawal yesterday several hours before the cut-off point for same day transfer to nominated account, money didn't arrive.  Phone call this morning, very dismissive call handler, elevated to a supervisor who investigated and found there had been a delay but the reason was unknown.  Won't repeat the whole convo here but suffice to say it was kafkaesque and FBS come across as Dickensian in their processes.  Advise withdrawing the day before you need the money if it's time sensitive, or maybe two days before because although they state money arrives before end of working day, and their phone lines close at 5pm, they are working to a 23.59 cut-off!

Sympathy with you. Had a few accounts with them in the past but one left with just £1 in it. Took three attempts to withdraw it with nothing happening, two secure messages and an email before the account was closed. Absolute shambles.

Always used the 3pm cut off on working days for same day withdrawal and that always worked.... even for debit card funding and same day withdrawal of same amount.

Bridlington1

Not a top one yet but one to keep an eye on:
Post Office Money Online Saver Issue 83 now pays 4.16% (includes a fixed bonus of 3.16% for 12 months).

SH88SH88

Bridlington1 said:

Not a top one yet but one to keep an eye on:
Post Office Money Online Saver Issue 83 now pays 4.16% (includes a fixed bonus of 3.16% for 12 months).

Is the Post Office Online website as clunky/unreliable as several online comments seem to suggest ?