The New Top Easy Access Savings Discussion Area

Born2Save_3

savethepandas said:

Born2Save_3 said:

 West Brom BS Triple Access Saver (Issue 1) 

After applying for this account how many days have you waited before hearing anything and/or the account being opened ?

I applied early yesterday and to be fair to WBBS they stated at the start of the process that it may take 3 to 5 working days due to the number of applications.

West Brom BS

Four Access in July 
Applied 14:59 20th July (Sunday), open 16:39 21st July

Triple Access in November
Applied 15:00 Tuesday, open 11:33 today

But you got one !

When an account is good, I go for it no matter what the time, if I can; that's why I applied at 3:30am, when I got the feeling it might not be there for long.  And it was opened yesterday after the NLA announcement came out, adding extra excitement.

Question now is how will the rate stand over the next few months ? Currently, I still have a Cahoot Simple Saver paying 4.55%A. With Ulster and West Brom as backups. But how is the rate shake down going to pan out.

flobbalobbalob

Born2Save_3 said:

savethepandas said:

Born2Save_3 said:

 West Brom BS Triple Access Saver (Issue 1) 

After applying for this account how many days have you waited before hearing anything and/or the account being opened ?

I applied early yesterday and to be fair to WBBS they stated at the start of the process that it may take 3 to 5 working days due to the number of applications.

West Brom BS

Four Access in July 
Applied 14:59 20th July (Sunday), open 16:39 21st July

Triple Access in November
Applied 15:00 Tuesday, open 11:33 today

But you got one !

When an account is good, I go for it no matter what the time, if I can; that's why I applied at 3:30am, when I got the feeling it might not be there for long.  And it was opened yesterday after the NLA announcement came out, adding extra excitement.

Question now is how will the rate stand over the next few months ? Currently, I still have a Cahoot Simple Saver paying 4.55%A. With Ulster and West Brom as backups. But how is the rate shake down going to pan out.

Cahoot's going down to 4.40% AER on 2nd December 

1spiral

How quick are withdrawals from Coventry B/S now that they are same day and Skipton B/S? 

I need to withdraw some funds tomorrow and need them for before 1230 and am unsure how quick either are. 

SonOfPearl

1spiral said:

How quick are withdrawals from Coventry B/S now that they are same day and Skipton B/S? 

I need to withdraw some funds tomorrow and need them for before 1230 and am unsure how quick either are. 

My withdrawals from Skipton to my current account normally arrive within an hour. If I request the withdrawal the day before (for the next day) it usually hits my current account at around 9.30 a.m.

pafpcg

1spiral said:

How quick are withdrawals from Coventry B/S now that they are same day and Skipton B/S? 

I need to withdraw some funds tomorrow and need them for before 1230 and am unsure how quick either are. 

I keep a log of despatch times and arrival times of inter-bank transactions ever since Faster Payments was introduced.  Sadly, Santander no longer give me an alert of the time when a credit is received, so since earlier this year, arrival times are now "arrived before".  

- Skipton should send funds and be credited in a clearing bank by 09:30 as @SonOfPearl states above - my last two transfers (last year) arrived at 09:27.

- Coventry is more variable:  arrival times for transfers requested in advance this year: Jan - 11:51; Mar - 14:20; Apr - 14:20; Apr - 14:17; May - 11:47

Kim_13

I doubt there will be any difference whether a transfer is requested now or at say 7am tomorrow. But of the two, Skipton are more likely to have them there by the time you need them, so I'd just set up a withdrawal dated tomorrow.

Born2Save_3

flobbalobbalob said:

Born2Save_3 said:

savethepandas said:

Born2Save_3 said:

 West Brom BS Triple Access Saver (Issue 1) 

After applying for this account how many days have you waited before hearing anything and/or the account being opened ?

I applied early yesterday and to be fair to WBBS they stated at the start of the process that it may take 3 to 5 working days due to the number of applications.

West Brom BS

Four Access in July 
Applied 14:59 20th July (Sunday), open 16:39 21st July

Triple Access in November
Applied 15:00 Tuesday, open 11:33 today

But you got one !

When an account is good, I go for it no matter what the time, if I can; that's why I applied at 3:30am, when I got the feeling it might not be there for long.  And it was opened yesterday after the NLA announcement came out, adding extra excitement.

Question now is how will the rate stand over the next few months ? Currently, I still have a Cahoot Simple Saver paying 4.55%A. With Ulster and West Brom as backups. But how is the rate shake down going to pan out.

Cahoot's going down to 4.40% AER on 2nd December 

Shoot; I didn't know that.  But thanks very much for highlighting.  Is this just the Simple Saver Issue 10 or Simple Savers paying more than the current Issue 13 at 4.4%A ?

Equally as concerning; is there any news on Sunny Day Savers Issue 5, currently at 5%A ?  Hope not...

flobbalobbalob

Born2Save_3 said:

flobbalobbalob said:

Born2Save_3 said:

savethepandas said:

Born2Save_3 said:

 West Brom BS Triple Access Saver (Issue 1) 

After applying for this account how many days have you waited before hearing anything and/or the account being opened ?

I applied early yesterday and to be fair to WBBS they stated at the start of the process that it may take 3 to 5 working days due to the number of applications.

West Brom BS

Four Access in July 
Applied 14:59 20th July (Sunday), open 16:39 21st July

Triple Access in November
Applied 15:00 Tuesday, open 11:33 today

But you got one !

When an account is good, I go for it no matter what the time, if I can; that's why I applied at 3:30am, when I got the feeling it might not be there for long.  And it was opened yesterday after the NLA announcement came out, adding extra excitement.

Question now is how will the rate stand over the next few months ? Currently, I still have a Cahoot Simple Saver paying 4.55%A. With Ulster and West Brom as backups. But how is the rate shake down going to pan out.

Cahoot's going down to 4.40% AER on 2nd December 

Shoot; I didn't know that.  But thanks very much for highlighting.  Is this just the Simple Saver Issue 10 or Simple Savers paying more than the current Issue 13 at 4.4%A ?

Equally as concerning; is there any news on Sunny Day Savers Issue 5, currently at 5%A ?  Hope not...

It's the simple saver issue 10. It's already at 4.40% AER for new applicants issue13. No idea what's happening for issues 11/12. They do give you loads of notice (email last 4th September) so no complaints from me.

slinger2

flobbalobbalob said:

Born2Save_3 said:

flobbalobbalob said:

Born2Save_3 said:

savethepandas said:

Born2Save_3 said:

 West Brom BS Triple Access Saver (Issue 1) 

After applying for this account how many days have you waited before hearing anything and/or the account being opened ?

I applied early yesterday and to be fair to WBBS they stated at the start of the process that it may take 3 to 5 working days due to the number of applications.

West Brom BS

Four Access in July 
Applied 14:59 20th July (Sunday), open 16:39 21st July

Triple Access in November
Applied 15:00 Tuesday, open 11:33 today

But you got one !

When an account is good, I go for it no matter what the time, if I can; that's why I applied at 3:30am, when I got the feeling it might not be there for long.  And it was opened yesterday after the NLA announcement came out, adding extra excitement.

Question now is how will the rate stand over the next few months ? Currently, I still have a Cahoot Simple Saver paying 4.55%A. With Ulster and West Brom as backups. But how is the rate shake down going to pan out.

Cahoot's going down to 4.40% AER on 2nd December 

Shoot; I didn't know that.  But thanks very much for highlighting.  Is this just the Simple Saver Issue 10 or Simple Savers paying more than the current Issue 13 at 4.4%A ?

Equally as concerning; is there any news on Sunny Day Savers Issue 5, currently at 5%A ?  Hope not...

It's the simple saver issue 10. It's already at 4.40% AER for new applicants issue13. No idea what's happening for issues 11/12. They do give you loads of notice (email last 4th September) so no complaints from me.

My simple saver issue 11 was opened in late August and has always paid 4.40%AER. Issue 12 only paid 4.20% I think.

janusd

slinger2 said:

flobbalobbalob said:

Born2Save_3 said:

flobbalobbalob said:

Born2Save_3 said:

savethepandas said:

Born2Save_3 said:

 West Brom BS Triple Access Saver (Issue 1) 

After applying for this account how many days have you waited before hearing anything and/or the account being opened ?

I applied early yesterday and to be fair to WBBS they stated at the start of the process that it may take 3 to 5 working days due to the number of applications.

West Brom BS

Four Access in July 
Applied 14:59 20th July (Sunday), open 16:39 21st July

Triple Access in November
Applied 15:00 Tuesday, open 11:33 today

But you got one !

When an account is good, I go for it no matter what the time, if I can; that's why I applied at 3:30am, when I got the feeling it might not be there for long.  And it was opened yesterday after the NLA announcement came out, adding extra excitement.

Question now is how will the rate stand over the next few months ? Currently, I still have a Cahoot Simple Saver paying 4.55%A. With Ulster and West Brom as backups. But how is the rate shake down going to pan out.

Cahoot's going down to 4.40% AER on 2nd December 

Shoot; I didn't know that.  But thanks very much for highlighting.  Is this just the Simple Saver Issue 10 or Simple Savers paying more than the current Issue 13 at 4.4%A ?

Equally as concerning; is there any news on Sunny Day Savers Issue 5, currently at 5%A ?  Hope not...

It's the simple saver issue 10. It's already at 4.40% AER for new applicants issue13. No idea what's happening for issues 11/12. They do give you loads of notice (email last 4th September) so no complaints from me.

My simple saver issue 11 was opened in late August and has always paid 4.40%AER. Issue 12 only paid 4.20% I think.

I updated my Issue 12 to another Sunny Day Saver, but there have been no notifications of changes to Simple Saver Issues 11-13 or to the SDS Issue 5 - even if there were (via email or online pdf), they'd be two months notice, so the current rates won't change this year now.