The New Top Easy Access Savings Discussion Area

CuparLad

HomeSaver Bonus (conditional): 1.20% gross (fixed), earned daily from the date of your first deposit and paid once after 365 days, payable only if you complete a qualifying mortgage through Tembo Money Limited. Accrual stops after day 365. The bonus is forfeited if you make more than three withdrawals in any rolling 365-day period or if your balance falls below £1,000 from month 12 until you claim.

mebu60

https://forums.moneysavingexpert.com/discussion/comment/81881317#Comment_81881317

Ditto, my test £1 also showing 4.2% instead of the published 4.05%.

N.B. this YBS Four Access eSaver becomes an easy access account after a year.

jaypers

Can anyone remember the deal with Cahoot? Son opened an account yesterday as a new customer and using Topcashback too. Application seemed fine but he’s not received an email or anything…….TCB tracking ok so that part worked.

moi

https://forums.moneysavingexpert.com/discussion/comment/81881931#Comment_81881931

On Tembo's HomeSaver information sheet from their site, below, I can't see the more than 3 withdrawals or the balance falling below £1,000 conditions. Am I being blind? (apologies if so!)

https://www.datocms-assets.com/15134/1770805396-homesaver-summary-box-v1-0d-2026-02-11.pdf

allegro120

https://forums.moneysavingexpert.com/discussion/comment/81882542#Comment_81882542

As much as I remember (I opened my first Cahoot 2 years ago) it took a couple of days for the account to be opened and the first e-mail I received was "Your cahoot account is now open". After that every new account opening was instant.

SaveTheEuro

An increase at the Progressive Building Society from 1.3% to 3%.

Increase in interest rate payable on Online Instant Access Saver Account 2 – current interest rate 1.30% Gross*/AER** (variable)

I am writing to advise that the Society has reviewed the interest rate payable on the Online Instant Access Saver Account 2. The interest rate will increase from 1.30% Gross*/AER** (variable) to 3.00% Gross*/AER** (variable) and the change will be effective from 16 February 2026.

x44

Another group with seemingly no idea what they are doing.,They've only just reduced it from 1.55% to 1.30% effective from the 1st Feb in an email on the 16 January

soulsaver

https://forums.moneysavingexpert.com/discussion/comment/81882703#Comment_81882703

Earn Market-Leading 5.75% AER With Tembo HomeSaver

Scroll down to near the bottom, to the last white bit before the last dark place, below where it says 'See All Guides'.

There's mistakes included (Max £20k should be 25k, FSCS £85k should be 120k)

Also they are an aggregator - DYOR

mebu60

https://forums.moneysavingexpert.com/discussion/comment/81881979#Comment_81881979

Today is showing the correct interest rate of 4.05%.

gpman

https://forums.moneysavingexpert.com/discussion/comment/81882542#Comment_81882542

I also opened my first cahoot account several years ago, so already had access when I took advantage of the TCB offering (last October) so it was really quick.

But I've looked back at the very first account I held with them. Looks the same process as today.

i.e. Account opened almost immediately (certainly within 2 hours on a normal banking day). Email received immediately on confirmation of opening. It says:

Online and Telephone Banking If you already have log on details , you can continue to use them. If not, we’ll send 2 letters within the next 7 days, which will be sent separately for security: 

	1.	Your temporary Password
	2.	Your temporary Security Number

 You’ll also need your Personal ID, which is  <redacted>

Letters did take about 1 week to arrive.

Iirc, you don't need the temporary password; you log in with the temporary security number and set a new one, and then away you go. (OTP via SMS)

Edit: you should have had an on-screen confirmation of account application, together with a reference number.

It also said the account is normally opened within minutes, but could take up to working 5 days.