The New Top Easy Access Savings Discussion Area

janusd

Newcastle BS Base Rate Tracker - 4.15% £1 min - branch/online opening; tracks Base Rate + 0.40% until 28th May 2027; monthly or annual interest; unlimited penalty-free withdrawals.

also, whilst logged into DF Capital yesterday, I think I would have been able to open an Issue 7… went through initial steps as a test, but didn't complete the application (as already have Issue 2)… so possibly available for existing customers?

Zaul22

DF has been still on MF for a week after going NLA so I thought that must be cos it appears available for existing customers.

EthicsGradient

@soulsaver Cynergy Easy Access Issue 96 4.22% for 12 months (then 2.22%) if no further rate changes.

Easy Access Savings Account | Free Withdrawals | Cynergy Bank

no limits on withdrawals. Interest paid annually on the anniversary of the initial deposit.

New since Friday 10th 4pm.

EthicsGradient

I've just found out a limitation with LHV - strictly, the limitation is on their current account, but since you have to use their current account to transfer money in and out of the savings account, it's effectively the same.

You can only transfer up to 10k per day out - this is lower than with some accounts, but not unheard of - but more importantly, you can only transfer out 20k per month (calendar month, or previous 30 day period? I'm not sure), which has just stopped me funding an ISA in full, having already used some of the 20k for other purposes.

Which does put an annoying limit on it (and I can't see anything about either limit in the current account terms and conditions).

flaneurs_lobster

LHV Bank

You can only transfer up to 10k per day out - this is lower than with some accounts, but not unheard of - but more importantly, you can only transfer out 20k per month (calendar month, or previous 30 day period? I'm not sure), which has just stopped me funding an ISA in full, having already used some of the 20k for other purposes.

Which does put an annoying limit on it (and I can't see anything about either limit in the current account terms and conditions).

Not in the terms but on their website here

https://www.lhv.com/personal/payments

To protect your money and prevent financial crime, we set limits on the amount you can transfer and withdraw from your current account.

Payment transfer limits

Daily £10,000

Monthly £20,000

Larger withdrawal requests can be made by contacting help@lhv.com.

Diaz09

Have you checked whether Cahoot's system actually prevents you from applying online for a second SDS, or does it let you through to completion?

From what I've seen with similar restrictions at other providers, the T&Cs often say one thing but their systems don't always enforce it properly. If castle96's experience shows they're not actively closing multiple accounts even when they spot them, it might be more of a guideline than a hard rule they're bothering to police.

friolento

https://forums.moneysavingexpert.com/discussion/comment/81960819#Comment_81960819

The easiest, safest, and smartest way to answer your question is to try it out yourself, and keep the answer to yourself.

hoppy2

If you go to upgrades in your Cahoot account click on SDS and the account numbers will show which are available to upgrade so I don't think you're doing anything underhand or it would have been picked up a long time ago by them, I've now got 12.

intalex

Anyone know the reality of a withdrawal from a West Brom 3-access?

• In linked current account same day if requested online by a certain time?
• Any options to pre-request a withdrawal?

Thanks in advance

CuparLad

https://forums.moneysavingexpert.com/discussion/comment/81961009#Comment_81961009

Before 3PM for next working day.

https://www.westbrom.co.uk/help/savings/withdrawals