The New Top Easy Access Savings Discussion Area

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81982928#Comment_81982928

Anyone know if "instant access" is instant access (to an external current account)?

the_seer

https://forums.moneysavingexpert.com/discussion/comment/81982693#Comment_81982693

They're obviously a very professional outfit 😯

friolento

https://forums.moneysavingexpert.com/discussion/comment/81983188#Comment_81983188

some people will believe it 😭

Bridlington1

https://forums.moneysavingexpert.com/discussion/comment/81983284#Comment_81983284

Well the rate is variable I suppose so theoretically you could.

Zippy29

I don't think I would trust anyone who's arithmetic is as bad as that with my hard earned money.

intalex

https://forums.moneysavingexpert.com/discussion/comment/81966412#Comment_81966412

To answer my own question, mine came through a few minutes past noon today for a request submited very early morning yesterday.

Left £100 in there so didn't test it for the 2nd question.

allegro120

https://forums.moneysavingexpert.com/discussion/comment/81983284#Comment_81983284

I'm sure many will believe it and in 6 months time LemFi will be flooded with complaints😀

Hattie627

Skipton Building Society Member Bonus Saver (Issue 2) (NLA)

I opened this account in June 2025 but haven't used it. The rate (with bonus) is currently 4.40% (but only up to £5K). The bonus falls away on the anniversary of opening (12th June).

My Cahoot Simple Saver (Issue 10) drops from 4.40% to 4.15% on 11th May. I've had a good run with this account for almost a year. Withdrawals to nominated current account are genuinely instant.

I'm thinking of using the Skipton account (while the bonus lasts) to hold £5K of instant access funds from 11 May to 12 June.

Can anyone advise how quickly withdrawals land in the nominated current account after online instruction?

Thanks.

GalacticaActual

https://forums.moneysavingexpert.com/discussion/comment/81984096#Comment_81984096

I’ve always received funds/withdrawals on the same working day but I must have been requesting it before 8pm, as per their current payment timescales. The funds might not arrive in my nominated account immediately but generally within an hour or so. If I’ve requested a withdrawal over the weekend, it was always in my nominated account on the Monday, unless it’s a bank holiday.

https://www.skipton.co.uk/help-and-support/savings-help/faster-payments

janusd

https://forums.moneysavingexpert.com/discussion/comment/81984096#Comment_81984096

from other Skipton accounts i've withdrawn from previously, it's usually less than a hour (if requested before cut-off 8pm weekday - otherwise next working day).

two thoughts…

1. my Issue 10 matures a few days after the drop, so I'll be upgrading it to an Issue 16 (4.17% variable) for another year - if still available.
2. is using a Sunny Day Saver not an option for you in this scenario ?