The New Top Easy Access Savings Discussion Area

InvesterJones

https://forums.moneysavingexpert.com/discussion/comment/82069596#Comment_82069596

That's pretty standard for many account openings these days. As much as it's a pain, if it reduces the chance of someone trying to fraudulently open something in my name I'm glad for it.

janusd

https://forums.moneysavingexpert.com/discussion/comment/82069596#Comment_82069596

it wasn't Experian, it was using someone I had never heard of (Onfido) - in my case, a photo of my passport and a selfie video (which was just face forward, turn head left, turn head right).

I haven't checked, but possibly a lot of those reviews might be based on when they were a sister brand of Marcus rather than using Natwest.

happybagger

https://forums.moneysavingexpert.com/discussion/comment/82069604#Comment_82069604

I've only come across it once with Nottingham, who then did it with a call to a branch. A long way from being "standard. My phone doesn't have a camera. My choice of course, simply means I choose alternatives.

gpman

https://forums.moneysavingexpert.com/discussion/comment/82069788#Comment_82069788

I've come across it a few times now but I agree it is far from Standard.

Where it is required like with Nottingham, T212, etc (and assuming it is not 'app only') it can usually be achieved with a camera enabled laptop/pc.

The seemingly unique thing with Sage & AA (and possibly any other provider using the NatWest Boxed platform) is that although they advertise online application, you do also need a device typically associated with running an app (i.e. a smartphone or camera enabled tablet) in order to fulfil the ID verification step of the online application

But by the time you reach that roadblock in the online application process, you will have already disclosed to them all your personal info, bank account details, chosen password, etc., and there is no option made available to cancel that application.

gpman

@soulsaver

I should have mentioned yesterday 14/07 Secure Trust Bank Access Account (Issue 30) - 4.16%, min £1

(I believe it was actually available since 13/07)

It won't make the ToTPs list now following your recent cull, but

10 Secure Trust - Access Account 4.21%  £1min  (03/06) - (issue 29) is therefore NLA

ETA:

Also

8 Hampshire Trust O/L EA (Iss 35) 4.24% £1 min (06/06)

was replaced by Issue 36, 4.18% back on 26/06, and so presumably will now miss the cut, too

Thanks to @janusd who previously spotted this at the time

https://forums.moneysavingexpert.com/discussion/comment/82048834#Comment_82048834

What_time_is_it

Do you HAVE to be 50+ to open the Saga Savings account with the 4.5% interest rate?

BigBlueSky

https://forums.moneysavingexpert.com/discussion/comment/82069987#Comment_82069987

Not at all. I haven't reached that age yet and still applied and the account is now open.

gpman

https://forums.moneysavingexpert.com/discussion/comment/82069987#Comment_82069987

source: Saga Easy Access Savings Account

ETA: As previously mentioned you "will need a smartphone or camera enabled tablet to apply" which I suggest may not be so commonly held amongst the over 50s

soulsaver

https://forums.moneysavingexpert.com/discussion/comment/82068948#Comment_82068948

Info. always appreciated but this doesn't now make the recently revised 4.20% cut.

Zaul22

Onfido are also the one Cynergy now use.