The New Top Easy Access Savings Discussion Area

jungleboy123

ive used up the santander offer… im not really a fan of managing my account with santander though, so as soon taht was over i left. cahoot is basically santander. I wish they had an easier way to log-in like the online banks with either pin code or fingerprint.

AndyTh_2

https://forums.moneysavingexpert.com/discussion/comment/82079963#Comment_82079963

If you have the santander app you can login to the web version using it via face/touch id from app, or just use the app via face/touch id

andyhicks88

Is the 5% Revolut rate just for new customers? It only seems to be offering me 2.9% in my app.

Also what do people think about LemFi? They seem to have the highest rate available to me, with app management which I want, but I've never heard of them?

reeso

Is anyone else missing a Revolut interest payment from Saturday 25th?

ToastLady

https://forums.moneysavingexpert.com/discussion/comment/82082371#Comment_82082371

Afraid so with Revolut, I've got the 2.9% rate too, it's unfunded.

Can't help with Lemfi.

There's always Chase @ 4.5%, but only for new customers. Also Saga at 4.5%, but no app, withdrawals are instant though and you don't have to be over 50 to apply.

janusd

https://forums.moneysavingexpert.com/discussion/comment/82082411#Comment_82082411

yes I seem to be missing that interest payment too. 😯

this is what their AI told me….

Based on your account details, you are indeed missing an interest payment entry for Saturday, 25 July 2026. I can see that your daily interest of 3.35 GBP was successfully paid on Friday, 24 July, and then resumed with payments on Sunday, 26 July and today, Monday, 27 July.

Since your daily interest is well above the minimum payout threshold of 0.01 GBP, the reason for this missing entry is likely a temporary processing or settlement delay with our partner bank, ClearBank, which powers your Boosted account.

Although interest is calculated and paid daily, the partner bank requires transactions and balances to be fully settled at the end of each day. Occasionally, over weekends or busy periods, processing and settlement can take slightly longer than usual on their side, causing a brief delay in the posting of the interest.

Please rest assured that your funds are completely safe and still accrue interest daily. Any delayed interest payouts are usually caught up and credited to your account automatically once the partner bank finishes processing.

https://forums.moneysavingexpert.com/discussion/comment/82082371#Comment_82082371

if you're not using Revolut, you might be able to delete and reinstall the app and then be offered the 5% rate…

wrt to Lemfi - I got put off by the reviews and someone in this thread previously outlining the length of time it would take to withdraw a full balance… personally, I wouldn't touch them.

k12479

https://forums.moneysavingexpert.com/discussion/comment/82082411#Comment_82082411

Yes.

Revolut's AI claimed it was because I made a withdrawal the day before. When I pointed out I'd made withdrawals and received interest payments everyday it came back with some rubbish about the withdrawal the day before being late in the day and not enough time for the balance to 'settle'.

reeso

I haven’t withdrawn anything.
It took me a few attempts for the AI bot to realise I was indeed missing a payment and will “help further” later today.

“ So, the interest earned on 24 July is indeed missing from your transaction list.
While interest is usually paid the next day, it can occasionally be delayed due to bank processing times. In some cases, if a payout is missed, the partner bank will bundle it into a future payment once the net interest reaches a certain threshold or the processing catch up.
Since today's payout was successful, the best thing to do is wait until tomorrow afternoon (27 July). Often, a missed payout will arrive alongside the next scheduled one. If you don't see two separate interest payments by then, please let me know and I'll be happy to help you further! “

jungleboy123

https://forums.moneysavingexpert.com/discussion/comment/82082446#Comment_82082446

probalby one of a good reason lemfi doesnt come up on MSE. Was always wondering why.

friolento

https://forums.moneysavingexpert.com/discussion/comment/82082906#Comment_82082906

I would give Lemfi a wide berth myself - but I think the missing interest issue is about Revolut.