The New Top Easy Access Savings Discussion Area

friolento

10_66 said:

slinger2 said:

10_66 said:

slinger2 said:

My new Chip easy access account now says 4.84% AER. This includes a 0.77% boost which starts today and lasts for a year. A triple access account which tracks the BoE base rate.

Where can I find the link to open this, please?  I have their Instant Access with £1 in, but the only 4.84% account (0.77% boost) that there's a link to (for me) is for their 4.84% ISA.

I opened it through the app. See: https://www.getchip.uk/savings-accounts/easy-access-saver for some details. Not clear to me when the 12 months bonus/boost starts.

I could find it on the website, but there's no mention of the Easy Access Saver in the app for me.  I messaged them earlier, but the reply's not likely to be today.

Similar for me. I have an old Easy Access Saver which pays 4.58%. Balance just £1.  I can’t see any way to get the 4.84% one. Not sure I have the energy to ask them how I can get the 4.84% one


EDIT: I withdrew my £1 from the existing Easy Saver and as if by magic, the 4.84% can now be applied for. I decided against it though because of this 

slinger2

friolento said:

10_66 said:

slinger2 said:

10_66 said:

slinger2 said:

My new Chip easy access account now says 4.84% AER. This includes a 0.77% boost which starts today and lasts for a year. A triple access account which tracks the BoE base rate.

Where can I find the link to open this, please?  I have their Instant Access with £1 in, but the only 4.84% account (0.77% boost) that there's a link to (for me) is for their 4.84% ISA.

I opened it through the app. See: https://www.getchip.uk/savings-accounts/easy-access-saver for some details. Not clear to me when the 12 months bonus/boost starts.

I could find it on the website, but there's no mention of the Easy Access Saver in the app for me.  I messaged them earlier, but the reply's not likely to be today.

Similar for me. I have an old Easy Access Saver which pays 4.58%. Balance just £1.  I can’t see any way to get the 4.84% one. Not sure I have the energy to ask them how I can get the 4.84% one


EDIT: I withdrew my £1 from the existing Easy Saver and as if by magic, the 4.84% can now be applied for. I decided against it though because of this 

Indeed. Per the original post: "chip lowering rate on easy access to 4.01 on 12th september and new easy access account with 3 withdrawls at 4.84%"

MarkFromCornwall

JamesRobinson48 said:

Yorkshire BS Rainy Day Saver (4.80%):  the online application link now appears to be functional, after yesterday's glitches.

Does this account allow deposits by debit card?

Bazzalona13295

JamesRobinson48 said:

fourmarks said:

JamesRobinson48 said:

Yorkshire BS has today reopened its Online Rainy Day Saver account (4.80%) to online applications, following a recent interest rate decrease.

For the past few weeks the above account was available only in its non-online version, i.e. for branch/postal applications (posted by me here on 17 August).

Apologies if anyone beat me to it.

EDIT:  While the product is listed on YBS website as available, the application links don't appear to work!

Yep. You follow the links only to finally be told that the account they're advertising is not available. Grrrr.

Yorkshire BS Rainy Day Saver (4.80%):  the online application link now appears to be functional, after yesterday's glitches.

Yep, opened mine easily enough, I'll put the requisite pound in on Monday.

Bazzalona13295

MarkFromCornwall said:

JamesRobinson48 said:

Yorkshire BS Rainy Day Saver (4.80%):  the online application link now appears to be functional, after yesterday's glitches.

Does this account allow deposits by debit card?

It says it does if I recall right.

soulsaver

ColdIron said:

soulsaver said:

I may add this as an addendum to ToTP, as it's quite useful for best rate chasers...

What's the best rate EA(ish) account that you can still pay in to, even if it's NLA?

I would read it but a few thoughts

1. Most people with the accounts already know about them, I'm not sure how much use it would be
2. It could end up with a few dinosauric legacy account that just go on and on and on
3. Most importantly it would be extra work for you. If you're up for it, go for it

All entirely accurate.

It's only useful while rates are falling - there is no single source to remind us there's a competitive useable NLA account.

I have a LOT of accounts as I like to 'sweat' my cash assets -  so when rates are falling I'm checking which NLA accounts maybe better than some of the best available rates - so I'm doing it for me as much as others.

I'll see how it goes without formalising it. Maybe it just starts a trend of people reminding us which NLA accounts are useful in that you can still pay in at a competitive rate?

janusd

t1redmonkey said:

Bridlington1 said:

@soulsaver
Cahoot Sunny Day Saver Issue 2 5%, £3k mak

Pleasantly surprised that they chose to not reduce the existing issue and that it's still at 5.2%.

apologies if previously mentioned (searched but couldn't find anything), but I just noticed a document in my Cahoot account announcing that the Sunny Day Saver (Issue 1) currently paying 5.20% will reduce to 5% on 18th November 2024 (so matching the Issue 2).

Checking my spreadsheet, it seems my anniversary for this account is 20th November, so i've opened an Issue 2, thrown £1 in and as others confirmed, it seems to have been created without issue.

Middle_of_the_Road

soulsaver said:

ColdIron said:

soulsaver said:

I may add this as an addendum to ToTP, as it's quite useful for best rate chasers...

What's the best rate EA(ish) account that you can still pay in to, even if it's NLA?

I would read it but a few thoughts

1. Most people with the accounts already know about them, I'm not sure how much use it would be
2. It could end up with a few dinosauric legacy account that just go on and on and on
3. Most importantly it would be extra work for you. If you're up for it, go for it

All entirely accurate.

It's only useful while rates are falling - there is no single source to remind us there's a competitive useable NLA account.

I have a LOT of accounts as I like to 'sweat' my cash assets -  so when rates are falling I'm checking which NLA accounts maybe better than some of the best available rates - so I'm doing it for me as much as others.

I'll see how it goes without formalising it. Maybe it just starts a trend of people reminding us which NLA accounts are useful in that you can still pay in at a competitive rate?

@soulsaver

 YBS Loyalty 6 access eSaver 23

Is now at 5% from 5.1 although mine matures on 5th Oct.

t1redmonkey

janusdesign said:

t1redmonkey said:

Bridlington1 said:

@soulsaver
Cahoot Sunny Day Saver Issue 2 5%, £3k mak

Pleasantly surprised that they chose to not reduce the existing issue and that it's still at 5.2%.

apologies if previously mentioned (searched but couldn't find anything), but I just noticed a document in my Cahoot account announcing that the Sunny Day Saver (Issue 1) currently paying 5.20% will reduce to 5% on 18th November 2024 (so matching the Issue 2).

Checking my spreadsheet, it seems my anniversary for this account is 20th November, so i've opened an Issue 2, thrown £1 in and as others confirmed, it seems to have been created without issue.

Thanks, just checked and I've got the same message on mine.

wiseonesomeofthetime

janusdesign said:

t1redmonkey said:

Bridlington1 said:

@soulsaver
Cahoot Sunny Day Saver Issue 2 5%, £3k mak

Pleasantly surprised that they chose to not reduce the existing issue and that it's still at 5.2%.

apologies if previously mentioned (searched but couldn't find anything), but I just noticed a document in my Cahoot account announcing that the Sunny Day Saver (Issue 1) currently paying 5.20% will reduce to 5% on 18th November 2024 (so matching the Issue 2).

Checking my spreadsheet, it seems my anniversary for this account is 20th November, so i've opened an Issue 2, thrown £1 in and as others confirmed, it seems to have been created without issue.

Thanks for this.

Having read your post, I checked my Cahoot account and, sure enough, there are two e-documents in there for me to view, dated 5th and 6th September, respectively. Curiously, both document links are to the same letter, regarding the reduction in rate.

I received no email or notification to inform me that these documents existed, so how they expect customers to read them, I don't know. If I was psychic, I wouldn't be chasing rates 😂



Will be interesting to see if Cahoot "catch up" with those, like yourself, who have tested their mettle and opened a second issue.

Their Key Facts Document seems pretty clear to me:

"You can have a maximum of two cahoot Sunny Day Saver accounts – one in your sole name and one that you hold jointly with someone else.

If you don’t keep to these terms, we might switch your account to a cahoot Savings Account."