The New Top Easy Access Savings Discussion Area

gt94sss2

sv511 said:

Any easy access savings recomendations for American expats with their tax home in the UK?

Cahoot appear to not support this.  If I set my nationality to American on the application, I can't set my tax home to the UK. 

We also want a joint account. 

I suggest you set up your own thread to get more people to see your specific question.

Also, have you tried calling Cahoot and talking to them?

There are also a number of forums for American expats that may be helpful to you

Bridlington1

@soulsaver
West Brom Four Access Saver (Issue 1) 4.90% NLA

[Deleted User]

Bridlington1 said:

@soulsaver
West Brom Four Access Saver (Issue 1) 4.90% NLA

Just got there in time, put a fair bit in yesterday.

Rheumatoid

10_66 said:

Bridlington1 said:

@soulsaver
Chip Easy Access Saver `Tri' 5% (up from 4.84%) (4.07% BOE BRT plus 0.93% 12 mth boost (up from 0.77%))

Is this available in the app now as I can't see it, please.  I had difficulty with the 4.84% issue, it wasn't available on the app on my old iPad, but was on my iPhone 13.  I'm wondering if the 5% isn't available on this one now.

Still 4.84 for me

linz

Rheumatoid said:

10_66 said:

Bridlington1 said:

@soulsaver
Chip Easy Access Saver `Tri' 5% (up from 4.84%) (4.07% BOE BRT plus 0.93% 12 mth boost (up from 0.77%))

Is this available in the app now as I can't see it, please.  I had difficulty with the 4.84% issue, it wasn't available on the app on my old iPad, but was on my iPhone 13.  I'm wondering if the 5% isn't available on this one now.

Still 4.84 for me

I believe it's only for accounts opened from yesterday (20th Sept) onwards..

10_66

Bridlington1 said:

10_66 said:

Bridlington1 said:

@soulsaver
Chip Easy Access Saver `Tri' 5% (up from 4.84%) (4.07% BOE BRT plus 0.93% 12 mth boost (up from 0.77%))

Is this available in the app now as I can't see it, please.  I had difficulty with the 4.84% issue, it wasn't available on the app on my old iPad, but was on my iPhone 13.  I'm wondering if the 5% isn't available on this one now.

I've managed to open it on my android 9 phone without any issues and my phone was rather cheap to start with and isn't compatible with a few of the other banking apps.

Though I've messaged them I've not received a reply, do you know if I need to close the 4.84% in order to have the 5% one become available?

slinger2

10_66 said:

Bridlington1 said:

10_66 said:

Bridlington1 said:

@soulsaver
Chip Easy Access Saver `Tri' 5% (up from 4.84%) (4.07% BOE BRT plus 0.93% 12 mth boost (up from 0.77%))

Is this available in the app now as I can't see it, please.  I had difficulty with the 4.84% issue, it wasn't available on the app on my old iPad, but was on my iPhone 13.  I'm wondering if the 5% isn't available on this one now.

I've managed to open it on my android 9 phone without any issues and my phone was rather cheap to start with and isn't compatible with a few of the other banking apps.

Though I've messaged them I've not received a reply, do you know if I need to close the 4.84% in order to have the 5% one become available?

I seem to remember that you can't close individual savings accounts with them. You can empty them but then you can't open a new one.

MichaelAP

slinger2 said:

10_66 said:

Bridlington1 said:

10_66 said:

Bridlington1 said:

@soulsaver
Chip Easy Access Saver `Tri' 5% (up from 4.84%) (4.07% BOE BRT plus 0.93% 12 mth boost (up from 0.77%))

Is this available in the app now as I can't see it, please.  I had difficulty with the 4.84% issue, it wasn't available on the app on my old iPad, but was on my iPhone 13.  I'm wondering if the 5% isn't available on this one now.

I've managed to open it on my android 9 phone without any issues and my phone was rather cheap to start with and isn't compatible with a few of the other banking apps.

Though I've messaged them I've not received a reply, do you know if I need to close the 4.84% in order to have the 5% one become available?

I seem to remember that you can't close individual savings accounts with them. You can empty them but then you can't open a new one.

Chip need to change this to allow those who took up the offer earlier in Sep. By isolating their early opening customers and not giving them the same 5.00% access is downright wrong.

slinger2

MichaelAP said:

slinger2 said:

10_66 said:

Bridlington1 said:

10_66 said:

Bridlington1 said:

@soulsaver
Chip Easy Access Saver `Tri' 5% (up from 4.84%) (4.07% BOE BRT plus 0.93% 12 mth boost (up from 0.77%))

Is this available in the app now as I can't see it, please.  I had difficulty with the 4.84% issue, it wasn't available on the app on my old iPad, but was on my iPhone 13.  I'm wondering if the 5% isn't available on this one now.

I've managed to open it on my android 9 phone without any issues and my phone was rather cheap to start with and isn't compatible with a few of the other banking apps.

Though I've messaged them I've not received a reply, do you know if I need to close the 4.84% in order to have the 5% one become available?

I seem to remember that you can't close individual savings accounts with them. You can empty them but then you can't open a new one.

Chip need to change this to allow those who took up the offer earlier in Sep. By isolating their early opening customers and not giving them the same 5.00% access is downright wrong.

This is the Chip style i'm afraid.

Bridlington1

MichaelAP said:

slinger2 said:

10_66 said:

Bridlington1 said:

10_66 said:

Bridlington1 said:

@soulsaver
Chip Easy Access Saver `Tri' 5% (up from 4.84%) (4.07% BOE BRT plus 0.93% 12 mth boost (up from 0.77%))

Is this available in the app now as I can't see it, please.  I had difficulty with the 4.84% issue, it wasn't available on the app on my old iPad, but was on my iPhone 13.  I'm wondering if the 5% isn't available on this one now.

I've managed to open it on my android 9 phone without any issues and my phone was rather cheap to start with and isn't compatible with a few of the other banking apps.

Though I've messaged them I've not received a reply, do you know if I need to close the 4.84% in order to have the 5% one become available?

I seem to remember that you can't close individual savings accounts with them. You can empty them but then you can't open a new one.

Chip need to change this to allow those who took up the offer earlier in Sep. By isolating their early opening customers and not giving them the same 5.00% access is downright wrong.

Personally I've no issues with Chip restricting the eligibility of the account if they wish.

It's no more wrong than when, say, HSBC decided to bring out the 7% version of their regular saver and not allow those who have their 5% version to open it unless they close the 5% version first (which would make them incur a large interest hit) or wait for it to mature.

Moreover some banks often restrict accounts to people who live in certain postcodes, is that also to be considered ``downright wrong"? 

They can and should be able to restrict eligibility if they wish. Quite often by doing so it allows them to offer higher rates to those customers they wish to gain or keep hold of which I would consider to be fair enough.