Jethro Tull
Registered User
- Messages
- 262
took me about 20 mnutes from parking the car to driving off to get it sorted yesterday. Was also told i could get online banking eventhough I didn't have a halifax current account.
Halifax Flexi Saver - 5.15% for one year
- Thread starter Jethro Tull
- Start date
DublinTexas
Key Post author
- Messages
- 360
Funny enough if you are already a halifax current account customer, all your payees from that account are also payees on the flexi saver account.
They automaticly also added the flexisaver account as a payee to the current account and visa versa.
And transfers from halifax current account to flexisaver and back are in real time, so you can leave the money in there as long as possible and only pull it over shortly before you need it.
Now if they would link that account to the Visa card so that you can use it for withdrawing cash, that would be nice. THis works fine with USA banks for example, one card for multiple accounts, the ATM asks if you want checking or savings when you try to withdraw.
They automaticly also added the flexisaver account as a payee to the current account and visa versa.
And transfers from halifax current account to flexisaver and back are in real time, so you can leave the money in there as long as possible and only pull it over shortly before you need it.
Now if they would link that account to the Visa card so that you can use it for withdrawing cash, that would be nice. THis works fine with USA banks for example, one card for multiple accounts, the ATM asks if you want checking or savings when you try to withdraw.
Hey Godfather would you mind answering a few questions before I wonder whether AnPost has messed up...?Godfather said:
-How many articles of mail does one expect? I presume one is a welcome letter with account details, the other one a PIN for online banking.
-Is all the mail coming from Dublin?
-What was the total time for you in getting all the stuff in the mail?
G
Gautama
Guest
I've received two so far, am expecting one more.
No, two counties up, Co Louth.
Haven't got it all yet, about a week or so, so far.
Ah... gah I get stuff faster from the UK than from eastern counties. Got to love AnPost.
G
Gautama
Guest
Update on that. I mailed in my application on Monday or Tuesday 14/15th January.
On Thursday 24th January I received two letters: one containing A/C No, Sort Code, IBAN, etc; the other containing my Customer ID.
On Friday 25th January I received two further letters: one containing my Access Code; the other returning my verification documents.
So, all-in-all, it took less than 10 working days to send in the application, have it processed and the account set up, and the details returned to me.
Not bad!
I've tried logging in, very straight-forward.
The title of this post is mis-leading, but I seem to recall something about people having trouble with their applications?
I haven't experienced anything, but I must deposit some moolah soon.
On Thursday 24th January I received two letters: one containing A/C No, Sort Code, IBAN, etc; the other containing my Customer ID.
On Friday 25th January I received two further letters: one containing my Access Code; the other returning my verification documents.
So, all-in-all, it took less than 10 working days to send in the application, have it processed and the account set up, and the details returned to me.
Not bad!
I've tried logging in, very straight-forward.
The title of this post is mis-leading, but I seem to recall something about people having trouble with their applications?
I haven't experienced anything, but I must deposit some moolah soon.
Kingdomkerry
Registered User
- Messages
- 19
Could someone tell me why anyone would open an accout here when First Active offer a higher AER (5.15% vs 5.22%)?
Jethro Tull
Registered User
- Messages
- 262
They might have more than 15k
I
irishpancake
Guest
JT, if you mean they already have €15k with FA, correct. (or just under €15k to make sure they still get the top rate
).But just to warn ppl, with Halifax flexi-saver, you are limited to amounts up to €10k to get the "bonus rate". Go over that and you are on 4%.
Hi guys, sorry if I log on less than usual to aam... It's a bit of busy period of my life. Here are my answers to the questions above:
1) 2 letters: ID and PIN
2) I think they are coming from Dundalk
3) within 7 working days from applying I got the 2 letters
G
Gautama
Guest
JT, if you mean they already have €15k with FA, correct. (or just under €15k to make sure they still get the top rate
But just to warn ppl, with Halifax flexi-saver, you are limited to amounts up to €10k to get the "bonus rate". Go over that and you are on 4%.
Yep. So if you have, say, 30k to put on deposit, your best option would be almost 15k in FA, almost 10k in Halifax, then 5k and a bit elsewhere.
Making sure not to breach 15k in the FA a/c or 10k in the Halifax a/c.
Kingdomkerry
Registered User
- Messages
- 19
I have just over €9K.(Poor Student) Dont trust property or shares at the moment. I had it in Rabo Direct but they cut their rate so i moved it to AIB deposit 7 (as i have a current accout i was able to set it up in 5 mins online without the hassle of getting docs together for opening a/cs in new bank accounts).
Obviously my deposit should be going in to esavings at First active (hightest rate), rather than the Halifax one being discussed on this thread
Right???
Obviously my deposit should be going in to esavings at First active (hightest rate), rather than the Halifax one being discussed on this thread
Right???
5.22% for up to €15K is the best demand deposit rate on offer at the moment as far as I know (other than for c. 7% regular saver accounts with monthly contribution limits and, in some cases, other terms & conditions/restrictions). See the Financial Best Buys forum for lists of the best demand and term lump sum and regular saver accounts/rates on offer.
eileen alana
Registered User
- Messages
- 476
There isn't much of a difference between the rates, its basically only a few euros and it was easier for you to set up the AIB a/c.
I don't think that people should be discouraged from wringing every last cent of deposit interest from financial institutions. If we all just settled for the "nearly" best rates then this would erode competition and probably cause the best rates to be dropped. Customer inertia is one enemy of competition!
Also .... I found opening an AIB account slightly more difficult than opening one with most other institutions since I was forced to drop into an AIB branch to do so while with the others I did it all by post.
Also .... I found opening an AIB account slightly more difficult than opening one with most other institutions since I was forced to drop into an AIB branch to do so while with the others I did it all by post.
eileen alana
Registered User
- Messages
- 476
I agree with you clubman, I am a proper rate tart myself!! however, as the OP already had an AIB current a/c, it only took him/her a few minutes to open the savings a/c online.
Kingdomkerry
Registered User
- Messages
- 19
Yeah I threw it in to AIB just to get it out of Rabo (got revenge on them for cutting rate). But I am in the process of getting my FA esavings set up. When it is i'll just transfer it there. Was just looking for conformation im doing the right thing even if it is only a few euros difference?