Have almost all my money in a Chase savings account (4.1%). Would it be worth getting a Santander edge account and putting £4000 into it for the extra £80 a year and 1% savings on utility bills? Not very good at finance so just thought I’d check. Thanks!

So im looking to switch banks from Santander to another bank to one that offers money for switching to them. I have quite abit of money in my easy access saver currently. Does anyone know what would happen to this money in the easy access saver when i make the request to switch??

Hey All - I'm looking into a High Yield Savings Account. I saw OpenBank by Santander is at 5.00% (I haven't seen anything higher). They don't seem to have a customer service number where I can ask questions. Would you consider that a Red Flag? Does anyone else have this HYSA with them?

I've seen that Sofi has 4.00% (With a $300 bonus for adding direct deposit), Capitol One has 3.80%

Is the APY% the most important factor - or are there other factors I should be thinking about? Thanks!

The title says it all really- £20,000 in the Emergency Fund. 5.84% interest with the Santander Edge and instant access. Are there any better options out there at the moment?

So I require an up to date statement from my Santander savings account, but when I went into the branch today I was only able to obtain a mini statement (which doesn’t have the required details such as date, name and address of bank or account type).I don’t have a digital statement (they’re only issued once every 6 months) to print and the means for which I need it require it to be less than 2 months old.

Does anyone have any advice as to how I could obtain one? It is for a visa sponsorship, any normal bank statement with the following details would suffice:

Name Full account number Name and Address of Bank Balance Currency Account Type No indication of Hold on Funds Date

Thanks for any advice

Openbank by Santander (FDIC Cert #29950) https://www.openbank.us/ has a high yield savings account which as of today has a 5.25% APR. Santander is a bank Spanish bank but I only stumbled upon Openbank today. Openbank in Spain from Santander https://www.openbank.es/ appears to be a full-service (online) bank.

Has anyone had experience using Openbank (US) for a HYSA?

Openbank's only current product appears to be its HYSA (no CDs or other types of bank accounts). According to the website is does business in every state in the US except for Connecticut, Delaware, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, and Rhode Island where Santander has physical branches. (You can't have both an account at a Santander branch and Openbank.)

Openbank has a customer service telephone number buried deep in their website, but you can't speak with anyone unless you have already opened an account online.

Anyone else on Santander using a 3rd party open banking app but it doesn't seem to be able to link an account?

I have four accounts with Santander, three of which are savings. I am using Actual budget if that matters but this seems to be an issue on Santander's end. And since this is technical I'm not even bothering with customer support for now.

When I go to link my accounts, Santander only shows three of my accounts, and does not show the 4th one that I opened a few weeks ago. Anyone know what could be causing this?

Thanks

I still have this account (had it since 2017) and use it as my main account to pay bills and receive salary etc, does anyone know if this in its latest form is still better than other options for maximising interest and cashback etc?

Hello,

Planning on opening e saver for my dad and was wondering how save it is? Sorry for stupid question i just want to make sure he will be able to get interest and transfer money back once necessary..

Thank you

Hello,

Not sure whether this is the right group, feel free to redirect me.

Last year, I put a sum in the one year state bond (more than 1.000, less than 10.000). I currently have a savings account with BNP Paribas Fortis, but I am aware that their intrest rates are shit. I don't want to put the sum from the state bond back on my savings account.

I wish to stay ahead of inflation, but the security of my money is very important to me. The lower the risk, the better. I do not plan on big stock market investing.

I know Santander and MeDirect offer much better intrest rates than Fortis, especially on one-year saving plans. MeDirect also allows you to sign up for the new state bond with an extra bit of net intrest. I am also interested in ETF's, but I'm afraid the tax on the gains from those would make them less interesting. Again security is a priority here.

All advice welcome!

Hey everyone, I’m looking into opening an Openbank High Yield Savings Account by Santander and wanted to get some feedback from those who might have experience with it. A few things I’m curious about:

1. Do you recommend this account?

2. Does the interest rate of 4.20% stay consistent, or does it change often?

3. If I have a Santander checking account and transfer funds to Openbank, do the transfers happen immediately?

4. Will I earn the full APY on my entire balance, regardless of how much I deposit, or is it tiered?

Any personal experiences or advice would be greatly appreciated — thanks

Just had an email through saying that Santander are going to be converting my 123 Lite current account into an Everyday one. I figured this was coming given they haven't offered those accounts to new customers for a while now.

Wondering for myself if it's worth opening a new Edge current account to keep getting cashback or just cashing in and getting a switch bonus from another bank

Hi,

I found this HySA with a 5% APY. It looks great and Nerwallet says good things. But the Android app has abysmally low reviews.

Anyone has any experience? https://www.nerdwallet.com/reviews/banking/santander-bank

My personal Santander savings account I’ve had since college, and it doesn’t really bring in any money whatsoever. A friend of mine recently mentioned that Synchrony savings has really great interest. I’d love to close my Santander account and put all the money into synchronity account.

I guess my question is; has anyone had experience with closing a Santander personal savings account, and if so were you slammed by any surprise fees? And also, if anyone has experience with synchrony savings account, is there also anything I should be aware of and be careful of? Just want to make sure it’s actually a worthwhile move.

And if this info helps; I’ve had a full time salary job for 5 years now and I’ve been saving a lot, and I’m hoping to possibly buy a home with these savings in the next 5 years so a higher interest rate sounds great for helping with that goal!

EDIT: sorry lol I’ve been spelling “synchronity” wrong it’s actually “SYNCHRONY” whoops

Basically there was a significant amount saved up. A nest egg for when I turned 18. Apparently she "borrowed" everything to pay for a car when I was 14, 10 years ago. She still hasn't paid me back and refuses to give me access. I need access to know how much was in there, how much she took, and how much she owes me. I understand that your parents are responsible for your finances until you're 18, so there's nothing I can do legally, I just want to know how much was there so I can get some leverage and twist her arm to get it all back. Dad is on my side but he's useless, he just tells me I "need to ask her for access" which I keep telling him I have done. I'm afraid that instead of simply logging in with the information and getting a statement, I now need to jump through hoops to get in contact with Santander and go the long way around. Either way, I'll get it eventually whether she likes it or not.

I have £10k currently sat in a Chase saver account at 4.1%, rather than overpaying my 2.44% mortgage.

I noticed Santander are doing a 7% saver for up to £4k for 12 months. I am thinking of moving £4k over there for the 12m which, from my calcs, should see me earn £280.00 interest at Santander, but my chase would drop to £246.00 for that period, totalling £526, whereas just leaving it in Chase would be £410.00. So £116 better off, then I can move it back to chase at the end of the period.

Am I right there, or have I missed something glaringly obvious?

Never posted in this subreddit before, but I have a chunk of money coming soon and would like to know what to do with it. It will be between $3,000-5,000 coming in the first quarter of 2026. I would like to keep it in a high-yield savings account for the time being, what would you all recommend?

The higher the APY, the better. I don’t want to have any requirements for direct deposit or monthly deposit amount - I want to be able to add however much I want, whenever I want. Looking for an app that is easy to use and simple to monitor and manage. A deposit bonus would be nice, but not necessary.

I also plan on adding my 2025 tax refund whenever I receive it, as well as whatever income I have leftover after all my other expenses and savings each month (usually around $200-500, sometimes more or less).

I already have accounts with CapitalOne, Chase, Citi, and Synchrony, if any of those offer good high-yield savings accounts.

I had no idea a bank would close a CD account without telling anyone. Now I was given a form to claim the money from treasury. Never use Santander bank because this is really inconvenient.

I have my savings in trade republic. I am looking for more savings accounts because I reached the limit with trade republic.

I dont trust bunq because their security is terrible.

I am looking for a savings account that is

1.secure

2.has high interest rate

3.covered by deposit guarantee

I live in the Netherlands.

From my research I came across the following

Medirect

Open bank

Garanti BBVA

Santander

Distingo(via raisin)

Big bank

Klarna

All the above have high interest rates. Can anyone comment on their security, reputation, deposit guarantee?

By security I mean things like 2fa etc.