I day notice is instant enough for me.
Now down to 0.80
There is a 0.93% one with Monzo
Okay will take a look. Does Marcus have a UK app? When I just checked on Google play it says not available in your country.
Sadly the app is only available in the US
Which is one of the reason I stuck with the 1.15% in Monzo and will move to the 0.93% one
No app, but the website is built well for mobile. Open it up and save it to your home screen, youāll get an icon that opens a web app window for Marcus.
Yes I was thinking of going down that route, thanks for confirming.
Another drop to 1.05%. Tempted to move some more emergency fund to premium bonds now.
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Iām keeping about 3 months worth of emergency savings in Marcus and any other cash savings in Premium Bonds.
Instant access is still the front line feature for me
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Can I ask why you value having app access and lower interest compared to web access and higher interest?
I have actually moved to them now 
after Monzo dropped my rate even the new 1.05% was an improvement.
No more new customers due to regulation. It makes regulation feel onerous, but maybe thatās the cost for having the government insure your deposits up to Ā£85k.
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The regulations are more to do with the politicians reacting to media fearmongering about ācasino bankingā rather than anything to do with the Ā£85k limit.
Itās also one of the reasons why UK savings rates have been lower than otherwise - as the big banks canāt use their capital for the reasons they used to - so donāt need deposits as much
Canāt say this wasnāt expectedā¦ If anything to me this means deploying more cash on freetrade over the foreseeable future 
ā¦and hopefully more people signing up on freetrade!
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A shame but still probably one of the best savings accounts out there for instant access.
Chip is going to be 1.25% account soon
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Atom is better as they support instant withdrawals. I think they offer 0.75% still.
Thatās when you refer a new user and itās from their marketing budget. Dozens do the same, and offer 5% but itās not as straight forward because of the bidding process and how that works.