That’s a normal level of customer service. It’s just in the UK, there is the stiff upper lip thing - moan a bit and then put up with rubbish.
Also, in the US you tend to either pay for banking or give some kind of commitment (salary deposit) so the dynamic is slightly different and you tend not to get those people with 12 current/checking accounts (a la MSE) skimming off 50p here and £2 there.
That’s interesting - and of course we’re positively encouraged to go shopping around for accounts over here. Very different vibe (probably everywhere else?).
Apart from that family sat nearby you in that Spanish restaurant, you’re broadly right. 
US customer service is a world away and it’s not surprising we’re surprised when we experience the Chase thing above.
Thanks!
Can you remember whether paying into your instant access saver is an option?
Tiny minority of customers.
Not instant unless you use Open Banking feature, I believe, which I don’t.
I deposit via bank transfer and receive a SMS confirming deposit, usually about 20 minutes later.
Withdrawals are likewise. c.20 minutes to arrive in your current account.
I used OB for a deposit, got an instant text confirmation but the money still took 20-30 minutes to arrive.
Sorry not what I meant, I meant can you opt for your fixed saver balance to go into your instant access!
I know the interest is paid out for sure
Hi, yes my Tandem fixed saver is just coming to an end as as part of the maturity process in the app I have selected the capital to go to my instant saver. I phoned them to see if interest could go to that also but they say no it must be paid to external account. They do have a few odd rules but had accounts with them for few years and never any problems and customer service very efficient and helpful.
Awesome! I will definitely instruct them to pay the capital to my instant access saver!
I will inform them which current account to pay the interest to in the same swoop - as it appears that is possible.
@Cmundo1972 actually - as part of the in app flow is where the interest goes (external account wise) part of what you select?
No! Funnily enough I had to phone them to change the current account where my interest goes. You can’t change in app and it’s not part of the maturity process. It’s automatically set to go to account where original funds came from. This is one of the very few things I don’t like about Tandem , the lack of availability to select destination accounts in the app for fixed savers interest.
Well, that will be interesting. The account I paid in from is no longer linked on Tandem! I assume a chat would get the issue sorted like the phone otherwise I guess it would just default elsewhere…
I have no idea why some of these things can be done in app & others cannot. Anyway cannot argue with the rates.
Good to hear - I am still hopeful one day they will allow re-entry because I think they would be the perfect Fintech match for me currently. I was a little concerned the CS might not be as good (as current), but sounds like this isn’t the case at all.
FWIW - The Uk and occasionally international teams that I deal with from time to time with HSBC have been exemplar. They are the standard that I expect now from any other bank. So I don’t think all non US based contact centres are bad in that respect.
Just had an alert from Chase asking if 3 payments made from my account to eBay yesterday afternoon were made by me. They weren’t and luckily Chase had already frozen the payments, so no money lost. Card now frozen for online transactions until some other team get back to me. Card still useable in person, and will try ApplePay shortly. Well impressed. R-
Good work, Chase.
Interesting move by Chase to freeze the card online but not in person, but it does occur to me that actually they might generate two sets of card details.
So it’s not that your card is frozen online only? it’s that your physical card doesn’t use the details from your online card.
Just a theory though - not something I know. I’m also curious how they do refunds to cards if I need to “have it refunded to the same card”
Did you not know that the physical card has a different number to the app card number 
I take it then you have allowed eBay to store your bank details?
I purged mine out of eBay a long time ago.
ApplePay is fine as is physical card. Online shopping still to be unlocked. R-
I have used eBay since 2006 without issue. Purchase details are held on the account for everyone surely? Otherwise you’d have to start from scratch every time you purchased something, no? R-
Nope. Any eBay shopping I do (which is rare) is done through PayPal.