New 90 day access account

Yes, but that does seem kind-of a design flaw... it would seem extremely rare for someone who requests to withdraw the entire balance would really mean "but leave the next interest payment in that account", yet the system uses this as its default assumption.

This will become even more annoying for the 90DAA, where someone who requests a withdrawal, then comes back in 90 days would need to wait ANOTHER 90 days to withdraw the interest (and then have to separately withdraw the interest on the interest unless they found and realised the significance of this option in the meantime).

There's also the other big annoyance of having amounts "<0.01p" that get left behind when you ask to withdraw what appears to be the whole balance of the account... I'm sure chris will be instructed to fix these issues at some point, but probably not too high up his priority list!

Best approach in my opinion would be to have a separate option for "withdraw full balance including future interest" instead of typing in an amount. This would take care of all of these oddities for you.

I'm aware of most of the details of how to work around the deficiencies in AC's systems. However, that doesn't mean they're not annoying... and in the case of unnecessary complications for what should have been anticipated as relatively common actions, I'd definitely classify them as design flaws.

For a "normal bank" with a 30 day notice account, if I give my 30 days notice to close the account, they just go ahead and do it. They do a final interest calculation on the last day, and forward the entire amount including interest to the account I nominated. There's no "gotcha!" moments like "but you didn't specifically ask to withdraw the interest on this completely separate option", or "but some of the interest won't be credited until the start of the month after your withdrawal was processed", or "but there's a fractional penny and you didn't ask for an amount £0.01 higher than the displayed balance", and certainly not a "well as you didn't jump through all the right hoops last time, you need to give ANOTHER 30 days notice for the silly little bit that's left over" (potentially several times if the user doesn't notice ALL the gotchas in one go, so it could easily take 90 days to get all but a tiny fraction that we probably don't care about by then).

Actually, I've just now anticipated a related issue that's likely to occur on 1 March, as many users log on and say "Why's there a balance in my 30DAA - I told it to transfer thw whole balance to the 90DAA". At least that should be relatively easily resolved, as the obvious action to take can be instant-effect!

...which is indeed the problem.

An option which has the effect of "closing down my current 30DAA" is exactly what I would expect most people who enter a withdrawal of the entire current balance of their 30DAA were looking for, only settling for the "withdraw that amount" option when they couldn't find it.

I consider the lack of such an option as a design flaw.

Similarly for the "transfer to 90DAA" button, which also only works for a specific nominated amount from the 30DAA, and has no option to "transfer everything in my 30DAA including accrued interest as of today", which is what I expect most people who enter the current balance in that box actually wanted to do.