QAA Interest Payments

I'm sure I'm not alone in finding that because of this segmentation the hitherto just a bit annoying situation of having nanopence stuck in the CA forever unable to be added/swept into any other account has now got even more annoying.  When the QAA started, I set my options to sweep from everywhere into it, thinking at the time that, at last, the nonopence would get added into a whole which I quickly realised wasn't the case.  I can see very clearly why the cash from the various accounts is segmented (and it seems to work well that way), but now I have the situation where my nanopence in the CA is having nanonanonanopence added by way of interest, itself then queued up to have further, tinier additions made on them a month later, and I see no way out of it.  This will go on till I die without ever getting to a point where anything can be done with it.

Probably the right answer is to make it invisible to me (as undoubtedly happens in countless other banking type accounts which show me just the whole pennies), and then I won't find it annoying.  If it's not going to be made invisible, then can we not now have some way of sweeping the entirety of an account's contents not just into QAA, but between other accounts, so that at last the cash account can be zeroed and the nanopence put somewhere they can be added up and used?  A Support Desk option to do it as a one-off upon request would be sufficient - I'm certainly not suggesting you add further complexity to the public UI, which is already more complex than any system has a right to be.

When I was a PM, this insane nanopence reporting is the sort of situation that my techies would have wanted to implement, and that I as a sensible user-type human being would have insisted that they didn't, frequently much to their annoyance and accusations that what I made them do wasn't 'correct'.  Happened loads, but I was the boss.  And I was right   There have been UI experts employed at AC and I'm struggling to believe that they thought this was a good idea.  (I speak as an ex-techie myself, but I grew out of that )

Perhaps Chris could add a "Donate Nanopence" button that would transfer any last remaining vestiges into a charitable fund. Within a couple of millennia we might collectively accumulate enough for a penny sweet.

ramblin rose, have you tried taking 1p out of your MLIA (into Cash Account) and then moving 2p back again?

Sorry, cant think of anything else.

The best you can do until they fix the UI (to allow the entire balance of the cash account to be swept into another account) is to wait until the MLIA has a balance something like £x.xx9xxx or £x.xx8xxx, then withdraw an amount in excess of the entire balance of the MLIA into the cash account, combining the totals, at which point you can cancel the pending withdrawal from the MLIA and redeposit the funds.

Unfortunately, since the introduction of the QAA, that process now results in ALL your MLIA funds going to the back of the queue, so until or unless they fix the deal flow so that swept funds can start earning QAA interest in a reasonable amount of time, you're probably better off leaving the odd balance in the cash account.

It may also be possible to put a precisely calculated balance into the cash account, allowing it to be swept into the QAA in due course, and remove it after a precisely determined amount of time so that the next QAA interest payment into the cash account puts the balance to a whole number of pence.