Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:33 PM
    • 1,088Posts
    • 3,670Thanks
    Special_Saver2
    Regular Savings Accounts: The Best Currently Available List!
    • #1
    • 27th Nov 07, 10:33 PM
    Regular Savings Accounts: The Best Currently Available List! 27th Nov 07 at 10:33 PM
    1. Introduction

    Welcome to this thread. I continually edit the first few posts of this thread to keep it up-to-date. This thread is meant to complement Martin Lewis' article which you can read here: Regular Savings Accounts and the accompanying discussion thread Regularly Beat the Best Savings Account Rates Discussion Area

    I am happy for people to use this thread to discuss the regular savings accounts on this list. If people want to discuss one of the feeder accounts or a maturing account that is no longer on this list, I am happy for people to post something on this thread (as it may be of interest to some of the people who follow this thread), although I would prefer they start a new thread and then post a message on this thread with a link to the new thread.

    I am only including accounts where the interest rate is 2.5% or better, or 1.5% if there are particularly favourable terms and conditions (e.g. fixed rate, no maturity date, allow payment of £500 or more per month, or have unlimited withdrawals without penalty).

    I have not included regular saver ISA accounts which you can find in Kazza242's thread here: Mini Cash ISAs: The Best ISAs Currently Available List

    I have included children's regular savers but I would strongly recommend that you read the section about the tax implications
    for interest from children's accounts in Martin's article Best Child Savings.

    If you are not sure whether the best place for your money is in a regular savings account or another type of savings account then look at Martin's article How to Start Saving. If you want to see a worked example of how to use these accounts to save the maximum possible, see the thread What is the Highest Interest Rate You Can Get?

    If you have information about a new regular saver account then please feel free to post a message on this thread or you can write a separate thread and then post a link here. Please try and limit discussion on this thread to regular savings accounts.

    If you want to bookmark a link that allows you to jump straight to the end of this thread then use this: http://forums.moneysavingexpert.com/...8697&page=9999

    If you want to receive automatic alerts when new posts are added to this thread then use the following instructions. Login, go to the top of any page in this thread, click "Thread tools" then click on "Subscribe to this thread" and then select whether you want to be notified as soon as there is a new post (you will receive an e-mail telling you to go to the website for more details) or select daily or weekly updates (you will receive an e-mail daily / weekly with a handy summary of all the new posts).

    You may also be interested in the following threads:
    How can regular savings accounts offer such good interest rates?
    Are Regular Savers still worth it? (Calculations and discussion regarding drip feeding lump sums into regular savings accounts)
    Is there a best time of the month to deposit in Regular Savers?
    Transfers from Barclays to regular savings accounts
    Interest on BACS credits
    Direct Debit Payments
    A-Z of bank/building society sort codes/account nos
    Account opening date and 13th payments

    Websites with useful information include:
    Moneyfacts.co.uk News Page
    Moneyfacts.co.uk Regular Savings Accounts Page
    Moneyfacts.co.uk Children's Savings Accounts Page
    Moneysupermarket.com Regular Savings Accounts Page

    (you need to choose the right hand option on that page to view all regular savings accounts)
    Savings Champion Regular Savings Account Page

    Thanks to Money Savers
    adindas, Afahmaep, alanq, aleph_0, AlwaysLearnin, apt, Archi Bald, Ashen, Baldur, blindman, Bluebirdnick, bob792, bristolleedsfan, Careful_ly, Chadsman, Chaykin, chookie1, chris1, colsten, Cosworth806, ctdctd, Dagobert, DeepSporran, dougz, Ed-1, edda, F4, Fella, Froglet, Frogletina, glider3560, gt94sss2, happy with my lot!!, HardCoreProgrammer, IanIan, IanManc, info addict, InMyDreams, innovate, interest Ted, jdavtz, jimbow25, Jo Blogs, johnmoney05, karlie88, Kazza242, Ken68, KTF, lightbulb2760, LongTermLurker, lr1277, lucky77, mary, midzone, MarkFromMullion, MARTYM8', Milarky, moi, moneylover, Money_Man_Steve, MoneySaverLog, motoko, Mr Pumpendumpen, MRMX9, mrssjs, Nessie23, Newly retired, Nick_C, nicko33, notalk, numbers123, Old Slaphead, opinions4u, oxenryd, parker1982, patientperson, penguine, premierfella, psychic teabag, quinlanmd, RayWolfe, red ant, redcar, Rich2808, SalsaDanca, secret wookie, schiff, shokadelika, Snowman, Speculator, steveteach, steve65e, veryintrigued, ViksB, vinylmusic, Vortigern, weeallen, Westie983, worried3, Willing2Learn, and YorkshireBoy for their contributions (useful posts either directly on this thread or on another thread that I have then incorporated here).

    I have divided up the information here into several different sections. You can therefore easily skip any sections that you are not interested in.

    Unless indicated otherwise, you can only open one of each account.


    I have included a summary of the terms and conditions of each account as these can be complicated with regular savings accounts. I would advise you to look at these terms and conditions to check that the account is suitable for you.

    2. No Time Limit / Account Maturity Date

    The advantage of these accounts is that you can build up a large balance which all earns a high rate of interest. You also avoid the hassle of continually opening and closing accounts and setting up new standing orders for each new account. The terms and conditions are also generally good - they generally allow you to make a penalty-free withdrawal and miss a payment each year. The disadvantage of these accounts is that there is no guarantee that the rate will remain high and often these accounts have a balance limit. If the interest rate drops after 12 months then I include the account in post 4 instead.

    3. Matures After More Than 12 Months

    The interest rate drops significantly after the date specified.

    4. Matures After 12 Months

    These accounts usually offer higher interest rates and they often offer interest rates that are fixed for the full 12 months. The main disadvantage with these accounts is that after 12 months the interest rate usually drops significantly. The terms and conditions can also be quite restrictive, so read them carefully.

    5. Matures After 12 Months, Requires Another Account

    These accounts are similar to the above accounts but they require you to open another account (usually a current account, which often has a funding requirement). They are more hassle than the accounts in section 4 but usually have a higher interest rate in return.

    6. Matures After 12 Months, Requires Another Product (Insurance or Investment)

    These accounts usually also offer a short term, high interest rate but they require you to make a long term investment or take out an insurance product.

    7. Matures After Less Than 12 Months

    These accounts are usually Christmas Saver accounts designed to encourage saving in time for Christmas.

    8. Homebuyer Accounts

    Okay, these accounts will not be of much use to you unless you are going to buy a house but they may be of use to some of you out there.

    9. Best Feeder Accounts

    These are accounts where you can leave a large lump sum and drip feed the money into your regular savers each month. Certain accounts are not listed here as they cannot transfer money directly to regular savings accounts. The accounts listed can do BACS transfers to regular savings accounts directly. Alternatively, if you have an offset mortgage, you might be able to use that as a feeder account but it is only worth doing so if the interest paid (after tax) on the regular saver account is higher than the interest rate on your mortgage account.
    Last edited by Special_Saver2; 05-11-2017 at 7:54 PM.
Page 1
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:34 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    • #2
    • 27th Nov 07, 10:34 PM
    • #2
    • 27th Nov 07, 10:34 PM
    No Time Limit / Account Maturity Date

    Mansfield BS Young Regular Saver

    Interest rate: 2.5% gross p.a. variable from 19th September 2016
    Monthly payment: £25-£500
    Miss any payments: Yes, as long as you do not miss payments for two consecutive months
    Penalty-free withdrawals: Yes, two withdrawals per calendar year (1st January to 31st December)
    Age of applicant: Up to and including 17 years old
    How to open account: Post or branch
    Special conditions: It may be possible to open 3 accounts; it is possible for their adult regular saver account (see entry below). Closure is subject to the loss of 90 days interest on the closing balance if 2 or more withdrawals have been made in the same year. The account can be opened by anyone prior to their 18th birthday and, once opened, may be operated into adulthood. If younger than 7 the application form must be signed on behalf of the child by a parent, grandparent or guardian. Each young saver will receive a free piggy bank upon opening.


    Buckinghamshire BS Regular Saver

    Interest rate: 2% gross p.a. variable from 5th October 2017
    Monthly payment: £10-£500
    Miss any payments: Yes, as many as you like
    Penalty-free withdrawals: Yes, two withdrawals per calendar year (1st January to 31st December)
    Age of applicant: Adults and children allowed. C
    annot be operated by an adult on behalf of a child unless a Power of Attorney is in place. A child aged 7 or over may open and operate an account themselves.
    How to open account: Post or branch
    Special conditions: You need to be an existing member or live in one of the following post codes:
    HP, SL, UB, WD. Transfers are not permitted from another Bucks BS account.

    Leek United BS Regular Savings

    Interest rate: 2% gross p.a. variable from 2nd October 2016
    Monthly payment: £25-£500
    Miss any payments: No
    Penalty-free withdrawals: Yes, you can make 1 penalty-free withdrawal per account year.
    Age of applicant: Not stated
    How to open account: Branch only

    Furness BS Lifestyle Saver

    Interest rate: 1.8% gross p.a. variable from 1st October 2016
    Monthly payment: £1250
    Miss any payments: No
    Penalty-free withdrawals: Yes, can make 1 penalty-free withdrawal per account year
    Age of applicant: 16 years old or older
    How to open account: Branch or by post (you can telephone 0800 83431 for an application pack or download it from their website)
    Special conditions: If more than one withdrawal is required in the calendar year, your account must be closed. You can close your account at any time without notice or penalty. Only available to applicants in their branch and agency operating area.

    Nottingham BS Regular Saver (Issue 3)

    Interest rate: 1.5% gross p.a. variable from 5th January 2017
    Monthly payment: £10-£500
    Miss any payments: Yes, miss as many as you like
    Penalty-free withdrawals: Yes, can make 2 penalty-free withdrawals per account year (which ends 31st January)
    Age of applicant: Not stated
    How to open account: Branch (several forum users have reported that it is not possible to open Nottingham BS regular savings accounts by post by sending an application to a branch)
    Special conditions: Maximum balance £750,00.

    Progressive BS Clockwork Regular Saver (Issue 2)

    Interest rate: 1.5% gross p.a. variable from 1st September 2016
    Monthly payment: £20-£500
    Miss any payments: Yes, can miss one per calendar year
    Penalty-free withdrawals: Yes, one per calendar year (1st January to 31st December)
    Age of applicant: Age 18 or older
    How to open account: Branch only
    Special conditions: Only available to existing customers or new customers resident in Northern Ireland. Withdrawals can only be made in a branch. Maximum balance £1 million.

    Ecology BS Regular Savings Account

    Interest rate: 1.5% gross p.a. variable
    Monthly payment: £25-£250
    Miss any payments: Yes, can miss two per calendar year
    Penalty-free withdrawals: Yes, two per calendar year (1st January to 31st December)
    Age of applicant: Any age
    How to open account: Post only
    Special conditions: Payments in are by direct debit.
    Last edited by Special_Saver2; 05-11-2017 at 7:21 PM.
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:35 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    • #3
    • 27th Nov 07, 10:35 PM
    • #3
    • 27th Nov 07, 10:35 PM
    Matures After More Than 12 Months

    Nationwide BS FlexOne Regular Saver Account (age 11-17)

    Interest rate: 3.5% gross p.a. variable from 29th October 2014
    Monthly payment: £0-£100
    Miss any payments:
    Yes, as many as you want.
    Penalty-free withdrawals: Yes, as many as you want.
    Age of applicant: Age 11-17, when holder reaches age 23 then the account will convert to an instant access account
    How to open account: Branch or online
    Special conditions: Must also have a FlexOne current account.

    Penrith BS Junior Affinity Regular Saver (children only)

    Interest rate: 2.75% gross p.a. variable from October 2016
    Monthly payment: £5-£100
    Miss any payments: Yes, you can miss as many as you like
    Penalty-free withdrawals:
    A maximum of two withdrawals per year (January to December) of any amount leaving the minimum balance of £5.
    Age of applicant:
    Aged 0 - 16
    How to open account: Branch or post

    Special conditions: This is a 5 year fixed account. A payment of 0.5% p.a. will be made to Penrith RUFC Juniors or Penrith and District Red Squirrels Group.

    Nottingham BS Special Regular Saver (Issue 6)

    Interest rate: 2.5% gross p.a. variable from 6th November 2017

    Monthly payment: £1-£500
    Miss any payments: Yes, you can miss as many as you like
    Penalty-free withdrawals:
    You cannot make any withdrawals until maturity
    Age of applicant: At least 16 years old
    How to open account: Branch only
    (several forum users have reported that it is not possible to open Nottingham BS accounts by post by sending an application to a branch)
    Special conditions: This account matures on 28th February 2019.


    Chorley BS Members Festive Fund

    Interest rate: 2.5% gross p.a. variable from October 2017
    Monthly payment: £1-£500
    Miss any payments: Not mentioned in terms and conditions, presumably you can miss as many as you like
    Penalty-free withdrawals:
    No withdrawals or closure before maturity.
    Age of applicant:
    Aged over 18 years old
    How to open account: Branch or post

    Special conditions: Account matures on 31st October 2018. Variable interest rate but if they reduce the interest rate they will give you 14 days notification prior
    to the change and 30 days from the notification to switch your account. Only available to members where "A ‘member’ is a customer who holds an open product with Chorley Building Society at application for at least 12 months."

    Chorley BS Festive Fund

    Interest rate: 2.25% gross p.a. variable from October 2017
    Other details as per the Members Festive Fund except that this account can be opened by people who have not been a customer for 12 months.


    Darlington BS Junior High Days & Holidays Bonus Saver (children only)

    Interest rate: 2.25% gross p.a. variable

    Monthly payment: £0-£150
    Miss any payments: Yes, you can miss as many as you like
    Penalty-free withdrawals: Yes, two per year from 1st September to 31st August
    Age of applicant: Under 16
    How to open account: Branch or post
    Special conditions: This account will be a transferred to a Foundation account at the end of the month that the child turns 16 years old. Maximum balance £15,000. The final bonus is paid on 31st August in the year before the child turns 16 years old, so it is probably worth closing the account at that point.

    Nottingham BS Robin Hood Young Saver (Issue 6, children only)

    Interest rate: 2% gross p.a. fixed

    Monthly payment: £1-£100
    Miss any payments: Yes, you can miss as many as you like
    Penalty-free withdrawals:
    Yes, as many as you like
    Age of applicant: Children aged between 7 and 17 can open the account themselves; children aged under 7 will need a parent or guardian to open the account
    How to open account: Branch only
    (several forum users have reported that it is not possible to open Nottingham BS accounts by post by sending an application to a branch)
    Special conditions: This account matures on 31st May 2019.


    Chorley BS Children's Regular Saver (Issue 2)

    Interest rate: 2% gross p.a. variable
    Monthly payment: £0-£150
    Miss any payments: Yes, as many as you want
    Penalty-free withdrawals: Yes, no restrictions on withdrawals specified
    Age of applicant: Aged 0 to 16 years old
    How to open account: Post or branch
    Special conditions: Minimum balance £1. Maximum balance £28,800. Free piggy bank with every account opened. When the account holder turns 16, the account will be transferred into a Young Chorleian Account subject to full identification being provided.

    Scottish BS Junior Regular Saver Account (children only)

    Interest rate: 2% gross p.a. variable from 4th October 2016
    Monthly payment: £5-£50
    Miss any payments: Yes, you can miss as many as you like
    Penalty-free withdrawals:
    Yes, two per year
    Age of applicant: Under 18 years old
    How to open account: Branch or post
    Special conditions: This account runs until the child's 18th birthday

    Newcastle BS Big Little Saver (children only)

    Interest rate: 1.87% gross AER variable from 8th July 2016
    Monthly payment: £1-£250
    Miss any payments: Yes, but you earn a lower interest rate for that month
    Penalty-free withdrawals: Y
    ou earn a lower interest rate for the month of any withdrawals
    Age of applicant: Age 18 or over, on behalf of a child aged under 16
    How to open account: Branch or post
    Special conditions: This account must be a transferred to a standard deposit account before the child's 17th birthday. Also available as a Junior ISA account that allows transfers in from other JISA accounts.

    Yorkshire BS Monthly Regular Saver

    Interest rate: 1.75% gross p.a. variable from 2nd September 2016 (2% from 14th December 2017 as indicated here)
    Monthly payment: £0-£500
    Miss any payments: Yes, miss as many as you want
    Penalty-free withdrawals: Yes, can make 1 penalty-free withdrawal per account year. You can also close the account without penalty even if you have made a withdrawal in that account year
    Age of applicant: Not stated
    How to open account: Branch or post (account can be operated online but not opened online)
    Special conditions:
    The account runs for 2 years.


    Penrith BS Regular Saver 200

    Interest rate: 1.75% gross p.a. variable from 1st September 2016
    Monthly payment: £0-£200
    Miss any payments: Yes, you can miss as many as you like
    Penalty-free withdrawals:
    A maximum of two withdrawals per year (January to December) of any amount leaving the minimum balance of £1.
    Age of applicant:
    Not stated
    How to open account: Branch only

    Special conditions: This is a 2 year fixed account.

    Norwich and Peterborough BS Monthly Regular Saver Account


    Interest rate: 1.75% gross p.a. variable from 2nd September 2016
    (2% from 14th December 2017 as indicated here)
    Monthly payment: £0-£500
    Miss any payments: Yes, you can miss as many as you like
    Penalty-free withdrawals:
    Yes, one per year (based on anniversary of account opening date)
    Age of applicant: Not stated
    How to open account: Branch only
    Special conditions: This account runs for 2 years. Once opened, can be operated by post or electronic payment and "limited facilities are available online via internet banking".
    Steve65e reports in post 4102 that the N&P BS Monthly Regular Saver account can be opened in Yorkshire BS branches so it is possible that may apply to this account too
    Last edited by Special_Saver2; 13-11-2017 at 12:15 AM.
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:35 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    • #4
    • 27th Nov 07, 10:35 PM
    • #4
    • 27th Nov 07, 10:35 PM
    Matures After 12 Months

    Principality BS Member Only Regular Saver Bond

    Interest rate: 4% gross p.a. fixed
    Monthly payment: £0-£250
    Miss any payments: Can miss as many payments as you wish
    Penalty-free withdrawals: No withdrawals permitted except for penalty-free closure of the account
    Age of applicant: 18 years old or older
    How to open account: Branch
    Special conditions: You must have held a savings or mortgage account for 2 years with Principality BS to open this account.

    Halifax Kids' Regular Saver


    Interest rate: 4% gross p.a. fixed
    Monthly payment: £10-£100
    Miss any payments: Yes, as many as you like
    Penalty-free withdrawals: No withdrawals permitted
    Age of applicant:
    Aged up to 15 years old (but the account can continue beyond the child's 15th birthday)
    How to open account: Branch or online (but account can only be operated in branch)
    Special conditions: You can only open one account per child.

    Saffron BS 12 Month Fixed Rate Regular Saver (Issue 3)

    Interest rate: 3.5% gross p.a. fixed
    Monthly payment: £10-£200
    Miss any payments: No, you will receive no interest for any month in which you miss a payment according to HardCoreProgrammer in post 2516
    Penalty-free withdrawals: Yes, as many as you want
    Age of applicant: No age limits but for children under 7 years old, a parent or guardian must act as a signatory on the account and complete a Young Savers application form
    How to open account: Branch or post
    Special conditions: To open this account you need to have held a savings account or mortgage with Saffron BS for at least 6 months. All customers can open the account by post. The interest rate falls to 0.05% if the account balance is less than £10. You may only hold one Regular Saver account (includes all issues).

    Dudley BS Junior Easy Saver

    Interest rate: 3.5% gross AER variable from 21st February 2013
    Monthly payment:
    £10-£150

    Miss any payments: Yes, as many as you like
    Penalty-free withdrawals: No withdrawals allowed but the account can be closed early (no penalty stated)
    Age of applicant: Under 16 years old, operated either by an adult or a child at least 11 years old
    How to open account: Branch

    Barclays Childrens Regular Saver (Issue 1)

    Interest rate: 3.45% gross p.a. / 3.5% gross AER fixed
    Monthly payment:
    £5-£100

    Miss any payments: No
    Penalty-free withdrawals: No, balance earns 1.50% gross p.a. fixed for any months a withdrawal is made
    Age of applicant: Account must be opened and operated by an adult on behalf of a child aged under 16
    How to open account: Branch

    Kent Reliance Regular Savings (Issue 3)

    Interest rate: 3% gross p.a. variable from 24th January 2017
    Monthly payment: £25-£500
    Miss any payments:
    No, the terms and conditions say they may close the account if you stop making regular payments
    Penalty-free withdrawals: Yes, as many as you want.

    Age of applicant: No minimum age (adults can open the account on behalf of a child)
    How to open account: Branch only
    Special conditions: Maximum balance £6,000.

    Principality BS Dylan Regular Saver Bond (Issue 6, children only)

    Interest rate: 3% gross p.a. fixed
    Monthly payment: £10-£150
    Miss any payments: Can miss as many payments as you wish
    Penalty-free withdrawals: No withdrawals permitted
    Age of applicant: Up to 16 years old
    How to open account: Branch or post
    Special conditions: Comes with a free Dylan the Dragon money box. Deposits by standing order should leave the sending account by the 20th of the month.

    Ipswich BS Smart Save (Issue 2)

    Interest rate: 2.75% gross p.a. variable (but includes fixed 2.5% bonus interest) from 1st October 2016
    Monthly payment:
    £10-£500 (or £1,000 for a joint account)

    Miss any payments: Yes, miss 1 payment
    Penalty-free withdrawals: Yes, two penalty-free withdrawals per anniversary year
    Age of applicant: Not stated
    How to open account: Branch or post
    Special conditions: This product is only available to existing members or new applicants resident in local postcode areas IP, NR, CO, CM, CB and PE. This account lasts more than 12 months but the 2.5% bonus interest is only paid on the last year's worth of deposits (as stated in post 4462).

    West Bromwich BS Children's Fixed Rate Regular Saver (Issue 4)

    Interest rate: 2.5% gross p.a. fixed
    Monthly payment: £10-£75
    Miss any payments: Yes, miss as many as you like, no penalties
    Penalty-free withdrawals: No, and no withdrawals prior to maturity
    Age of applicant: 15 years or younger
    How to open account: Branch only

    Mansfield BS Regular Savings (Issue 4)

    Interest rate: 2.25% gross p.a. variable from 19th September 2016
    Monthly payment: £25-£250
    Miss any payments: Yes, as long as you do not miss payments for two consecutive months
    Penalty-free withdrawals: Yes, two withdrawals per calendar year (1st January to 31st December)
    Age of applicant: 18 years or older
    How to open account: Post or branch
    Special conditions: Closure is subject to the loss of 90 days interest on the closing balance if 2 or more withdrawals have been made in the same year. Interest rate drops after 12 months.
    Available to savers resident in Nottinghamshire, Derbyshire or South Yorkshire or existing members who have a minimum of 1 year continuous membership.

    West Bromwich BS Adult's Fixed Rate Regular Saver (Issue 4)

    Interest rate: 2% gross p.a. fixed
    Monthly payment: £10-£100
    Miss any payments: Yes, miss as many as you like, no penalties
    Penalty-free withdrawals: No, and no withdrawals prior to maturity
    Age of applicant: 16 years or older
    How to open account: Branch only


    Principality BS Regular Saver Bond (Issue 17)

    Interest rate: 2% gross p.a. fixed
    Monthly payment: £20-£500
    Miss any payments: Yes, miss as many as you want
    Penalty-free withdrawals: No. You can close the account early but all interest will then be paid at the bottom tier of the Instant Access account rate.
    Age of applicant: Not stated
    How to open account: Branch and online
    Special conditions: Balance transferred to an Instant Access account at the end of the 12 month term. The terms and conditions say they will write to you with details of that account prior to maturity. It has been reported by lucky77 in this thread that if you try and make a 13th payment then it will be returned to you.

    Cambridge BS Regular Saver (Issue 5)

    Interest rate: 2% gross p.a. fixed
    Monthly payment: £0-£300
    Miss any payments: Yes, miss as many as you like, no penalties
    Penalty-free withdrawals: No withdrawals but the account can be closed early with a 90 day interest penalty
    Age of applicant: Not specified
    How to open account: Branch, phone or post

    Halifax Regular Saver Account

    Interest rate: 2% gross p.a. fixed
    Monthly payment: £25-£250
    Miss any payments: Yes, as many as you like
    Penalty-free withdrawals: No withdrawals but early closure is permitted
    Age of applicant:
    Aged 16 years old or older
    How to open account: Branch, online or phone
    Special conditions: Money held in a Regular Saver counts towards the £5,000 total balance you need to hold in qualifying accounts to be eligible for the Halifax Savers Prize Draw. As part of your Regular Saver application Halifax will also open an Everyday Saver at the same time, currently paying 0.25%gross/AER variable for 12 months. After 12 months, any money you have saved into your Regular Saver along with interest accrued will be transferred into the Everyday Saver account and your Regular Saver will continue for another period of 12 months at the interest rate applicable at the time.

    Triodos Bank Fixed Regular Saver

    Interest rate: 1.75% gross p.a. / 1.76% gross AER fixed rate
    Monthly payment: £25-£500
    Miss any payments: No
    Penalty-free withdrawals: Two per year but they require 33 days' notice
    Age of applicant:
    Not stated

    How to open account: Online
    Special conditions: Deposit protection is by the Dutch protection scheme, not FSCS. Only one payment per month allowed and must be money new to Triodos (i.e. not a transfer from another Triodos account). One account per person including one in joint names.

    Dudley BS One Year Regular Saver (Issue 4)

    Interest rate: 1.5% gross p.a. variable from 26th May 2016
    Monthly payment: £0-£500
    Miss any payments: Yes, as many as you like
    Penalty-free withdrawals: No, but you can close the account early without penalty
    Age of applicant: Over the age of 21
    How to open account: Branch or post

    Special conditions: UK residents. You cannot open this account if you have any other regular saver account with Dudley BS.

    Last edited by Special_Saver2; 13-11-2017 at 12:27 AM.
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:36 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    • #5
    • 27th Nov 07, 10:36 PM
    • #5
    • 27th Nov 07, 10:36 PM
    Matures After 12 Months, Requires Another Account

    First Direct Regular Saver Account

    Interest rate: 5% gross p.a. fixed
    Monthly payment: £25-£300
    Miss any payments: No
    Penalty-free withdrawals: No, you can close the account early with all interest paid at their standard variable Saving Account interest rate
    Age of applicant: Not stated
    How to open account: Online or by telephone
    Special conditions: If you pay in less than £300 per month then you can make up the extra amount in future months - your maximum balance goes up by £300 per month. You must hold a First Direct 1st Account for as long as you hold this account. The 1st Account costs £10 a month, but it is free in certain circumstances - when you pay in at least £1,000 per month, maintain an average balance of £1,000 or hold a selected first direct additional product. As discussed in posts 1484 and 1488 of this thread (page 75), you can open up a new regular saver account online or by telephone as soon as the old one has matured. The matured account will still appear on the online banking on maturity day, but you will be able to apply for a new Regular Saver on the same day within internet banking. If you deposit £300 per month then First Direct say that your interest should be about £117 gross (£93 net).

    HSBC Regular Saver

    Interest rate: 5% gross p.a. fixed rate but only available if you have a HSBC Premier or Advance account
    Monthly payment: £25-£250
    Miss any payments: Yes, you can cancel and resume your standing order whenever you wish
    Penalty-free withdrawals: No, but you can close the account early (with interest paid at a lower rate for the entire term - paid at the standard Flexible Saver interest rate)
    Age of applicant: Same age as whichever current account is opened at the same time (which is age 16, 17 or 18 depending on the current account chosen)
    How to open account: In branch, online or telephone
    Special conditions: Must hold a current account with HSBC and the standing order must come from that account. If you pay in less than £250 per month then you can make up the extra amount in future months - your maximum balance goes up by £250 per month. For a version of this account which requires a current account that does not have a fee, see below. You may also have difficulty opening this account if you do not have a regular income - see page 85 of this thread. Advance account now available free of charge - see post 2895.

    Marks and Spencer Bank Monthly Saver

    Interest rate: 5% gross p.a. fixed
    Monthly payment: £25-£250
    Miss any payments: Yes, and you can make up any missing payments later
    Penalty-free withdrawals: No withdrawals but you can close the account early (with interest paid at a lower rate)
    Age of applicant: Not stated

    How to open account: Online or telephone
    Special conditions: Must also open a M&S Current Account. From 6th April 2016 you will also need to switch a current account to M&S and have two active direct debits in order to be able to open this account. For the practicalities of doing this and making the first deposit for the Monthly Saver account, see post 3000 onwards (pages 150 - 152) of this thread. You cannot bring forward the day of the month for the standing order although ernie-money reports it is possible (see posts 3410, 3411 and 3413 on page 171 of this thread).


    Nationwide BS Flexclusive Regular Saver

    Interest rate:
    5% gross p.a. variable from 13th July 2017
    Monthly payment: £1-£250
    Miss any payments: There are no stated penalties for any missed payments
    Penalty-free withdrawals: Yes, as many as you like
    Age of applicant: Age 18 years old or older
    How to open account: Online or in branch
    Special conditions: You must have a FlexOne or FlexAccount current account and have paid in £750 or more per month for the last 3 months or switched in the last 4 months using their switching service. Alternatively, you need to have a FlexDirect or FlexPlus account. You may have one Nationwide Regular Saver account or Flexclusive Regular Saver account. This can be held in sole or joint names.

    Santander Regular eSaver (Issue 6)

    Interest rate:
    3-5% gross p.a. fixed
    Monthly payment: £0-£200
    Miss any payments: Yes, but any missed payments cannot be made up at a later date
    Penalty-free withdrawals: Yes, as many as you like
    Age of applicant: Age 16 years old or older
    How to open account: Branch or online
    Special conditions: You must be a Santander current account holder and be a Santander 123 World or Santander Select member to earn the 5% interest rate, otherwise you will earn the 3% interest rate. The account month starts on the day that you open the account, e.g. if you open the account on the 16th of the month then the account will run from the 16th of one month to the 15th of the next month. Deposits must be made by standing order from your Santander current account. Y
    ou cannot open this account if you currently have another regular savings account with Santander.

    HSBC Regular Saver

    Interest rate: 3% gross p.a. fixed rate
    Monthly payment: £25-£250
    Miss any payments:
    Yes, you can cancel and resume your standing order whenever you wish
    Penalty-free withdrawals:
    No, but you can close the account early (with interest paid at a lower rate for the entire term - paid at the standard Flexible Saver interest rate)
    Age of applicant: Same age as whichever current account is opened at the same time (which is age 16, 17 or 18 depending on the current account chosen)
    How to open account: In branch, online or telephone
    Special conditions: You must open a "Bank Account" account (which does not charge a fee but requires £500 per month funding unless you are aged under 24), Bank Account Pay Monthly or a Graduate Bank Account.
    If you pay in less than £250 per month then you can make up the extra amount in future months - your maximum balance goes up by £250 per month.You may also have difficulty opening this account if you do not have a regular income - see page 85 of this thread.


    Swansea BS Regular Saver Account

    Interest rate: 2.5% gross p.a. variable (updated by me in August 2016)
    Monthly payment: £25-£500
    Miss any payments: No
    Penalty-free withdrawals: Yes, as many as you want.
    Age of applicant: Any age (including parents on behalf of a child)
    How to open account: Branch or post
    Special conditions: Interest paid monthly and must be paid to a different account with Swansea BS. On each anniversary, the account balance will be transferred to another account with Swansea BS. Only available to existing members or residents of Wales.

    Lloyds Bank Club Lloyds Monthly Saver

    Interest rate: 2.5% gross p.a. fixed
    Monthly payment: £25-£400 (forum members in posts on page 163 of this thread think it is possible to make a 13th payment)
    Miss any payments: No stated penalty for missing a payment
    Penalty-free withdrawals: Yes, as many as you like
    Age of applicant: Minimum 18 years old

    How to open account: In branch or online
    Special conditions: Must also open a Lloyds Club current account. In post 3266, numbers123 says it is possible to close this account online upon maturity.

    Cumberland BS Regular Saver (Issue 3)

    Interest rate: 2.05% gross p.a. variable from 1st October 2016
    Monthly payment: £25-£250
    Miss any payments: One per subscription year
    Penalty-free withdrawals:
    One per subscription year

    Age of applicant: Aged 16 years or older (stated on interest rates document)
    How to open account: Branch
    Special conditions: You must have a Cumberland BS current account. Maximum balance £15,000.

    Bank of Scotland Monthly Saver

    Interest rate:
    2% gross p.a. fixed
    Monthly payment: £25-£250
    Miss any payments: Yes, but any missed payments cannot be made up at a later date
    Penalty-free withdrawals: Yes, as many as you like
    Age of applicant: Age 16 years old or older
    How to open account: Online or branch
    Special conditions: You must have a Bank of Scotland current account.

    Lloyds Bank Monthly Saver

    Interest rate:
    2% gross p.a. fixed
    Monthly payment: £25-£250
    Miss any payments: Yes, but any missed payments cannot be made up at a later date
    Penalty-free withdrawals: Yes, as many as you like
    Age of applicant: Age 16 years old or older
    How to open account: Online or branch
    Special conditions: You must have a Lloyds Bank current account.

    TSB Monthly Saver

    Interest rate:
    2% gross p.a. fixed
    Monthly payment: £25-£250
    Miss any payments: Yes, but any missed payments cannot be made up at a later date
    Penalty-free withdrawals: Yes, as many as you like
    Age of applicant: Age 16 years old or older
    How to open account: Online
    Special conditions: You must have a TSB current account.
    Last edited by Special_Saver2; 13-11-2017 at 12:35 AM.
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:37 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    • #6
    • 27th Nov 07, 10:37 PM
    • #6
    • 27th Nov 07, 10:37 PM
    Matures After 12 Months, Requires Another Product (Insurance or Investment)

    Currently no accounts in this category.






    Last edited by Special_Saver2; 25-10-2013 at 10:09 PM.
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:38 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    • #7
    • 27th Nov 07, 10:38 PM
    • #7
    • 27th Nov 07, 10:38 PM
    Matures After Less Than 12 Months

    Leeds BS Regular Saver (Issue 9)

    Interest rate: 2.3% gross p.a. variable from 3rd October 2017

    Monthly payment: £0-£250
    Miss any payments: Yes, and you can make up for missing payments in later months
    Penalty-free withdrawals:
    Yes, you can make one withdrawal provided you leave £50 or more in the account
    Age of applicant: Aged 18 or over
    How to open account: Branch, post, or online, available to all UK residents

    Special conditions: This account matures on 31st October 2018. Maximum total deposits £3,000. You cannot hold an issue 8 and an issue 5, 6, 7 or 8 account simultaneously.


    Virgin Money Regular E-Saver (Issue 8)

    Interest rate: 2.25% gross p.a. fixed

    Monthly payment: £1-£250
    Miss any payments: No stated penalty for missing any payments
    Penalty-free withdrawals:
    Yes, as many as you like
    Age of applicant: Aged 16 or over
    How to open account: Online only, available to all UK residents

    Special conditions: This account matures on 20th December 2018. Maximum total deposits £3,500.


    Virgin Money Regular Saver (Issue 7)

    Interest rate: 2.25% gross p.a. fixed

    Monthly payment: £1-£250
    Miss any payments: No stated penalty for missing any payments
    Penalty-free withdrawals:
    Yes, as many as you like
    Age of applicant: Aged 16 or over
    How to open account: Branch only, available to all UK residents

    Special conditions: This account matures on 1st December 2018. Maximum total deposits £3,250. You may encounter some resistance from branch staff but you can open one of these accounts in addition to the E-Saver account - see posts on pages 233, 234, 235, 236 and 237.
    Last edited by Special_Saver2; 13-11-2017 at 12:07 AM.
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:39 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    • #8
    • 27th Nov 07, 10:39 PM
    • #8
    • 27th Nov 07, 10:39 PM
    Homebuyer Accounts

    Monmouthshire BS First Home Bonus Saver (Issue 2)

    Interest rate:
    4.5% gross p.a. / AER variable (including variable 0.5% non-bonus interest and 4% fixed bonus interest) from 1st March 2017

    Monthly payment: £0-£500
    Miss any payments: Can miss as many payments as you want
    Penalty-free withdrawals:
    Up to four withdrawals are allowed during the year (ending 31 March)
    Age of applicant: Aged 18 years old or older
    How to open account: Branch, online or post but you must have a telephone or face-to-face interview before the account is opened
    Special conditions:
    Maximum balance £6,000 (£12,000 for a joint account). To get the full interest rate you must take out an owner-occupier mortgage with Monmouthshire BS within 5 years of opening this account. Only available to existing members and people who live in the following post codes NP, CF, SA, LD, WR, GL, HR, BS, BA, SN, RG, OX, SY and TA.

    Hanley Economic BS Home Deposit Saver

    Interest rate:
    2.85% gross p.a. / AER variable from 1st September 2016

    Monthly payment: £100-£500
    Miss any payments: Can miss 2 payments per year (1st September to 31st August)
    Penalty-free withdrawals:
    A penalty equivalent to 180 days loss of interest will be applied if the funds be withdrawn for any other reason than for a house deposit
    Age of applicant: Not stated
    How to open account: Branch only
    Special conditions:
    Maximum balance £50,000. Instant access is permitted penalty free providing the funds are withdrawn for a house deposit linked to a mortgage with The Hanley.

    Cumberland BS First Home Saver (Issue 3)


    Interest rate: 2.25% gross p.a. / AER variable
    Monthly payment: £100-£1,500
    Miss any payments: If you miss payments then you will not be eligible for the cashback deal
    Penalty-free withdrawals: Withdrawals are with either 90 days' notice or instant with 90 days' loss of interest (except if you are closing the account in order to purchase a home in which case the account is closed without penalty)
    Age of applicant: Minimum age 16 years old
    How to open account: Branch
    Special conditions: You can earn £250 cashback on one of their mortgages if you hold this account for at least 6 months. You need to have a Cumberland BS current account. If you miss 2 or more payments then this account will be closed.
    Last edited by Special_Saver2; 14-10-2017 at 6:51 PM.
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:41 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    • #9
    • 27th Nov 07, 10:41 PM
    • #9
    • 27th Nov 07, 10:41 PM
    Best Feeder Accounts

    These are accounts where you can leave a large lump sum and drip feed the money into your regular savers each month. Certain accounts are not listed here as they cannot transfer money directly to regular savings accounts. The accounts listed below can do this.

    Nationwide FlexDirect Account


    Paying 5% fixed for 12 months on £2,500. This is a current account. You need to pay in £1,000 per month. Note that posters on pages 225 and 226 of this thread have informed us that despite the terms and conditions of this account, they have been able to continue getting 5% on this account after 12 months by downgrading and upgrading the account.

    TSB Classic Plus Account

    Paying 3% variable on £1,500 from 4th January 2017. This is a current account. You need to pay in £500 per month.

    Bank of Scotland Current Account with Vantage Option

    Paying 3% on £3,000-£5,000, 2% on £1,000-£2,999.99, 1.5% on £1-£999.99 from 27th June 2011. You have to pay in £1,000 per month, maintain a credit balance and pay out 2 direct debits. From 11th June 2017, the interest rate will be 2% on £1 - £5,000, as announced by Martin here. Although this is a current account, some people have been opening multiple accounts, transferring £1,000 around between the accounts and effectively using these accounts as savings accounts. There are several threads on this subject, e.g. see this thread.

    Tesco Bank Current Account


    Paying 3% on up to £3,000 from 10th June 2014. Collect Tesco Clubcard points by using your debit card with this account. You can open two of these accounts. You need to pay in £750 per month and have 3 active direct debits. Interest rate of 3% guaranteed until 1st April 2019.

    Lloyds Bank Club Lloyds Current Account

    Paying 2% variable on balances from £1 to £5,000 from 8th January 2017. The interest rate applies to your whole balance up to £5,000. No interest is paid on amounts over £5,000. Each year, you also get annual Gourmet Society membership or 6 Vue cinema tickets or annual magazine subscription from a list of 14 printed or digital titles. You have to pay in £1,500 per month and pay out 2 direct debits per month.

    Santander 123 Current Account

    Costs £5 per month but pays 1.5% from 1st November 2016 if you have a balance up to £20,000 and pays 1% cashback on water and council tax bills, 2% cashback on gas and electricity bills, and 3% cashback on mobile phone, landline, broadband and paid-for TV packages
    Last edited by Special_Saver2; 29-05-2017 at 1:04 PM.
    • Special_Saver2
    • By Special_Saver2 27th Nov 07, 10:42 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    This post is reserved for possible future use.
    Last edited by Special_Saver2; 06-12-2015 at 1:23 PM.
  • Old Slaphead
    Best Feeder Accounts


    Coventry First Account

    Paying 6.35% gross p.a. variable (from August 2007) including first year introductory bonus of 0.85% p.a. Requires £1,000 per month to be paid in. Money Saver mary reports that you cannot close and re-open the account to get another first year bonus unfortunately - it is a once-in-a-lifetime bonus.
    Originally posted by Special_Saver2
    Watch out on this account. Tho' it's promoted as £1000pm its actually £1000 during the 6 weeks prior to your statement date!

    Depending on your statement date this means that, theoretically you could pay in £1000 in 2 consecutive calendar months and get a penal interest rate (approx 0.5%) OR you could pay in £0 in a calendar month and still get the full 6.35% for that month!!

    The "£1000 in 6 weeks prior to statement date" is hidden away in the T&Cs.
    • bristolleedsfan
    • By bristolleedsfan 28th Nov 07, 1:44 PM
    • 7,460 Posts
    • 9,622 Thanks
    bristolleedsfan
    Watch out on this account. Tho' it's promoted as £1000pm its actually £1000 during the 6 weeks prior to your statement date!

    Depending on your statement date this means that, theoretically you could pay in £1000 in 2 consecutive calendar months and get a penal interest rate (approx 0.5%) OR you could pay in £0 in a calendar month and still get the full 6.35% for that month!!

    The "£1000 in 6 weeks prior to statement date" is hidden away in the T&Cs.
    Originally posted by Old Slaphead


    this is how the post on the subject was made on r-points on 17th november.


    funtimefrankie
    Gifted



    Joined: 11 Apr 2006
    Posts: 437

    Posted: 17 Nov 2007 15:55 Post subject: BEWARE THE COVENTRY FIRST ACCOUNT

    If you're looking for good catches - try the Coventry First.

    You think you're supposed to pay in £1000pm to get 6.35% interest ? - Well no, actually you have to pay in £1000 during the 6 weeks before statement date. My statement is 19th of month - therefore, using October as example I have to pay in £1000 between 7th Sept and 19th Oct to qualify for 6.35%.

    I actually paid in money on 6th Sept and 20th Oct and qualified for 0.5% interest in October !!!!!

    Using the Coventry method, it's both pssible to pay in £1000 in 2 consecutive calendar months (as I did) and only get 0.5% interest, conversley, it's possible to pay in nothing in a calendar month and still get 6.35%.

    Is THAT weird or what !
  • Old Slaphead
    What's weird about that?
  • RayWolfe
    Well done SS2, you're a star.
    • bristolleedsfan
    • By bristolleedsfan 28th Nov 07, 6:30 PM
    • 7,460 Posts
    • 9,622 Thanks
    bristolleedsfan
    What's weird about that?
    Originally posted by Old Slaphead
    was complete post quoted from R-Points, i didnt add quotation marks because i stated it to be a quote, i didnt link the post as people need 2 log in to read the mutual posts on R-points in probability.
    • baby_boomer
    • By baby_boomer 28th Nov 07, 7:00 PM
    • 3,771 Posts
    • 5,383 Thanks
    baby_boomer
    These accounts currently seem a good home for most of your savings - especially the ones with high fixed interest rates.

    I'll have all of my spare cash in these accounts by April 2008.
    Last edited by baby_boomer; 28-11-2007 at 7:05 PM.
    • Special_Saver2
    • By Special_Saver2 28th Nov 07, 11:38 PM
    • 1,088 Posts
    • 3,670 Thanks
    Special_Saver2
    Thanks Old Slaphead and bristolleedsfan, I have incorporated your information on the 6 weeks rule for the Coventry First account into post 7.
  • Afahmaep
    This is a list of how my use of Regular Saver Accounts is producing pretty favourable returns. This will be the state of play by mid December. Twenty nine (29) currently on the go earning about 7.40% GROSS on a £55,700 total with £8350 deposited in December. The Monmouthshire BS at the bottom will probably be emptied down to £250 (I won't close it as it is a carpetbagging account) if a 7% Bond comes along.
    I also hope to grab the 10% Abbey Saver in December as I recently opened an Abbey 8% Current Account (used as one of my RS feeders) and possibly the First Direct 8% but I don't have high hopes as I already have the HSBC one.
    For those who are wondering how these are funded the answer is in maturing Regular Savers combined with my modest wages.
    In December I have a Derbyshire RS maturing (£3000 plus interest) and also the Ipswich RS2 (£3250 plus interest). This money (£6250 plus interest) will be used towards the January payments (estimated to be £7500).
    Likewise in January I have an Abbey RS £3000 and Yorkshire BS £3600 maturing (£6600 plus interest) to be used towards for the February payments, (again estimated to be £7500).
    Now the Estimated Interest column is what I use to show the overall gain if all the money was allowed to stay in for a WHOLE year. The money doesn't stay in for the WHOLE year as it is DRIP-FED in. but does give a very accurate snapshot of what the money is earning WHILE IT IS IN A REGULAR SAVER. This is the method I use to work out the overall percentage of all the Regular Savers combined.
    [html] DECEMBER 2007
    Current Monthly Estimated
    RATE BS/BANK Holding Deposit Interest
    1 8.25% Loughborough £2500 £250 £206.25
    1 8.10% West Brom £3000 £1000 £243.00
    1 8.00% Lloyds £5000 £250 £400.00
    1 8.00% HSBC £1750 £250 £140.00
    1 8.00% Chorley £2250 £250 £180.00
    1 7.60% Ipswich RS2 £3250 £250 £228.00 (13 payments permitted)
    8 7.55% Skipton £6000 £2000 £453.00 (7 Specials and 1 Xmas Saver)
    1 7.50% Britannia RS2 £500 £250 £37.50
    1 7.50% Chorley Gall £250 £250 £18.75
    1 7.50% Leek £2750 £250 £206.25
    2 7.25% Abbey 6&7 £3500 £500 £253.75
    2 7.15% Ipswich RS3 £4000 £500 £286.00
    1 7.10% Yorkshire BS £8200 £500 £582.30
    1 7.05% Yorkshire BS £3600 £100 £253.80 (3yr. Mine matures Jan 2008)
    1 7.00% Bath BS £3750 £250 £192.50
    1 7.00% Principality £1000 £500 £70.00
    1 7.00% Halifax £500 £250 £35.00 (now in 4th year)
    1 6.80% Scarborough £1500 £250 £102.00 (was £6K. Withdrew £5K )
    1 6.75% Nationwide £1750 £250 £118.13
    1 6.70% Monmouthshire £2800 £250 £187.60
    29 7.40% £55700 £8350 £4263.73
    [/html]
    Old Saying Once bitten twice shy
    Modern Saying Once Sh*t on Twice Bye!
    • bristolleedsfan
    • By bristolleedsfan 29th Nov 07, 7:47 AM
    • 7,460 Posts
    • 9,622 Thanks
    bristolleedsfan
    [html] DECEMBER 2007
    Current Monthly Estimated
    RATE BS/BANK Holding Deposit Interest
    1 8.25% Loughborough £2500 £250 £206.25
    [/html]
    Originally posted by Afahmaep
    only one loughborough reg saver + :rolleyes: :rolleyes: :rolleyes:
  • Afahmaep
    Yes .ONLY 1!. Particularly annoying as it is a 2 year saver and I was the OP on the Loughborough BS thread.
    Old Saying Once bitten twice shy
    Modern Saying Once Sh*t on Twice Bye!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

167Posts Today

2,250Users online

Martin's Twitter
  • I believe I can boldly go where no twitter poll has gone before https://t.co/HA0jC92gAK

  • OK I'm wilting to public pressure and there will be a star trek captain's poll at some point next week

  • I can get that. My order is 1. Picard 2. Janeway 3. Kirk. Too early to say where Lorca will end up (or would you? https://t.co/kawtCOe9RA

  • Follow Martin