The Top Easy Access Savings Discussion Area

SaverRate

colsten said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

.... TSB Monthly Saver at 2% but thats only for Classic Plus account holders. 

The TSB Monthly Saver is available to holders of any TSB current account.

There are also a number of Monthly (Regular) Savers with better than 2% interest rates https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list

Yes but all of the others have a penalty to withdraw, those two don’t!

If it's withdrawal penalties you are worried about, there are several other 2% ones, and at least one 2.5% one, which allow penalty-free withdrawals.

Could you elaborate on these providers please?

Wheres_My_Cashback

HarryDavies01 said:

colsten said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

.... TSB Monthly Saver at 2% but thats only for Classic Plus account holders. 

The TSB Monthly Saver is available to holders of any TSB current account.

There are also a number of Monthly (Regular) Savers with better than 2% interest rates https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list

Yes but all of the others have a penalty to withdraw, those two don’t!

If it's withdrawal penalties you are worried about, there are several other 2% ones, and at least one 2.5% one, which allow penalty-free withdrawals.

Could you elaborate on these providers please?

You could just click on the link provided by Colsten and quoted by yourself ;-)

SaverRate

Wheres_My_Cashback said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

.... TSB Monthly Saver at 2% but thats only for Classic Plus account holders. 

The TSB Monthly Saver is available to holders of any TSB current account.

There are also a number of Monthly (Regular) Savers with better than 2% interest rates https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list

Yes but all of the others have a penalty to withdraw, those two don’t!

If it's withdrawal penalties you are worried about, there are several other 2% ones, and at least one 2.5% one, which allow penalty-free withdrawals.

Could you elaborate on these providers please?

You could just click on the link provided by Colsten and quoted by yourself ;-)

Actually prior to my post I have already looked through the link. I went through 4 pages of the link and it wasnt much help!

Wheres_My_Cashback

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

.... TSB Monthly Saver at 2% but thats only for Classic Plus account holders. 

The TSB Monthly Saver is available to holders of any TSB current account.

There are also a number of Monthly (Regular) Savers with better than 2% interest rates https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list

Yes but all of the others have a penalty to withdraw, those two don’t!

If it's withdrawal penalties you are worried about, there are several other 2% ones, and at least one 2.5% one, which allow penalty-free withdrawals.

Could you elaborate on these providers please?

You could just click on the link provided by Colsten and quoted by yourself ;-)

Actually prior to my post I have already looked through the link. I went through 4 pages of the link and it wasnt much help!

Did you read Page 1, all the info you require is there.

murphydavid

twitterers said:

So I have around 12k I want to put into a savings account and I think the drip method is the best so:

1. I opened a sage saving account yesterday with easy access and put 10k into there from my halifax current account
2. I now need to open a regular savings account which I can then drip feed money into however it has to be a UK current account linked to the sage account

Any ideas on what to do?

I presume Saga not Sage.
Point 2 is not consistent english in that a regular savings account can't be a linked current account but I get the drift.
IMO to maximise interest you should.
First open as many regular savers as you can with multiple banks that pay good interest bearing in mind the amount you have available. Then set up DDs in your Halifax current account to pay the maximum allowed into each of the regular savers each month.  
As you can't set up a DD within a savings account you will need to move money manually from the Saga account once a month into the Halifax to cover the money they will be paying on the DDs. It will be most important that you don't forget this once a month manual transfer or you will go overdrawn and loose more than the interest you will earn. This is a risk but nothing is risk free.
That about covers what I think you are asking. It's a lot of work initially and will probably have to be repeated in a years time which is another date you will need to monitor. 

SaverRate

Wheres_My_Cashback said:

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

.... TSB Monthly Saver at 2% but thats only for Classic Plus account holders. 

The TSB Monthly Saver is available to holders of any TSB current account.

There are also a number of Monthly (Regular) Savers with better than 2% interest rates https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list

Yes but all of the others have a penalty to withdraw, those two don’t!

If it's withdrawal penalties you are worried about, there are several other 2% ones, and at least one 2.5% one, which allow penalty-free withdrawals.

Could you elaborate on these providers please?

You could just click on the link provided by Colsten and quoted by yourself ;-)

Actually prior to my post I have already looked through the link. I went through 4 pages of the link and it wasnt much help!

Did you read Page 1, all the info you require is there.

Due to the rate cuts these are all outdated 

Wheres_My_Cashback

murphydavid said:

twitterers said:

So I have around 12k I want to put into a savings account and I think the drip method is the best so:

1. I opened a sage saving account yesterday with easy access and put 10k into there from my halifax current account
2. I now need to open a regular savings account which I can then drip feed money into however it has to be a UK current account linked to the sage account

Any ideas on what to do?

I presume Saga not Sage.
Point 2 is not consistent english in that a regular savings account can't be a linked current account but I get the drift.
IMO to maximise interest you should.
First open as many regular savers as you can with multiple banks that pay good interest bearing in my the amount you have available. Then set up DDs Standing Orders in your linked current account to pay the maximum allowed into each of the regular savers each month.  
As you can't set up a DD within a savings account (you can with some savings accounts) you will need to move money manually from the Saga account once a month into the linked current account to cover the money your bank will be paying on the DDs Standing Orders It will be most important that you don't forget this once a month manual transfer or you will go overdrawn and loose more than the interest you will earn. This is a risk but nothing is risk free.
That about covers what I think you are asking. It's a lot of work initially and will probably have to be repeated in a years time which is another date you will need to monitor. 

Edited in Bold

Wheres_My_Cashback

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

.... TSB Monthly Saver at 2% but thats only for Classic Plus account holders. 

The TSB Monthly Saver is available to holders of any TSB current account.

There are also a number of Monthly (Regular) Savers with better than 2% interest rates https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list

Yes but all of the others have a penalty to withdraw, those two don’t!

If it's withdrawal penalties you are worried about, there are several other 2% ones, and at least one 2.5% one, which allow penalty-free withdrawals.

Could you elaborate on these providers please?

You could just click on the link provided by Colsten and quoted by yourself ;-)

Actually prior to my post I have already looked through the link. I went through 4 pages of the link and it wasnt much help!

Did you read Page 1, all the info you require is there.

Due to the rate cuts these are all outdated 

Not wrong as updated every week !

SaverRate

Wheres_My_Cashback said:

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

.... TSB Monthly Saver at 2% but thats only for Classic Plus account holders. 

The TSB Monthly Saver is available to holders of any TSB current account.

There are also a number of Monthly (Regular) Savers with better than 2% interest rates https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list

Yes but all of the others have a penalty to withdraw, those two don’t!

If it's withdrawal penalties you are worried about, there are several other 2% ones, and at least one 2.5% one, which allow penalty-free withdrawals.

Could you elaborate on these providers please?

You could just click on the link provided by Colsten and quoted by yourself ;-)

Actually prior to my post I have already looked through the link. I went through 4 pages of the link and it wasnt much help!

Did you read Page 1, all the info you require is there.

Due to the rate cuts these are all outdated 

Not wrong as updated every week !

Okay well as of today they haven't been updated so as of today they are outdated!

eskbanker

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

Wheres_My_Cashback said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

colsten said:

HarryDavies01 said:

.... TSB Monthly Saver at 2% but thats only for Classic Plus account holders. 

The TSB Monthly Saver is available to holders of any TSB current account.

There are also a number of Monthly (Regular) Savers with better than 2% interest rates https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list

Yes but all of the others have a penalty to withdraw, those two don’t!

If it's withdrawal penalties you are worried about, there are several other 2% ones, and at least one 2.5% one, which allow penalty-free withdrawals.

Could you elaborate on these providers please?

You could just click on the link provided by Colsten and quoted by yourself ;-)

Actually prior to my post I have already looked through the link. I went through 4 pages of the link and it wasnt much help!

Did you read Page 1, all the info you require is there.

Due to the rate cuts these are all outdated 

Not wrong as updated every week !

Okay well as of today they haven't been updated so as of today they are outdated!

Apropos of nothing in particular, anyone know what the limit is for nesting quotes?!  This 50-shades-of-grey effect is starting to look like one of those Magic Eye pictures....