Regular Savings Accounts: The Best Currently Available List!

polymaff

Bobblehat wrote: »

Thanks Airliebird .....I see, I think! Are they saying if you open the account on 1st Jan, but not deposit anything until 15th of Jan (£100), you'd have £15 interest on the next 1st Jan?

Depends upon when you make the other payments.

Bobblehat wrote: »

Just to make sure I have the hang of this ... If I open the account on 15th Jan and make the first deposit (£100) on 15th Jan, then after a year on the next 15th Jan I would get £16.25/£16.19?

The guideline for a regular saver funded regularly from day one is that the interest actually earned is 13/24 times the advertised rate.

13/24 times 0.025 times £1200 equals £16.25

Bobblehat

ffanks polymaff

I was darn close with £16.25 then! I don't know why, but the BOS RS sounds just that bit better at £16.25 than at £15 ...... even £16.19 is not bad :whistle:

Mee

Re: Lloyds CL c/a and MS
Not yet as it is one I plan to keep as long as free cinema tickets are available.
Good to know how others get on...

Special_Saver2

Hi Everybody,

Here is this weekend's update. I have checked every account on the first page of this thread and found the following changes.

- Progressive BS Clockwork Regular Saver Issue 2 interest rate increased by 0.1% to 1.6%
- Chorley BS Children's Regular Saver interest rate increased by 0.25% to 2.25%
- Halifax Kids' Regular Saver interest rate increased by 0.5% to 4.5%
- Halifax Regular Saver interest rate increased by 0.5% to 2.5%
- Lloyds Bank Club Lloyds interest rate increased by 0.5% to 3%
- Cumberland BS Regular Saver (issue 3) interest rate increased by 0.5% to 2.3%
- Bank of Scotland Monthly Saver interest rate increased by 0.5% to 2.5%
- Lloyds Bank Club Lloyds interest rate increased by 0.5% to 2.5%
- Leeds BS Regular Saver (Issue 9) replaced with issue 10 paying 0.25% higher at 2.55%
- Hanley Economic BS Home Deposit Saver interest rate increased by 0.1% to 2.95%
- Cumberland BS Regular Saver (Issue 3) account interest rate increased by 0.25% to 2.3%

I will do another update the weekend after next.

SS2

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For those new to this thread, the first few posts are constantly updated and are here

mgarl10024

Special_Saver2 wrote: »

- Lloyds Bank Club Lloyds interest rate increased by 0.5% to 3%
- Lloyds Bank Club Lloyds interest rate increased by 0.5% to 2.5%

Great work Special_Saver2.

I think the second one is supposed to not have the 'club' bit.

Incidentally, if someone has the club monthly saver, can they at the same time have a monthly saver?

YorkshireBoy

mgarl10024 wrote: »

Incidentally, if someone has the club monthly saver, can they at the same time have a monthly saver?

Yes they can.

eastofeden

What about holding both a Halifax RS and a BOS RS? When I log into my Halifax account and try to open a BOS RS it tells me that this product is not available to me ( I have a Halifax RS).
I’ve looked in T’s and C’s but can’t find anything about not holding both?

Big_W

eastofeden wrote: »

What about holding both a Halifax RS and a BOS RS? When I log into my Halifax account and try to open a BOS RS it tells me that this product is not available to me ( I have a Halifax RS).
I’ve looked in T’s and C’s but can’t find anything about not holding both?

Both I and my wife have both. I assume the problem is with trying to open a BOS account from the Halifax website, even though both banks products are visible.

Steve_xx

eastofeden wrote: »

What about holding both a Halifax RS and a BOS RS? When I log into my Halifax account and try to open a BOS RS it tells me that this product is not available to me ( I have a Halifax RS).
I’ve looked in T’s and C’s but can’t find anything about not holding both?

Try logging into the BoS site and see if it'll allow you to open one.

YorkshireBoy

eastofeden wrote: »

What about holding both a Halifax RS and a BOS RS? When I log into my Halifax account and try to open a BOS RS it tells me that this product is not available to me ( I have a Halifax RS).
I’ve looked in T’s and C’s but can’t find anything about not holding both?

I assume you have a BoS current account? If so, then apply from within your BoS online area. If you've never registered, try your Halifax log in details...as they work for me.