Regular Savings Accounts: The Best Currently Available List!

OneUser1

subjecttocontract said:

Do Tipton & Coseley have online account access ? I can't see anything on their web site to register for it.

They have their App. You need to load that. Allows the usual online access facilities. 

Rawrzy

subjecttocontract said:

Do Tipton & Coseley have online account access ? I can't see anything on their web site to register for it.

You have to download their app and apply for it through the app. They don't seem to have any management of accounts on their website.

SavingsBoo

subjecttocontract said:

Do Tipton & Coseley have online account access ? I can't see anything on their web site to register for it.

They have a (quite basic but functional) app but I think you're right about the lack of online access through a website

subjecttocontract

I don't do apps so, I won't have any access but not a problem. Thanks

Eco_Miser

subjecttocontract said:

wiseonesomeofthetime said:

tg99 said:

Have not always saved copies of my regular saver terms and conditions but have got on my notes that the likes of Skipton, principality, ybs have the max £3k / £6k so no ‘13th payment’ would be allowed. And no 13th for First Direct either. Whereas no limit for Nationwide start to save issue 2 so could do a 25th here. Does the Coventry first home saver allow a 37th payment? Thks 

From the first edition Coventry FHS T&C:

4.3 If you open your account part-way through a month you may still deposit up to £1,000 until the end of that calendar month Likewise if your account term ends part-way through a month you may still deposit up to £1,000 in the final calendar month up until the date your account term ends This means that if you open your account on the 1st of a month your maximum balance is £36,000. If you open your account on any other day of the month your maximum balance is £37,000.

(Bold emphasis, mine)

But that 37th payment is only paying about 15p a day. Not worth getting excited about, is it ?

So with the correct timing, about £4.50 extra then.

@wiseonesomeofthetime's emphasized condition shows that Coventry knows about and expects the 13th/37th payment 'trick', and I'm sure all the other institutions that use calendar months do too.  

Snapdragon

Yorkshire Building Society Loyalty Regular Saver
I'm hoping it will still be available when I become eligible however I'm actually not sure exactly when that will be. You have to have been a member for 12 months and I know when I applied for the Rainy Day account which is my oldest account with them, however I didn't fund it immediately, first deposit was a couple of weeks later. I'm therefore wondering whether the 12 months required for the Loyalty accounts will be from when it was opened or when it was funded and can't see any clues on the account.
Anyone able to advise how I tell when I will become eligible or is it just a 'try applying on the anniversary of opening the RDS' and see what happens? 

pookey

littlemissmoney said:

Is anyone else having issues opening the YBS 7% account (as an existing customer)? I keep getting an error. I have sent them a message but it's the kind of thing MSE forum answers quicker

I managed to open it the first evening it was mentioned in the group and managed to fund it the next day. 

subjecttocontract

Are you sure you've been a member of YBS for at least 1 year ?
I will be posting my application to YBS with a cheque on Thursday cos that's my 1 year membership date. It will be interesting to see how long it takes.

flaneurs_lobster

subjecttocontract said:

Are you sure you've been a member of YBS for at least 1 year ?
I will be posting my application to YBS with a cheque on Thursday cos that's my 1 year membership date. It will be interesting to see how long it takes.

It's not having been a member for a year per se that decides eligibility, it's having had a savings (or mortgage) account open for "at least 12 continuous and consecutive months prior to the date of application". 

subjecttocontract

flaneurs_lobster said:

subjecttocontract said:

Are you sure you've been a member of YBS for at least 1 year ?
I will be posting my application to YBS with a cheque on Thursday cos that's my 1 year membership date. It will be interesting to see how long it takes.

It's not having been a member for a year per se that decides eligibility, it's having had a savings (or mortgage) account open for "at least 12 continuous and consecutive months prior to the date of application". 

I didn't think you could be a member of the YBS without a savings or mortgage product.
Is there a difference ?