Regular Savings Accounts: The Best Currently Available List!

Rawrzy

TheWoodler said:

I’ve reported the glitch with the Tipton app. I’ve found it’s unresponsive the first time, needs to be dismissed, login again, and it works. See if that happens to you as well. 

I had this too, yeah. When I first needed to input the ID I had to completely close it and re-open/re-login. I've not had any issues with it since then though to be honest. My only minor annoyance is it usually takes a day for any deposit to show up in it.

OneUser1

chris_the_bee said:

OneUser1 said:

Has anyone here, with one of the Bath Regular Savers, managed to re-register for on-line access? I had it before but now cannot re-register on-line or even through the app. Tried emailing Bath for help but haven’t had a reply. Wondered whether anyone else was having problems.

Yes finally achieved it after several attempts and waiting an age for the OTP to arrive. It is rather complex, so keep at it. Who knows why they changed from the old system. It was not broken and was much easier to navigate and use.

Chris the bee I finally managed to get into the app. It told me my account number was wrong and it was rejecting me… Then let me in anyway. But I’ve logged in and out a few times and sometimes it shows my regular saver, other times it tells me I have no accounts. It’s dropped my nominated bank account details but won’t load the page to let me provide the details again. Either I am having bad luck or anyone applying for a brand new account is going to have fun.

chris_the_bee

OneUser1 said:

chris_the_bee said:

OneUser1 said:

Has anyone here, with one of the Bath Regular Savers, managed to re-register for on-line access? I had it before but now cannot re-register on-line or even through the app. Tried emailing Bath for help but haven’t had a reply. Wondered whether anyone else was having problems.

Yes finally achieved it after several attempts and waiting an age for the OTP to arrive. It is rather complex, so keep at it. Who knows why they changed from the old system. It was not broken and was much easier to navigate and use.

Chris the bee I finally managed to get into the app. It told me my account number was wrong and it was rejecting me… Then let me in anyway. But I’ve logged in and out a few times and sometimes it shows my regular saver, other times it tells me I have no accounts. It’s dropped my nominated bank account details but won’t load the page to let me provide the details again. Either I am having bad luck or anyone applying for a brand new account is going to have fun.

Email from Bath Building Society:-

"I’m pleased to hear that you managed to register and login. Apologies for the inconvenience caused. We are certainly taking all member feedback on board to ensure that amendments are swiftly built into future upgrades.

 The old Bath Online portal will be switched off tomorrow (Friday) at midday."

Good luck folks.

Bazzalona13295

10_66 said:

Bazzalona13295 said:

Is anyone else having trouble with the Tipton app? Firstly the Postal ID took almost 10 days to arrive (not the Tipton's fault) but the app either fails, blocks me or is on maintenance.

And whenever the app is on/available my phone becomes non responsive everywhere else - Chrome etc.

I've rang the branch and they say it shouldn't be under maintenance.

If it was an 8% saver I'd be more inclined to stick at it........what a pavlova 😬

I downloaded the app yesterday with the intention of opening the Reg Saver but it wasn’t showing within the app. I rang to check and it was removed from app at the beginning of the week, branch only now .

That would have suited me better as its local to me. I'll give it another go tomorrow then ring up/visit if necessary.

happybagger

Widely trailed on here, Stafford Railway BS now confirmed RS at 5.15% from 1 October 2023
SRBS website

ryaneberry

Altior said:

zagfles said:

Altior said:

I suspect some people are looking at it the wrong way. The '13th' payment is irrelevant. What is relevant is that if you used the workaround, you're effectively pulling forward the remaining payments after the first one, by almost a month. The overall 'effect' of that is similar to having a bonus payment at the beginning. 

The question for me would be is that risking the potential wrath of Nationwide. Almost certainly not, but the modest upside isn't worth the risk, even if it's a well worn tactic. 

Seriously? It's using the account the way it's designed to be used! NW have always done RS accounts like this, inc their "start to save" accounts. They are fully aware that nearly everyone will have 13 calendar months to increase their balance and that the second payment could be the day after the first if opened at the end of the month.

If they didn't like people doing this they'd have similar T&Cs to Santander where a "month" starts on the date the account is opened. 

There are some uber MSE ways of expoliting bank offers, such as using the NatWest "round up" facility to make hundreds of £1.01 debit card payments, that could well incur "wrath". But paying in £200 every calendar month to an account that allows £200 every calendar month? Nah...

I'm not sure if you read through what I wrote, that was the question for me. I also wrote, almost certainly it would not [be a problem]. I feel it is self evident that the account is not designed to be used that way, as it discusses the total interest over the period in the terms, and this would not include using the workaround of 13 payments.

People can do whatever they like, nudge any grey areas and potential loopholes they see fit. I do so myself, but the rather modest gain on this one doesn't justify any perceived risk to me of losing access to all of Nationwide's products and profit distribution.

To be clear, I have over £50K in stoozing funds, and about 20% is from Nationwide. So I am already funding this new account with their own capital  

£1.01 payments?! Those are rookie numbers, my council takes £0.01 payments for council tax... 500 payments in a couple months were made before I got bored

jd84

10_66 said:

Bigwheels1111 said:

 I just set up a standing order to Nationwide from my bank and then one in nationwide to pay it.
I do this for all my regular savers.

Just in case you may have missed this, and it might be that you prefer to have your standing order going into the N'wide regular saver via your N'wide current account, but you don't need to do this, you can just have a standing order directly from your "outside" current account.  I think they had used to require standing orders from their current accounts, but I can't see they stipulate it now.

Just catching up on recent posts.

It's also beneficial to pay in via their current account as it could help you qualify for a future 'fairer share' payment, and the internal standing orders transfer over weekends and bank holidays, netting a few days extra interest

Bazzalona13295

So........finally got into the Tipton app (still clogs my phone up terribly but I can uninstall till I next use it) - come to do my first payment, put all the details in, not only does it say the details don't match but its a Barclays account.

Is this right?

gt94sss2

Bazzalona13295 said:

So........finally got into the Tipton app (still clogs my phone up terribly but I can uninstall till I next use it) - come to do my first payment, put all the details in, not only does it say the details don't match but its a Barclays account.

Is this right?

Yes, the bank account is in the name of the building society and it's a business account as far as the confirmation of payee scheme is concerned.

You need to use your account number as the reference number

----

The sort code and account number for your savings account can be found inside the cover of your passbook and stated below:

Sort Code: 20-27-33

Account Number: 70885096

Reference: Your personal account number which is located on the inside cover of your passbook.
----

WillPS

ryaneberry said:

Altior said:

zagfles said:

Altior said:

I suspect some people are looking at it the wrong way. The '13th' payment is irrelevant. What is relevant is that if you used the workaround, you're effectively pulling forward the remaining payments after the first one, by almost a month. The overall 'effect' of that is similar to having a bonus payment at the beginning. 

The question for me would be is that risking the potential wrath of Nationwide. Almost certainly not, but the modest upside isn't worth the risk, even if it's a well worn tactic. 

Seriously? It's using the account the way it's designed to be used! NW have always done RS accounts like this, inc their "start to save" accounts. They are fully aware that nearly everyone will have 13 calendar months to increase their balance and that the second payment could be the day after the first if opened at the end of the month.

If they didn't like people doing this they'd have similar T&Cs to Santander where a "month" starts on the date the account is opened. 

There are some uber MSE ways of expoliting bank offers, such as using the NatWest "round up" facility to make hundreds of £1.01 debit card payments, that could well incur "wrath". But paying in £200 every calendar month to an account that allows £200 every calendar month? Nah...

I'm not sure if you read through what I wrote, that was the question for me. I also wrote, almost certainly it would not [be a problem]. I feel it is self evident that the account is not designed to be used that way, as it discusses the total interest over the period in the terms, and this would not include using the workaround of 13 payments.

People can do whatever they like, nudge any grey areas and potential loopholes they see fit. I do so myself, but the rather modest gain on this one doesn't justify any perceived risk to me of losing access to all of Nationwide's products and profit distribution.

To be clear, I have over £50K in stoozing funds, and about 20% is from Nationwide. So I am already funding this new account with their own capital  

£1.01 payments?! Those are rookie numbers, my council takes £0.01 payments for council tax... 500 payments in a couple months were made before I got bored

There's a good chance that this pursuit for a tiny bit more interest has cost your local council considerably more than the £5 you have paid them. Have a think about that next time there's a local service you wish was better.