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Regular Savings Accounts: The Best Currently Available List!
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I've never had any problems with Gatehouse.francoghezzi said:Just about to send funds to Gatehouse RS (I was thinking of dripfeeding from RBS 6.17% where I have exactly £3600 needed). I have already Nationwide 8%, Fd 7% and Coventry 7% so the Gatehouse RS looks a good match, but I must say I have never heard of this bank and so am in need of a review from someone who had experience with them. Any positive or negative thoughts before I give the green light with my first deposit? Many thanks for your help1 -
It seems you need to have an existing online customer profile and hence need to have opened another product first.Pkman said:Just to confirm, no one found an easy way to open aib rs for new customer???
The current account ('Classic Account'), easy access savings ('Select Account'), ISA ('Cash ISA') and fixed savings ('Fixed Rate Saver' or 'Fixed Term Deposit Account') accounts all require a visit to a branch in NI to open them.
However it does seem that you can apply for a credit card online (https://aibni.co.uk/our-products/credit-cards). There are options to call them or post a printed application form for the 'Options One' and 'Options Two' cards.
There is also a form to register for online service (https://aibni.co.uk/personal-docs/ways-to-bank/online-apply-website.pdf) which asks you to provide a bank account or credit card number (presumably for an AIB account of course!). This would imply that holding a credit card will entitle you to request an online account.
Once you have that online customer profile you should then theoretically be able to apply for the Regular Saver via the online account.
Assuming that getting to a branch in NI is not easy for you it doesn't appear there is a simple method, the above is quite a bit more convoluted than seems reasonable for a 6% variable account.
Happy to be proven wrong though!1 -
Can't think why anyone would want to put a full credit search on their record as an enabler to opening an average RS a/c with an Irish bank where banks are years behind those of Britain. Would anyone really be that desperate?dcs34 said:
It seems you need to have an existing online customer profile and hence need to have opened another product first.Pkman said:Just to confirm, no one found an easy way to open aib rs for new customer???
The current account ('Classic Account'), easy access savings ('Select Account'), ISA ('Cash ISA') and fixed savings ('Fixed Rate Saver' or 'Fixed Term Deposit Account') accounts all require a visit to a branch in NI to open them.
However it does seem that you can apply for a credit card online (https://aibni.co.uk/our-products/credit-cards). There are options to call them or post a printed application form for the 'Options One' and 'Options Two' cards.
There is also a form to register for online service (https://aibni.co.uk/personal-docs/ways-to-bank/online-apply-website.pdf) which asks you to provide a bank account or credit card number (presumably for an AIB account of course!). This would imply that holding a credit card will entitle you to request an online account.
Once you have that online customer profile you should then theoretically be able to apply for the Regular Saver via the online account.
Assuming that getting to a branch in NI is not easy for you it doesn't appear there is a simple method, the above is quite a bit more convoluted than seems reasonable for a 6% variable account.
Happy to be proven wrong though!1 -
If you're not going to be applying for credit within the next year then I see little harm in opening another credit card so that you can get a 6% RS, I know I would, though it has become part hobby to be fair. An AIB credit card would also give you a spare DD for bank switching so could be useful in that respect.Wheres_My_Cashback said:
Can't think why anyone would want to put a full credit search on their record as an enabler to opening an average RS a/c with an Irish bank where banks are years behind those of Britain. Would anyone really be that desperate?dcs34 said:
It seems you need to have an existing online customer profile and hence need to have opened another product first.Pkman said:Just to confirm, no one found an easy way to open aib rs for new customer???
The current account ('Classic Account'), easy access savings ('Select Account'), ISA ('Cash ISA') and fixed savings ('Fixed Rate Saver' or 'Fixed Term Deposit Account') accounts all require a visit to a branch in NI to open them.
However it does seem that you can apply for a credit card online (https://aibni.co.uk/our-products/credit-cards). There are options to call them or post a printed application form for the 'Options One' and 'Options Two' cards.
There is also a form to register for online service (https://aibni.co.uk/personal-docs/ways-to-bank/online-apply-website.pdf) which asks you to provide a bank account or credit card number (presumably for an AIB account of course!). This would imply that holding a credit card will entitle you to request an online account.
Once you have that online customer profile you should then theoretically be able to apply for the Regular Saver via the online account.
Assuming that getting to a branch in NI is not easy for you it doesn't appear there is a simple method, the above is quite a bit more convoluted than seems reasonable for a 6% variable account.
Happy to be proven wrong though!
Regardless though after looking at their credit cards again it appears they're all limited to existing customers, I'd somehow managed to miss that detail when looking the first time so apologies for that. Their credit cards do have a postal application form so quite how strict they are at enforcing this term I do not know but I'd imagine it would be a long shot.0 -
That's a bit dismissive of the 2M people who live in NI, looks like you can run this account via a branch with no need for a current account/hard credit check.Wheres_My_Cashback said:
Can't think why anyone would want to put a full credit search on their record as an enabler to opening an average RS a/c with an Irish bank where banks are years behind those of Britain. Would anyone really be that desperate?dcs34 said:
It seems you need to have an existing online customer profile and hence need to have opened another product first.Pkman said:Just to confirm, no one found an easy way to open aib rs for new customer???
The current account ('Classic Account'), easy access savings ('Select Account'), ISA ('Cash ISA') and fixed savings ('Fixed Rate Saver' or 'Fixed Term Deposit Account') accounts all require a visit to a branch in NI to open them.
However it does seem that you can apply for a credit card online (https://aibni.co.uk/our-products/credit-cards). There are options to call them or post a printed application form for the 'Options One' and 'Options Two' cards.
There is also a form to register for online service (https://aibni.co.uk/personal-docs/ways-to-bank/online-apply-website.pdf) which asks you to provide a bank account or credit card number (presumably for an AIB account of course!). This would imply that holding a credit card will entitle you to request an online account.
Once you have that online customer profile you should then theoretically be able to apply for the Regular Saver via the online account.
Assuming that getting to a branch in NI is not easy for you it doesn't appear there is a simple method, the above is quite a bit more convoluted than seems reasonable for a 6% variable account.
Happy to be proven wrong though!
6% on £500/month is a decent proffer.4 -
Well you've certainly taken that out of context and totally misunderstood !! Current accounts ?flaneurs_lobster said:
That's a bit dismissive of the 2M people who live in NI, looks like you can run this account via a branch with no need for a current account/hard credit check.Wheres_My_Cashback said:
Can't think why anyone would want to put a full credit search on their record as an enabler to opening an average RS a/c with an Irish bank where banks are years behind those of Britain. Would anyone really be that desperate?dcs34 said:
It seems you need to have an existing online customer profile and hence need to have opened another product first.Pkman said:Just to confirm, no one found an easy way to open aib rs for new customer???
The current account ('Classic Account'), easy access savings ('Select Account'), ISA ('Cash ISA') and fixed savings ('Fixed Rate Saver' or 'Fixed Term Deposit Account') accounts all require a visit to a branch in NI to open them.
However it does seem that you can apply for a credit card online (https://aibni.co.uk/our-products/credit-cards). There are options to call them or post a printed application form for the 'Options One' and 'Options Two' cards.
There is also a form to register for online service (https://aibni.co.uk/personal-docs/ways-to-bank/online-apply-website.pdf) which asks you to provide a bank account or credit card number (presumably for an AIB account of course!). This would imply that holding a credit card will entitle you to request an online account.
Once you have that online customer profile you should then theoretically be able to apply for the Regular Saver via the online account.
Assuming that getting to a branch in NI is not easy for you it doesn't appear there is a simple method, the above is quite a bit more convoluted than seems reasonable for a 6% variable account.
Happy to be proven wrong though!
6% on £500/month is a decent proffer./
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Yes for those that live in NI it's no harder to open than a visit to the branch.flaneurs_lobster said:That's a bit dismissive of the 2M people who live in NI, looks like you can run this account via a branch with no need for a current account/hard credit check.
6% on £500/month is a decent proffer.
For those in GB it doesn't seem there is a viable way, I had missed that credit cards were only available to existing customers. I was assuming the requirement for the RS to be funded by an AIB current account wasn't actually enforced as per most other RS providers.2 -
I'll try to explain it to you.Wheres_My_Cashback said:
Well you've certainly taken that out of context and totally misunderstood !! Current accounts ?flaneurs_lobster said:
That's a bit dismissive of the 2M people who live in NI, looks like you can run this account via a branch with no need for a current account/hard credit check.Wheres_My_Cashback said:
Can't think why anyone would want to put a full credit search on their record as an enabler to opening an average RS a/c with an Irish bank where banks are years behind those of Britain. Would anyone really be that desperate?dcs34 said:
It seems you need to have an existing online customer profile and hence need to have opened another product first.Pkman said:Just to confirm, no one found an easy way to open aib rs for new customer???
The current account ('Classic Account'), easy access savings ('Select Account'), ISA ('Cash ISA') and fixed savings ('Fixed Rate Saver' or 'Fixed Term Deposit Account') accounts all require a visit to a branch in NI to open them.
However it does seem that you can apply for a credit card online (https://aibni.co.uk/our-products/credit-cards). There are options to call them or post a printed application form for the 'Options One' and 'Options Two' cards.
There is also a form to register for online service (https://aibni.co.uk/personal-docs/ways-to-bank/online-apply-website.pdf) which asks you to provide a bank account or credit card number (presumably for an AIB account of course!). This would imply that holding a credit card will entitle you to request an online account.
Once you have that online customer profile you should then theoretically be able to apply for the Regular Saver via the online account.
Assuming that getting to a branch in NI is not easy for you it doesn't appear there is a simple method, the above is quite a bit more convoluted than seems reasonable for a 6% variable account.
Happy to be proven wrong though!
6% on £500/month is a decent proffer./
If you are able to visit a branch of AIB then you can open/maintain a regular savings account.
If you are unable to visit a branch of AIB then you will require an online account to open/maintain a regular savings account. Such online access is available to those who have a current account or credit card account.
Such accounts are only available by personal application at a branch (but see above for a possible application by mail for the credit card).
Thus residents of Northern Ireland are at a considerable advantage should they wish to apply for this RS. I don't think that they have to be "desperate". I don't know on what criteria you judge "Irish banks" to be "years behind those of [Great] Britain"
Which part of your post have I not understood? Which part have I taken out of context?1 -
flaneurs_lobster said:
I'll try to explain it to you.Wheres_My_Cashback said:
Well you've certainly taken that out of context and totally misunderstood !! Current accounts ?flaneurs_lobster said:
That's a bit dismissive of the 2M people who live in NI, looks like you can run this account via a branch with no need for a current account/hard credit check.Wheres_My_Cashback said:
Can't think why anyone would want to put a full credit search on their record as an enabler to opening an average RS a/c with an Irish bank where banks are years behind those of Britain. Would anyone really be that desperate?dcs34 said:
It seems you need to have an existing online customer profile and hence need to have opened another product first.Pkman said:Just to confirm, no one found an easy way to open aib rs for new customer???
The current account ('Classic Account'), easy access savings ('Select Account'), ISA ('Cash ISA') and fixed savings ('Fixed Rate Saver' or 'Fixed Term Deposit Account') accounts all require a visit to a branch in NI to open them.
However it does seem that you can apply for a credit card online (https://aibni.co.uk/our-products/credit-cards). There are options to call them or post a printed application form for the 'Options One' and 'Options Two' cards.
There is also a form to register for online service (https://aibni.co.uk/personal-docs/ways-to-bank/online-apply-website.pdf) which asks you to provide a bank account or credit card number (presumably for an AIB account of course!). This would imply that holding a credit card will entitle you to request an online account.
Once you have that online customer profile you should then theoretically be able to apply for the Regular Saver via the online account.
Assuming that getting to a branch in NI is not easy for you it doesn't appear there is a simple method, the above is quite a bit more convoluted than seems reasonable for a 6% variable account.
Happy to be proven wrong though!
6% on £500/month is a decent proffer./
If you are able to visit a branch of AIB then you can open/maintain a regular savings account.Does it metion this in the terms?Would you reckon if i can visit a branch, its possible to open the RS alone?Then maybe possible to make payments from non AIB current acc
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T&Cs hereAidanmc said:flaneurs_lobster said:
I'll try to explain it to you.Wheres_My_Cashback said:
Well you've certainly taken that out of context and totally misunderstood !! Current accounts ?flaneurs_lobster said:
That's a bit dismissive of the 2M people who live in NI, looks like you can run this account via a branch with no need for a current account/hard credit check.Wheres_My_Cashback said:
Can't think why anyone would want to put a full credit search on their record as an enabler to opening an average RS a/c with an Irish bank where banks are years behind those of Britain. Would anyone really be that desperate?dcs34 said:
It seems you need to have an existing online customer profile and hence need to have opened another product first.Pkman said:Just to confirm, no one found an easy way to open aib rs for new customer???
The current account ('Classic Account'), easy access savings ('Select Account'), ISA ('Cash ISA') and fixed savings ('Fixed Rate Saver' or 'Fixed Term Deposit Account') accounts all require a visit to a branch in NI to open them.
However it does seem that you can apply for a credit card online (https://aibni.co.uk/our-products/credit-cards). There are options to call them or post a printed application form for the 'Options One' and 'Options Two' cards.
There is also a form to register for online service (https://aibni.co.uk/personal-docs/ways-to-bank/online-apply-website.pdf) which asks you to provide a bank account or credit card number (presumably for an AIB account of course!). This would imply that holding a credit card will entitle you to request an online account.
Once you have that online customer profile you should then theoretically be able to apply for the Regular Saver via the online account.
Assuming that getting to a branch in NI is not easy for you it doesn't appear there is a simple method, the above is quite a bit more convoluted than seems reasonable for a 6% variable account.
Happy to be proven wrong though!
6% on £500/month is a decent proffer./
If you are able to visit a branch of AIB then you can open/maintain a regular savings account.Does it metion this in the terms?Would you reckon if i can visit a branch, its possible to open the RS alone?Then maybe possible to make payments from non AIB current acc
https://aibni.co.uk/personal-docs/our-products/savings-and-deposits/regular-saver/regular-saver-terms-conditions.pdf
I've just (re-)read them and I think I was incorrect, The RS requires a current account regardless of application method.3
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