Regular Savings Accounts: The Best Currently Available List!

allegro120

trickydicky14 said:

Being a keen collector of RS’s I’m thinking of re visiting some I have ditched over the past months. Like some others I have concentrated only on accounts paying 6% and above. With variable rates now dropping at pace, I’m thinking should I open the 5.5% fixed accounts like Halifax, Lloyds and BOS even if I only put the minimum £25 in a month for now. It doesn’t make a lot of sense just now but could, come 2024 any thoughts.

Yes, it makes sense in the current environment.  All predictions are pointing out on rate reductions across the board. I'm now on "minimum 5.5% strategy". The only one I'm reluctant to open is Coventry because the withdrawal rule is a bit too tough for this rate.

Middle_of_the_Road

trickydicky14 said:

Being a keen collector of RS’s I’m thinking of re visiting some I have ditched over the past months. Like some others I have concentrated only on accounts paying 6% and above. With variable rates now dropping at pace, I’m thinking should I open the 5.5% fixed accounts like Halifax, Lloyds and BOS even if I only put the minimum £25 in a month for now. It doesn’t make a lot of sense just now but could, come 2024 any thoughts.

Totally agree, any regular saver at 5.5% or above is very attractive at the moment. Even variable rate ones if they fall in-line with easy access accounts will be worth fully funding.

trickydicky14

Wheres_My_Cashback said:

OneUser1 said:

Don’t think it’s been previously mentioned here but I notice the West Brom Regular Saver is now available on-line. It used to be branch only. It’s only 6% but it is a fixed rate so if you think rates are going to fall it might be worthwhile. It’s a maximum of £250 per month and existing members or locals.

I'm sure most here who don't already have one would open this if it wasn't for the last 4 words OR open ths one first https://www.westbrom.co.uk/savings/easy-access/west-brom-saver

Well how lucky is that, I live within the SY post code. I think to get the best return from this I should wait until the start of Jan or is that pushing my luck, could it be withdrawn in a matter of weeks?

chris_the_bee

trickydicky14 said:

Wheres_My_Cashback said:

OneUser1 said:

Don’t think it’s been previously mentioned here but I notice the West Brom Regular Saver is now available on-line. It used to be branch only. It’s only 6% but it is a fixed rate so if you think rates are going to fall it might be worthwhile. It’s a maximum of £250 per month and existing members or locals.

I'm sure most here who don't already have one would open this if it wasn't for the last 4 words OR open ths one first https://www.westbrom.co.uk/savings/easy-access/west-brom-saver

Well how lucky is that, I live within the SY post code. I think to get the best return from this I should wait until the start of Jan or is that pushing my luck, could it be withdrawn in a matter of weeks?

The best return you can get is to open one sooner rather than later.

AmityNeon

trickydicky14 said:

Wheres_My_Cashback said:

OneUser1 said:

Don’t think it’s been previously mentioned here but I notice the West Brom Regular Saver is now available on-line. It used to be branch only. It’s only 6% but it is a fixed rate so if you think rates are going to fall it might be worthwhile. It’s a maximum of £250 per month and existing members or locals.

I'm sure most here who don't already have one would open this if it wasn't for the last 4 words OR open ths one first https://www.westbrom.co.uk/savings/easy-access/west-brom-saver

Well how lucky is that, I live within the SY post code. I think to get the best return from this I should wait until the start of Jan or is that pushing my luck, could it be withdrawn in a matter of weeks?

Opening towards the end of December and ensuring your first deposit is credited before the end of the December nets the best return. There are only six (or five) working days remaining in this month/year, so open it ASAP.

flaneurs_lobster

chris_the_bee said:

trickydicky14 said:

Wheres_My_Cashback said:

OneUser1 said:

Don’t think it’s been previously mentioned here but I notice the West Brom Regular Saver is now available on-line. It used to be branch only. It’s only 6% but it is a fixed rate so if you think rates are going to fall it might be worthwhile. It’s a maximum of £250 per month and existing members or locals.

I'm sure most here who don't already have one would open this if it wasn't for the last 4 words OR open ths one first https://www.westbrom.co.uk/savings/easy-access/west-brom-saver

Well how lucky is that, I live within the SY post code. I think to get the best return from this I should wait until the start of Jan or is that pushing my luck, could it be withdrawn in a matter of weeks?

The best return you can get is to open one sooner rather than later.

Agreed. As someone who is not blessed enough to be a local I'm going to have to wait some days to get an EA open to allow me to apply for the RS. Worried it might go away before this.

allegro120

flaneurs_lobster said:

chris_the_bee said:

trickydicky14 said:

Wheres_My_Cashback said:

OneUser1 said:

Don’t think it’s been previously mentioned here but I notice the West Brom Regular Saver is now available on-line. It used to be branch only. It’s only 6% but it is a fixed rate so if you think rates are going to fall it might be worthwhile. It’s a maximum of £250 per month and existing members or locals.

I'm sure most here who don't already have one would open this if it wasn't for the last 4 words OR open ths one first https://www.westbrom.co.uk/savings/easy-access/west-brom-saver

Well how lucky is that, I live within the SY post code. I think to get the best return from this I should wait until the start of Jan or is that pushing my luck, could it be withdrawn in a matter of weeks?

The best return you can get is to open one sooner rather than later.

Agreed. As someone who is not blessed enough to be a local I'm going to have to wait some days to get an EA open to allow me to apply for the RS. Worried it might go away before this.

The same here, but there is a small chance to get RS opened and funded before 1st January. It says "within 3 working days" for EA so it might be quicker than 3 days and then we have 3 working days next week.  I hope when they have identity already verified opening RS will be quick.

Malchester

Have just been online but it seems you can't open the account through websave. I tried opening an account on their main website but it won't accept my websave account number. Also requires uploading of photo and documents.

Speculator

OneUser1 said:

Don’t think it’s been previously mentioned here but I notice the West Brom Regular Saver is now available on-line. It used to be branch only. It’s only 6% but it is a fixed rate so if you think rates are going to fall it might be worthwhile. It’s a maximum of £250 per month and existing members or locals.

I am an existing WB member but my account is a "websave" ISA which has a 7 digit account number (13 if you include the letters).

On the online application , it asks for at least an 8 digit number so I am stuck. 

I did find a nine digit a/c reference number in an online message/email they sent me about funding my ISA. I wonder if this is my actual account number.

Beneficiary:	WestBrom WeBSave
Reference in full	(Removed by Forum Team)

I will call them tomorrow.

Kim_13

As I previously emptied a Halifax at 5.5%, I won’t re-open the same but have opened £550 per month of fixes at 6%+ in the last few months that I wouldn’t have opened were it not for the expectation of rates dropping. Just depends how quickly the variables need re-distributing.