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Comments
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simonsmithsays said:
Frankly I don't understand people coming onto a MSE page and wasting energy saying getting X money more is a waste of time - whilst negatively posting on here seemingly isn't.
Each to their own I guess.
Well said
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I think it's useful to hear both sides. It helps me to decide if it's worth it for me personally.10
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I have just opened up the YBS Christmas Saver too. I just have this and Nationwide 8% RS so far this year. The rest of our savings go into the YBS internet saver or savings spaces to be spent on cars/holidays/house etc.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php
The 365 Day 1p Challenge 2025 #1 £667.95/£667.95
Save £12k in 2025 #1 £12000/£150001 -
I wouldn’t call it both sides. £6.79 over a standard 5% account is just a neutral informative fact.BestSeagull said:I think it's useful to hear both sides. It helps me to decide if it's worth it for me personally.2 -
I tried on and off for an hour to apply for a YBS Christmas regular saver. There seem to be issues with them having to check every single detail and then spending ages getting back to you.................Never mind, if this doesn't work then they'll be another bus soon!~ Totally FREE Christmas 2026~ NSD 2026 - NSD January 0/20 (1)# Spectos/Royal Mail Monitoring and Posting Panel 2026 - Rest# No.36 Make £2026 in 2026 £0 / £2026 (1)# No.12 Save £2 a Day 2026 £0 / £730 (1)# No.2 Save 1p A Day 2026 £0 / £667.95 (1)# No.19 52 Week Env Challenge 2026 £0 / £1378 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £0 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)0
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Mine too.PloughmansLunch said:I think I've broken it - this should be my 6th or 7th YBS account but for some reason it's blocked from deposits while they 'carry out further checks'
I was opening it only as a ‘just in case YBS are more competitive than their competitors as variable rates reduce’ so I’m not in any rush.0 -
Simple decision for me. 6% is a good rate, opening the account takes only a couple of minutes, closure is permitted, straight forward t&c, no complications. Opened and funded this morning.BestSeagull said:I think it's useful to hear both sides. It helps me to decide if it's worth it for me personally.7 -
AmityNeon said:
I wouldn’t call it both sides. £6.79 over a standard 5% account is just a neutral informative fact.BestSeagull said:I think it's useful to hear both sides. It helps me to decide if it's worth it for me personally.
I agree! £6.79 is just that and it's there for the taking for a few minutes work! Unfortunately, my application seems to be taking ages while they check everything...........
~ Totally FREE Christmas 2026~ NSD 2026 - NSD January 0/20 (1)# Spectos/Royal Mail Monitoring and Posting Panel 2026 - Rest# No.36 Make £2026 in 2026 £0 / £2026 (1)# No.12 Save £2 a Day 2026 £0 / £730 (1)# No.2 Save 1p A Day 2026 £0 / £667.95 (1)# No.19 52 Week Env Challenge 2026 £0 / £1378 (1)# No.4 Save £12k in 2026 £0 / £12,000 (1)# No.4 £2 Savers Club 2026 - 25/12 - 24/10 £0 / £200 (1)# No.8 Sealed Pot Challenge 19 - 2026 - 24/12 - 24/10 £50+ / £400 (1)1 -
Typically changed my mind on the YBS Xmas Saver and opened it with a quid. Doubt I'll be able to put the maximum in but come Summer/Autumn having a 6% saver may be more beneficial than it is now so why not.1
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Going to open the YBS Christmas saver simply because I see you can pay in a minimum of £1 by debit card which will satisfy the x5 payments I need to make when my new Co-op switch goes through to qualify for their bonus. Will also make a couple of payments from my mostly dormant Nationwide account for the next three months in case they offer the Fair Share deal again this year.
It may also come in handy to be a member for future offers and there is a branch within walking distance of my home if ever needed.
SF xTilly Tidying andPADing in 2024 £250.62
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RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20184
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