Regular Savings Accounts: The Best Currently Available List!

Stargunner

jameseonline said:

ThePirates said:

I'm new to all of this savings stuff and have opened and maxed out the accounts listed on the MSE website. 

I've opened a NatWest 6.17% Regular Digital Saver, is there anything stopping me opening a RBS one too?

Nope, may as well have them both open as there's only a £150 max deposit a month limit so will take a long time to max each one out at £5000

I have previously read on here of people being able to max one out within a month using double round ups. I maxed out both of mine in around 7-8 months.

jameseonline

WillPS said:

jameseonline said:

Opened the new Principality, bit confused by them paying interest in January, shouldn't it be paid when the year is up? 🤔

Plenty of other building societies pay annually at the start or end of the calendar year. Mansfield, for one.

They'll also pay interest upon closure if any is due too.

That's what I was wondering like will there be 2 lots of interest for the principality account?

PRAISETHESUN

Stargunner said:

jameseonline said:

ThePirates said:

I'm new to all of this savings stuff and have opened and maxed out the accounts listed on the MSE website. 

I've opened a NatWest 6.17% Regular Digital Saver, is there anything stopping me opening a RBS one too?

Nope, may as well have them both open as there's only a £150 max deposit a month limit so will take a long time to max each one out at £5000

I have previously read on here of people being able to max one out within a month using double round ups. I maxed out both of mine in around 7-8 months.

It's 33 months if you do it the normal way. If you game the round-up system I think you can do 100 transactions each day, with £1.98 into the savings account each transaction. Good luck to you if you have the patience to do ~2500 transactions.

jameseonline

Stargunner said:

jameseonline said:

ThePirates said:

I'm new to all of this savings stuff and have opened and maxed out the accounts listed on the MSE website. 

I've opened a NatWest 6.17% Regular Digital Saver, is there anything stopping me opening a RBS one too?

Nope, may as well have them both open as there's only a £150 max deposit a month limit so will take a long time to max each one out at £5000

I have previously read on here of people being able to max one out within a month using double round ups. I maxed out both of mine in around 7-8 months.

I don't understand the round up trick or whatever people call it, but generally speaking it's a £150 deposit a month per brand

PRAISETHESUN

jameseonline said:

Stargunner said:

jameseonline said:

ThePirates said:

I'm new to all of this savings stuff and have opened and maxed out the accounts listed on the MSE website. 

I've opened a NatWest 6.17% Regular Digital Saver, is there anything stopping me opening a RBS one too?

Nope, may as well have them both open as there's only a £150 max deposit a month limit so will take a long time to max each one out at £5000

I have previously read on here of people being able to max one out within a month using double round ups. I maxed out both of mine in around 7-8 months.

I don't understand the round up trick or whatever people call it, but generally speaking it's a £150 deposit a month per brand

https://www.natwest.com/savings/tools-for-savings/round-ups.html

Make a debit card transaction for an odd amount (eg. £1.01) and NatWest/RBS will round up the transaction to £2, and put the difference (99p) into a nominated savings account. They also offer a double round-up version, which allows £1.98 to be saved each transaction.

jameseonline

PRAISETHESUN said:

jameseonline said:

Stargunner said:

jameseonline said:

ThePirates said:

I'm new to all of this savings stuff and have opened and maxed out the accounts listed on the MSE website. 

I've opened a NatWest 6.17% Regular Digital Saver, is there anything stopping me opening a RBS one too?

Nope, may as well have them both open as there's only a £150 max deposit a month limit so will take a long time to max each one out at £5000

I have previously read on here of people being able to max one out within a month using double round ups. I maxed out both of mine in around 7-8 months.

I don't understand the round up trick or whatever people call it, but generally speaking it's a £150 deposit a month per brand

https://www.natwest.com/savings/tools-for-savings/round-ups.html

Make a debit card transaction for an odd amount (eg. £1.01) and NatWest will round up the transaction to £2, and put the difference (99p) into a nominated savings account. They also offer a double round-up version, which allows £1.98 to be saved each transaction.

Seems like a faff especially as I don't use NatWest/RBS for everyday spending 🤣

If only we could deposit more in the "normal" way or just lump sum to max out quicker.

I'd be done by now if so.

Anyone got a history for the Digital Savers?, am I right it used to be £50 max &/or the rate might have been lower?.

I'm thinking I didn't deposit for a while because better savings came along.

dekkard

Principality are having a laugh with their '1 Year Triple Access Regular Saver' - only £50 per month!

Bridlington1

jameseonline said:

PRAISETHESUN said:

jameseonline said:

Stargunner said:

jameseonline said:

ThePirates said:

I'm new to all of this savings stuff and have opened and maxed out the accounts listed on the MSE website. 

I've opened a NatWest 6.17% Regular Digital Saver, is there anything stopping me opening a RBS one too?

Nope, may as well have them both open as there's only a £150 max deposit a month limit so will take a long time to max each one out at £5000

I have previously read on here of people being able to max one out within a month using double round ups. I maxed out both of mine in around 7-8 months.

I don't understand the round up trick or whatever people call it, but generally speaking it's a £150 deposit a month per brand

https://www.natwest.com/savings/tools-for-savings/round-ups.html

Make a debit card transaction for an odd amount (eg. £1.01) and NatWest will round up the transaction to £2, and put the difference (99p) into a nominated savings account. They also offer a double round-up version, which allows £1.98 to be saved each transaction.

Seems like a faff especially as I don't use NatWest/RBS for everyday spending 🤣

If only we could deposit more in the "normal" way or just lump sum to max out quicker.

I'd be done by now if so.

Anyone got a history for the Digital Savers?, am I right it used to be £50 max &/or the rate might have been lower?.

I'm thinking I didn't deposit for a while because better savings came along.

It used to be £50/mth with the top rate paid on balances up to £1k. I kept both of mine at £1k for a while and skimmed the interest off each month. They then later raised the limits to £150/mth with the top rate being paid on balances of up to £5k.

For double round ups on a large scale many just deposit into a savings account that allows debit card deposits

friolento

Bridlington1 said:

jameseonline said:

PRAISETHESUN said:

jameseonline said:

Stargunner said:

jameseonline said:

ThePirates said:

I'm new to all of this savings stuff and have opened and maxed out the accounts listed on the MSE website. 

I've opened a NatWest 6.17% Regular Digital Saver, is there anything stopping me opening a RBS one too?

Nope, may as well have them both open as there's only a £150 max deposit a month limit so will take a long time to max each one out at £5000

I have previously read on here of people being able to max one out within a month using double round ups. I maxed out both of mine in around 7-8 months.

I don't understand the round up trick or whatever people call it, but generally speaking it's a £150 deposit a month per brand

https://www.natwest.com/savings/tools-for-savings/round-ups.html

Make a debit card transaction for an odd amount (eg. £1.01) and NatWest will round up the transaction to £2, and put the difference (99p) into a nominated savings account. They also offer a double round-up version, which allows £1.98 to be saved each transaction.

Seems like a faff especially as I don't use NatWest/RBS for everyday spending 🤣

If only we could deposit more in the "normal" way or just lump sum to max out quicker.

I'd be done by now if so.

Anyone got a history for the Digital Savers?, am I right it used to be £50 max &/or the rate might have been lower?.

I'm thinking I didn't deposit for a while because better savings came along.

It used to be £50/mth with the top rate paid on balances up to £1k. I kept both of mine at £1k for a while and skimmed the interest off each month. They then later raised the limits to £150/mth with the top rate being paid on balances of up to £5k.

For double round ups on a large scale many just deposit into a savings account that allows debit card deposits

Don’t try it with Skipton. They don’t like it and threaten you with account closure 

PRAISETHESUN

friolento said:

Bridlington1 said:

jameseonline said:

PRAISETHESUN said:

jameseonline said:

Stargunner said:

jameseonline said:

ThePirates said:

I'm new to all of this savings stuff and have opened and maxed out the accounts listed on the MSE website. 

I've opened a NatWest 6.17% Regular Digital Saver, is there anything stopping me opening a RBS one too?

Nope, may as well have them both open as there's only a £150 max deposit a month limit so will take a long time to max each one out at £5000

I have previously read on here of people being able to max one out within a month using double round ups. I maxed out both of mine in around 7-8 months.

I don't understand the round up trick or whatever people call it, but generally speaking it's a £150 deposit a month per brand

https://www.natwest.com/savings/tools-for-savings/round-ups.html

Make a debit card transaction for an odd amount (eg. £1.01) and NatWest will round up the transaction to £2, and put the difference (99p) into a nominated savings account. They also offer a double round-up version, which allows £1.98 to be saved each transaction.

Seems like a faff especially as I don't use NatWest/RBS for everyday spending 🤣

If only we could deposit more in the "normal" way or just lump sum to max out quicker.

I'd be done by now if so.

Anyone got a history for the Digital Savers?, am I right it used to be £50 max &/or the rate might have been lower?.

I'm thinking I didn't deposit for a while because better savings came along.

It used to be £50/mth with the top rate paid on balances up to £1k. I kept both of mine at £1k for a while and skimmed the interest off each month. They then later raised the limits to £150/mth with the top rate being paid on balances of up to £5k.

For double round ups on a large scale many just deposit into a savings account that allows debit card deposits

Don’t try it with Skipton. They don’t like it and threaten you with account closure 

Revolut also reportedly take a dim view of it as well...
https://becleverwithyourcash.com/april-2024s-current-account-news-offers/#RBS_hack_Revolut_warning