Regular Savings Accounts: The Best Currently Available List!

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Comments

  • ThePirates
    ThePirates Posts: 269 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    jaypers said:
    however I do quite secretly like having loads of spreadsheets!!
    Loads? 🤣
    What's wrong with 1? 🤔
    I have 1 for money, 1 for whisky and 1 for postboxes!
  • Exactly, no need for loads.  I have 1 spreadsheet, imaginatively titled "My Finances - 2024", that covers absolutely everything about my finances (and a separate "Property Management" one).  Mind you, it currently has exactly 110 tabs. Maybe it's time for a review of some of the less important tabs on there before the 2025 version is released
  • schiff
    schiff Posts: 20,225 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Monmouth Update -
    Exclusive 12th deposit accepted - showing as credited on 2/8, though sent on 1/8
    RS 2 13th deposit not accepted - yet. No sign of the returned funds.
    Losing interest all round!
  • Stargunner
    Stargunner Posts: 961 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    NatWest and RBS Digital Regular Savers

    Rate above 5k drops to 1.60% from 1.75% effective 29th August. Headline rate of 6.17% up to and including 5k remains
    Surely, no one is daft enough to keep over £5k in any of those accounts, so it wont have any relevance.
  • jim1999
    jim1999 Posts: 221 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    NatWest and RBS Digital Regular Savers

    Rate above 5k drops to 1.60% from 1.75% effective 29th August. Headline rate of 6.17% up to and including 5k remains
    Surely, no one is daft enough to keep over £5k in any of those accounts, so it wont have any relevance.
    You'd be surprised.  I was talking to someone a while ago who had about 50k savings in a 123 Current Account (capped at 20k) and thought they were doing pretty well because interest payments came in every month.
  • schiff
    schiff Posts: 20,225 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    NatWest and RBS Digital Regular Savers

    Rate above 5k drops to 1.60% from 1.75% effective 29th August. Headline rate of 6.17% up to and including 5k remains
    Would you post a link to the fuller details of the affected T&Cs by this announcement pse. I had forgotten about the £5000 limit and I am due to reach it in a few months time. Is it for example including interest or not in the £5000 limit? 
    TIA
  • londoner62
    londoner62 Posts: 83 Forumite
    Tenth Anniversary 10 Posts Name Dropper Combo Breaker
    edited 3 August 2024 at 1:40PM
    NatWest and RBS Digital Regular Savers

    Rate above 5k drops to 1.60% from 1.75% effective 29th August. Headline rate of 6.17% up to and including 5k remains
    Over £5,000 does not affect me but pleased to read the drop is less than the 0.25 basis points rate cut.
  • Stargunner
    Stargunner Posts: 961 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    edited 3 August 2024 at 1:43PM
    schiff said:
    NatWest and RBS Digital Regular Savers

    Rate above 5k drops to 1.60% from 1.75% effective 29th August. Headline rate of 6.17% up to and including 5k remains
    Would you post a link to the fuller details of the affected T&Cs by this announcement pse. I had forgotten about the £5000 limit and I am due to reach it in a few months time. Is it for example including interest or not in the £5000 limit? 
    TIA
    The t&c’s can easily be found on either of their websites as these are still active accounts. The interest is paid on the full £5000, but not a penny more, so once the interest is paid on the 2nd of each month I just withdraw it.
  • NatWest and RBS Digital Regular Savers

    Rate above 5k drops to 1.60% from 1.75% effective 29th August. Headline rate of 6.17% up to and including 5k remains
    Over £5,000 does not affect me but pleased to read the drop is less than the 0.25 basis points rate cut.
    Pedantically, that would be 25 basis points (1 bp = 0.01%).
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