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Regular Savings Accounts: The Best Currently Available List!
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Saffron BS Small Saver reducing from 5.75 to 5.50% 30th Aug.
They have other reductions as well including on other regular savers, but that was the one I have.5 -
Gers said:5
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Akin to the Ford Money RS @4.75% but a slightly better rate is the Santander RS@5% fixed £200/month with easy access (you need a Santander Current account and must fund from this account). Closed mine when it was uncompetitive but with the rates reducing it`s getting near the time to reopen.
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where_are_we said:Akin to the Ford Money RS @4.75% but a slightly better rate is the Santander RS@5% fixed £200/month with easy access (you need a Santander Current account and must fund from this account). Closed mine when it was uncompetitive but with the rates reducing it`s getting near the time to reopen.
You could have a Lloyds regular paying 5.25% (&/or a Club Lloyds at 6.25% with easy access to funds) with easy access to funds, Bank Of Scotland Regular paying 5.5% with easy access to funds.
Or even better get a Santander Edge Saver account, that's easy access and pays monthly.
Maybe even get a Cahoot (owned by Santander) Sunny Day account too, also easy access to funds.0 -
jameseonline said:where_are_we said:Akin to the Ford Money RS @4.75% but a slightly better rate is the Santander RS@5% fixed £200/month with easy access (you need a Santander Current account and must fund from this account). Closed mine when it was uncompetitive but with the rates reducing it`s getting near the time to reopen.
You could have a Lloyds regular paying 5.25% (&/or a Club Lloyds at 6.25% with easy access to funds) with easy access to funds, Bank Of Scotland Regular paying 5.5% with easy access to funds.
Or even better get a Santander Edge Saver account, that's easy access and pays monthly.
Maybe even get a Cahoot (owned by Santander) Sunny Day account too, also easy access to funds.
But if rates are going to drop, a lot of people will take a fixed option - especially one that allows withdrawals.
The Santander Edge account you mention just dropped from 7 to 6% in the last few days for new openings / refreshes.
And, in many cases people will already have Santander etc maxed out, so it's a case of finding other places to put additional funds.
I don't open Regular Savers below 7% at the moment unless there are some particularly preferable conditions attached to it, but I can understand why plenty will.2 -
It is 'deemed good' if you already have the ones 'paying higher'16
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Santander RS 19 - "jameseonline" - as others have said higher paying accounts have been maxed out.Decision is when to open one. Minimum balance is £1 and you can miss as many months deposit as you like.Remember it is an "anniversary" RS account so second deposit would be 1 month after the first and so on.It is easy to open if you are already a santander customer.If you have an old one still running you can close it and open a new one thus locking in for a further 12 months @5%.0
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where_are_we said:Santander RS 19 - "jameseonline" - as others have said higher paying accounts have been maxed out.Decision is when to open one. Minimum balance is £1 and you can miss as many months deposit as you like.Remember it is an "anniversary" RS account so second deposit would be 1 month after the first and so on.It is easy to open if you are already a santander customer.If you have an old one still running you can close it and open a new one thus locking in for a further 12 months @5%.I have the Issue 18 and I had no idea it's an 'anniversary' type account. I just pay in whatever sum is good for any given month on the first of each month. I *think* I received the correct due interest from Santander when it renewed itself and the interest was paid!0
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DJDools said:where_are_we said:Santander RS 19 - "jameseonline" - as others have said higher paying accounts have been maxed out.Decision is when to open one. Minimum balance is £1 and you can miss as many months deposit as you like.Remember it is an "anniversary" RS account so second deposit would be 1 month after the first and so on.It is easy to open if you are already a santander customer.If you have an old one still running you can close it and open a new one thus locking in for a further 12 months @5%.I have the Issue 18 and I had no idea it's an 'anniversary' type account. I just pay in whatever sum is good for any given month on the first of each month. I *think* I received the correct due interest from Santander when it renewed itself and the interest was paid!
https://www.santander.co.uk/assets/s3fs-public/AD_documents/regular_saver_issue_19_key_facts_document_save0670jul24ipgcdt.pdf1
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