Regular Savings Accounts: The Best Currently Available List!

Sarahspangles

jameseonline said:

trickydicky14 said:

jameseonline said:

allegro120 said:

jameseonline said:

allegro120 said:

jameseonline said:

I opened mine with £200 today it's been credited with tomorrow's date.

I've made the same mistake.  I forgot to look at my spreadsheet where it is clearly stated "NO" for weekend deposits.  Not a big deal, only about 3.5p loss I think

I'm not bothered about that to be honest it's something that I feel needed to be done, plus if they do pull the account tomorrow or whatever I've protected myself 

The same here. I open them as soon as they become available, but you don't have to fund them straight away to secure the product.

Yeah but it's best to open and fund it to max straight away though 😜

Yes if you can afford it, that’s stating the obvious

Well yeah it is but like I said before I went from 1 Nationwide ending (which I got an extra £200 payment in) to starting a new issue so obviously had the funds to fully fund to the max

I'm not sure if the person earlier was in same situation or just wanted to open because they worried it won't be available hense why I edited my reply a few times.

Regular savers really add up. Some months OH has two deposits to the same provider, one on the 1st (a 13th payment) and one to open the new account. If there are two such in a month I have to nudge him to move some lower interest savings into our feeder account. 

allegro120

masonic said:

allegro120 said:

masonic said:

allegro120 said:

Bridlington1 said:

masonic said:

Issue with Halifax early closure is that it requires a branch visit IIRC.

Unless you renew the account into an EA account, which can be done online without penalty. From there you can close the account in online banking.

Halifax.
If my memory is not failing me, when they increased the rate last time I was able to close old and open new RS online without any "renewal" tricks.

Strange, mine eventually reached maturity this month, and is now going to sit there empty for a year, because I have no option to either "renew" it or close it without visiting a branch, which I can't be bothered to do.

Looked at my records. My 4.5% was opened on 9 Nov 22 and 5.5% on 15 March 23 and I'm absolutely sure I didn't have to visit branch for this. Things must have changed.

I have figured out the issue. It is because I have two Halifax profiles. For some reason this account was associated with a profile I haven't used for years, and when I logged into that I was able to renew and close the account.

That explains. 

I used to have two Halifax profiles and it caused some problems so I had to visit branch to merge them into one.

allegro120

chris_the_bee said:

allegro120 said:

masonic said:

allegro120 said:

Bridlington1 said:

masonic said:

Issue with Halifax early closure is that it requires a branch visit IIRC.

Unless you renew the account into an EA account, which can be done online without penalty. From there you can close the account in online banking.

Halifax.
If my memory is not failing me, when they increased the rate last time I was able to close old and open new RS online without any "renewal" tricks.

Strange, mine eventually reached maturity this month, and is now going to sit there empty for a year, because I have no option to either "renew" it or close it without visiting a branch, which I can't be bothered to do.

Looked at my records. My 4.5% was opened on 9 Nov 22 and 5.5% on 15 March 23 and I'm absolutely sure I didn't have to visit branch for this. Things must have changed.

Halifax
I think you have to use their chatbot to close the old one. Then you can open another the following day.

No, I've never used Halifax chatbot, closed it manually online. 

allegro120

masonic said:

JamesRobinson48 said:

allegro120 said:

Displayed or treated? LGB displays next working day, but the interest accrues from the date the funds landed in the account.

What are these LGB displays?  Have you posted on the correct forum?

Probably LBG, as in Lloyds Banking Group, who display transactions dated the next working day at weekends.

Edited to LBG now

jameseonline

Ahh profile merges etc, hate them, had issues a few times with them over the years with Lloyds &/or TSB & possibly others, and to a lesser extent Bank Of Scotland/Halifax, I used to see those accounts only in their own apps initially then they all showed up in both apps, learned to live with that though 

castle96

Coventry still down ( from Fri maturity FHS) still cannot withdraw !

friolento

castle96 said:

Coventry still down ( from Fri maturity FHS) still cannot withdraw !

App is working for me. Haven't tried online.

castle96

they admit a problem. Extra interest will be requested

Descrabled

Coventry FHS

I am puzzled by castle96 comment that FHS has matured as mine doesn't mature for over another year as it's a 3 year regular saver.

[Deleted User]

jameseonline said:

I don't know why you wouldn't put £200 in in 1 go if you've just opened it to be honest, the quicker you put money in the more interest you'll get.

If by next week you mean tomorrow just open it tomorrow or something if you don't think they will get rid of the account, otherwise open it now & fund it and wait till October 1st till your next payment.

I don't think you can do more than 1 payment a month, I opened mine with £200 today it's been credited with tomorrow's date.

Interestingly is you have 1 month from time of opening to fund the account before they will close it.

Quite simple.

Haven't got the money.