Regular Savings Accounts: The Best Currently Available List!

Stargunner

GlasgowExpat2 said:

I’m getting near the £5,000 limit on my NatWest Regular Saver. Does anything happen to the account if you stop making payments? Or should I just reduce the direct debit to £1

Mine has been at £5k since March. I just withdraw the interest when it is paid on the 2nd working day of the month.

poolboy

Yes I m almost at 5k with natwest, no further contributions needed.  Good tip re interest skim off into feeder account.

Bridlington1

Bridlington1 said:

Bridlington1 said:

Bridlington1 said:

simonsmithsays said:

Back to the Regular Saver chat folks?

At present the wayback machine remains unavailable, though there is talk of it being made available in a read-only form. The Archived List of Regular Savers has thus been out of action for the last few days.

I have managed to retrieve the Ts&Cs for over 100 of the regular savers, most of which are currently available regular savers, others could be obtained via link guessing. These have now been downloaded and added to a OneDrive.

These are now available via the link below:
https://1drv.ms/f/s!Arb_6QPnaModcct5ENN5ddMOhkk?e=3U9IMY

I plan to archive all Ts&Cs to this link going forwards to act as a failsafe option should the wayback machine ever become unavailable for extended periods in the future. Apologies for not thinking to do this before the wayback machine went offline in the first place.

Many remain missing however so the list far from complete.

If anyone from these building societies are reading this I would like to thank Melton BS, Darlington BS, Leeds BS and Coventry BS in particular for making their summary box links so easy to guess and not bothering to take them offline and Beehive, YBS for not removing them from their website until long after they go NLA so I could copy part of the wayback machine link to recover them.

The wayback machine has now gone live again, thus the Archived List of Regular Savers should now be restored. I've checked a few of the links and the site seems to be running much slower than usual but it gets there in the end.

I'll download/save copies of the remaining regular saver Ts&Cs over the next few days. The same will also apply to the Archived List of Switching Offers thread.

There are some regular saver Ts&Cs that aren't currently visible on the wayback machine and thus for now remain ``lost". These are the ones which are files that have been uploaded to the wayback machine rather than archived websites and consist of:

• Dudley BS One Year Regular Saver Online Issue 3
• Monmouthshire BS Coronation Regular Saver
• Suffolk BS 2 Year Regular Saver (29.02.2024)
• Tipton & Coseley BS Regular Saver to 31 July 2024 (app)
• Tipton & Coseley BS Regular Saver to 31 July 2024 (branch+post)
• Tipton & Coseley BS Regular Saver to 31 October 2024 (app)

If anyone has copies of these Ts&Cs to hand I would appreciate it if you could upload them to a OneDrive and send me a link to them or send me screenshots of them so that I can add them to the OneDrive.

Suffolk BS 2 Year Regular Saver (29.02.2024) has now also been recovered. Thanks @snaffle_2.

PowerSavingMode

Dizzycap said:

schiff said:

"If you want your money to go back to your nominated account then select that option on your homepage in the App. There should be a link along the bottom of the Regular Saver box. Once you've confirmed, it should say: Thank you for selecting your maturity option, and the link will disappear."

I've tried everything but no joy. The link isn't there - for me anyway. I'll try again in a day or so. There's plenty of time. 

Have you updated the Tipton App? There were a few issues a couple of weeks ago and they did an update with a fresh APP download.

This is the rollover option I have in the most recent Tipton App - Under products:

When I click View I get this Fixed Rate Bond @ 4.05% for my maturing Regular Saver:

It seems we're all getting different offers?

I don't even get the opportunity to view the products... If I select any of the options shown below, it asks me to confirm that I am happy to proceed, which is nuts as I have no idea what the rates are!

PowerSavingMode

Bridlington1 said:

...Apologies for this taking longer than expected, sadly my cat's health took a turn for the worse not long after I made that post and she had to be put down yesterday at the age of 19 to prevent her suffering a prolonged and painful death. 

I'd had that cat since 2006 when I was only 3 years old and wanted to ensure she spent her final hours feeling as happy as she could be and knowing how much she was and shall always be adored. As I'm sure you'll appreciate, I haven't been focusing on savings accounts much over the last few days as a result...

I'm so sorry to hear about your cat. It's an awful thing when a beloved pet takes a turn like this after the sunset years. I myself had to go through something similar with my dog a few years back. It's incredibly painful, I know, but hopefully knowing that you took the most humane decision to ease her suffering brings some kind of solace.

Bridlington1

Bridlington1 said:

Bridlington1 said:

Bridlington1 said:

Bridlington1 said:

simonsmithsays said:

Back to the Regular Saver chat folks?

At present the wayback machine remains unavailable, though there is talk of it being made available in a read-only form. The Archived List of Regular Savers has thus been out of action for the last few days.

I have managed to retrieve the Ts&Cs for over 100 of the regular savers, most of which are currently available regular savers, others could be obtained via link guessing. These have now been downloaded and added to a OneDrive.

These are now available via the link below:
https://1drv.ms/f/s!Arb_6QPnaModcct5ENN5ddMOhkk?e=3U9IMY

I plan to archive all Ts&Cs to this link going forwards to act as a failsafe option should the wayback machine ever become unavailable for extended periods in the future. Apologies for not thinking to do this before the wayback machine went offline in the first place.

Many remain missing however so the list far from complete.

If anyone from these building societies are reading this I would like to thank Melton BS, Darlington BS, Leeds BS and Coventry BS in particular for making their summary box links so easy to guess and not bothering to take them offline and Beehive, YBS for not removing them from their website until long after they go NLA so I could copy part of the wayback machine link to recover them.

The wayback machine has now gone live again, thus the Archived List of Regular Savers should now be restored. I've checked a few of the links and the site seems to be running much slower than usual but it gets there in the end.

I'll download/save copies of the remaining regular saver Ts&Cs over the next few days. The same will also apply to the Archived List of Switching Offers thread.

There are some regular saver Ts&Cs that aren't currently visible on the wayback machine and thus for now remain ``lost". These are the ones which are files that have been uploaded to the wayback machine rather than archived websites and consist of:

• Dudley BS One Year Regular Saver Online Issue 3
• Monmouthshire BS Coronation Regular Saver
• Suffolk BS 2 Year Regular Saver (29.02.2024)
• Tipton & Coseley BS Regular Saver to 31 July 2024 (app)
• Tipton & Coseley BS Regular Saver to 31 July 2024 (branch+post)
• Tipton & Coseley BS Regular Saver to 31 October 2024 (app)

If anyone has copies of these Ts&Cs to hand I would appreciate it if you could upload them to a OneDrive and send me a link to them or send me screenshots of them so that I can add them to the OneDrive.

Suffolk BS 2 Year Regular Saver (29.02.2024) has now also been recovered. Thanks @snaffle_2.

Tipton & Coseley BS Regular Saver to 31 October 2024 (app) has now been restored, this will be added to the OneDrive later today. Thanks @surreysaver and @kamkop, who by coincidence managed to send me the Ts&Cs at exactly the same time.

RosieRooBear

@Bridlington1, so sorry for your loss, I know exactly how you feel and how heartbreaking it is to lose a family pet. I lost my first family cat when she was 18 and I was 23 (32 years ago). I then lost my own two cats a few years ago when they were 15 and 18, I still think of all of them with lots of love. I still have a 13 year old dog, and I’m dreading the day when she goes, hopefully not for a few years.

Your cat would have known how much she had been loved and cherished her whole life, and you should take comfort in knowing you and your family gave her the best life she could have had.

Bridlington1

DJDools said:

Bridlington1 said:

...Apologies for this taking longer than expected, sadly my cat's health took a turn for the worse not long after I made that post and she had to be put down yesterday at the age of 19 to prevent her suffering a prolonged and painful death. 

I'd had that cat since 2006 when I was only 3 years old and wanted to ensure she spent her final hours feeling as happy as she could be and knowing how much she was and shall always be adored. As I'm sure you'll appreciate, I haven't been focusing on savings accounts much over the last few days as a result...

I'm so sorry to hear about your cat. It's an awful thing when a beloved pet takes a turn like this after the sunset years. I myself had to go through something similar with my dog a few years back. It's incredibly painful, I know, but hopefully knowing that you took the most humane decision to ease her suffering brings some kind of solace.

I'm sorry to hear about your dog. You're right, taking the most humane decision does bring some solace as she didn't deserve to spend her final days in pain and her suffering was short-lived but it's still a ghastly time.

RosieRooBear said:

@Bridlington1, so sorry for your loss, I know exactly how you feel and how heartbreaking it is to lose a family pet. I lost my first family cat when she was 18 and I was 23 (32 years ago). I then lost my own two cats a few years ago when they were 15 and 18, I still think of all of them with lots of love. I still have a 13 year old dog, and I’m dreading the day when she goes, hopefully not for a few years.

Your cat would have known how much she had been loved and cherished her whole life, and you should take comfort in knowing you and your family gave her the best life she could have had.

I'm sorry to hear about your losses. Hopefully your dog has a long time left.

I take comfort in the fact that my cat was able to spend her last day laid in a sunbeam which she always loved to do and was never alone on her last night. 

She spent most of her last night sat on my lap getting stroked and told how wonderful she was and whilst she was barely able to make a sound during her final few days, she did manage a very faint purr during her last cuddle and died at the vet being stroked by me so I like to think she died as happy as she could be, knowing that she was loved and adored by those who knew her best.

Thanks to both of you for your kind words and to all those who have expressed their condolences. I'm genuinely touched by the response I've got on this forum during this difficult time.

trickydicky14

orange-juice said:

GlasgowExpat2 said:

I’m getting near the £5,000 limit on my NatWest Regular Saver. Does anything happen to the account if you stop making payments? Or should I just reduce the direct debit to £1

No, you can stop your payments into the account. Probably worthwhile skimming off the interest each month and keeping it at 5k, since that's the max amount that'll attract the higher interest rate.

NatWest digital saver, I put the max of £150 into the account and also use the ‘round ups’ to get the figures up as quick as possible.

Question, when I reach the magic 5k do I also stop the round ups or are they exempt from the 5K limit and continue to earn interest. I think I know the answer but I'll ask the question.

Dizzycap

DJDools said:

Bridlington1 said:

...Apologies for this taking longer than expected, sadly my cat's health took a turn for the worse not long after I made that post and she had to be put down yesterday at the age of 19 to prevent her suffering a prolonged and painful death. 

I'd had that cat since 2006 when I was only 3 years old and wanted to ensure she spent her final hours feeling as happy as she could be and knowing how much she was and shall always be adored. As I'm sure you'll appreciate, I haven't been focusing on savings accounts much over the last few days as a result...

I'm so sorry to hear about your cat. It's an awful thing when a beloved pet takes a turn like this after the sunset years. I myself had to go through something similar with my dog a few years back. It's incredibly painful, I know, but hopefully knowing that you took the most humane decision to ease her suffering brings some kind of solace.

I've been through both of these very painful and heartbreaking experiences. I promised myself I would never go through them again but received a call 4 years ago after my beautiful Rubie King Charles had to be put to sleep at only 10 from my local VET in need of an urgent adoption of a newborn sick and runt of the litter Dachshund. Needless to say, bed out, bowls down, puppy pads down, blankets out and Dachsund in my hands within 30 minutes. She's never looked back and wants for nothing

Time is a healer but it's never full. I still have a tear or two for those animals that I've had to say goodbye to, so my thoughts are with everyone who has and is suffering with this grief at this time xxx