Regular Savings Accounts: The Best Currently Available List!

Bridlington1

Dizzycap said:

Principality 1 Year Triple Access Regular Saver (Online) 5.75% reduced to 5.6% as of 5th December.

I'm afraid @Kazza242 beat you to it over a fortnight ago. The rate cut has also been reflected in the list I'm maintaining of rate cuts announced since the BOE base rate cut.

GlasgowExpat2

I’ve opened a second regular saver with Principality BS but NatWest only allow one payee with the same account number. I’m sure I saw a list of banks/building societies who allow multiple accounts with different payee references but I can’t find it.  

flaneurs_lobster

Some recent discussion here

https://forums.moneysavingexpert.com/discussion/6567702/natwest-1-payee-with-same-bank-sort-code-and-a-c-number-issue

GlasgowExpat2

flaneurs_lobster said:

Some recent discussion here

https://forums.moneysavingexpert.com/discussion/6567702/natwest-1-payee-with-same-bank-sort-code-and-a-c-number-issue

Thanks. Looks like my Nationwide account would work

apt

jaypers said:

subjecttocontract said:

I'm hopeful that rates will rise again next year. The economy and the fiscal decisions being made don't give me a feeling that we are on a regular downward path. World events, trade, USA etc will also have an impact. But none of us really know what the future holds.

Much as I like savings rates being high, for the good of the majority I hope base rates reduce rather than turn around and go up again. 

There are five times as many savers as mortgage holders so the latter are the minority, not that I want them to be crushed by unreasonably high interest rates.

masonic

A low inflation, low interest rate environment can be good for both savers and borrowers. What matters is the margin between interest rates and inflation.

Often when interest rates are high, inflation has been even higher, and that's bad for savers.

apt said:

There are five times as many savers as mortgage holders so the latter are the minority, not that I want them to be crushed by unreasonably high interest rates.

Depends how you define a saver. Most have very little saved and would hardly benefit from a higher interest rate, yet would suffer if their bills continued to rise at a rate justifying continued high interest rates. Other forms of debt should also be considered.

HHUK

Bridlington1 said:

Additionally it seems the Leeds BS RS Issue 55 is indeed still currently at 5.25%, unlike all other issues of their regular saver. I guessed the application link to it over the weekend and funded it to confirm the rate and it does show as 5.25% still.

Leeds BS RS Issue 55

Inspired by this, I thought I'd see if I could guess the application link as well, and was successful. Opened and funded today with £100 by debit card. Thanks.

guli

HHUK said:

Bridlington1 said:

Additionally it seems the Leeds BS RS Issue 55 is indeed still currently at 5.25%, unlike all other issues of their regular saver. I guessed the application link to it over the weekend and funded it to confirm the rate and it does show as 5.25% still.

Leeds BS RS Issue 55

Inspired by this, I thought I'd see if I could guess the application link as well, and was successful. Opened and funded today with £100 by debit card. Thanks.

Can you kindly share the link please? I couldn’t figure it out. Thanks!

HHUK

guli said:

Can you kindly share the link please? I couldn’t figure it out. Thanks!

Leeds Building Society Regular Saver (Issue 55)

Don't know if it's the same method that @Bridlington1 uses, but this worked for me (basically starting an application for the current issue 58, then replacing the 58 in both places it appears in the address bar by 55):

https://access.leedsbuildingsociety.co.uk/AccountOpening/ApplyOnline?productIdentifier=REGSAVER55&tcFilename=REGSAVER55.pdf&declarationFilename=declarations/non-isa//&campaignCustomerType=null&campaignSource=null&campaignMedium=null&campaignName=null&_gl=1*19u886y*_ga*MTE1NDk3ODQ3OS4xNzMxOTM4MTYy*_ga_EJ9PYH991B*MTczMjAxNjUxMC4zLjEuMTczMjAxNjUyNS4wLjAuMA..*_ga_GTKQWWCHW8*MTczMjAxNjUxMC4zLjEuMTczMjAxNjUyNi4wLjAuMA..*_ga_5VQGSWW2RR*MTczMjAxNjUxMC4zLjEuMTczMjAxNjUyNS4wLjAuMA..

CuparLad

You can also remove all of the tracking code from the URL and just use:

https://access.leedsbuildingsociety.co.uk/AccountOpening/ApplyOnline?productIdentifier=REGSAVER55&tcFilename=REGSAVER55.pdf&declarationFilename=declarations/non-isa/