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Regular Savings Accounts: The Best Currently Available List!
Comments
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GetRichOrDieSaving said:surreysaver said:GetRichOrDieSaving said:I currently have a Current Account with Nationwide and hold a Flex RS. However I’m switching to Lloyds this week, will the Flex RS be closed or will it remain open? I have a credit card with them so will still hold an account and have access to the app.
If you're doing switching, its worth using donor accounts rather than switching main accountsWith regards to the doner account use. I’ve never really bothered too much in getting involved to that level. I’m happy to move my custom over to another bank if the incentives are there. Plus as you will be aware, you often have to meet and maintain certain criteria to avoid monthly fee's, e.g for Lloyds the account I’ve gone for requires £2000 payment per month and three direct debits. So I just find it easier to go along with it all and move every couple of years or so 👍🏼
I'm not sure if your Nationwide credit card will qualify. According to t&c you have to have current account.1 -
pecunianonolet said:Lloyds Reg Saver
OH put 400 into the reg saver yesterday (newly opened) and tried to fund with another 400 today and Lloyds is saying that it isn't possible as it would exceed the monthly limit. I put 400 into mine just now and it shows the date of 2nd December. Looks like funding Lloyds on a weekend isn't an option.
Nationwide Reg Saver
Payment made and showing as 2nd December
I think opening on a weekend when the month changes is pushing your luck!I consider myself to be a male feminist. Is that allowed?0 -
pecunianonolet said:Virgin Money Reg Saver
Confirmed via chat that interest accrues from the date of deposit received so a payment in today earns from today.6 -
skitskut said:pecunianonolet said:Virgin Money Reg Saver
Confirmed via chat that interest accrues from the date of deposit received so a payment in today earns from today.
"If your sort code begins with 05 or 82, please note we that we do not calculate interest based on weekend balances, we use your balance on Friday to calculate your interest for these days."
https://uk.virginmoney.com/savings/helpful-information/interest-calculations/5 -
pecunianonolet said:
Lloyds Reg Saver
OH put 400 into the reg saver yesterday (newly opened) and tried to fund with another 400 today and Lloyds is saying that it isn't possible as it would exceed the monthly limit. I put 400 into mine just now and it shows the date of 2nd December. Looks like funding Lloyds on a weekend isn't an option.Yes it is, but LBG has quirk #4:
- Deposits are credited on non-working days.
- Deposits earn interest when credited on non-working days.
- On non-working days, transaction post dates are future-dated to the next working day, and the true transaction date (and value date for interest purposes) is included in the transaction details.
- The monthly contribution limit per calendar month is based on the post date, so a deposit on Saturday 30th September November will have a post date of 2nd December and therefore count towards December's contribution, yet still earn interest from 30th November.
pecunianonolet said:Nationwide Reg Saver
Payment made and showing as 2nd DecemberAs above with LBG, but #4 does not apply; Nationwide will accept a monthly deposit on Saturday 30th November and another deposit on Sunday 1st December (both transactions will have the same post date of 2nd December and their respective true/value dates in their transaction details).
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AmityNeon said:pecunianonolet said:
Lloyds Reg Saver
OH put 400 into the reg saver yesterday (newly opened) and tried to fund with another 400 today and Lloyds is saying that it isn't possible as it would exceed the monthly limit. I put 400 into mine just now and it shows the date of 2nd December. Looks like funding Lloyds on a weekend isn't an option.Yes it is, but LBG has quirk #4:
- Deposits are credited on non-working days.
- Deposits earn interest when credited on non-working days.
- On non-working days, transaction post dates are future-dated to the next working day, and the true transaction date (and value date for interest purposes) is included in the transaction details.
- The monthly contribution limit per calendar month is based on the post date, so a deposit on Saturday 30th September will have a post date of 2nd December and therefore count towards December's contribution, yet still earn interest from 30th September.
pecunianonolet said:Nationwide Reg Saver
Payment made and showing as 2nd DecemberAs above with LBG, but #4 does not apply; Nationwide will accept a monthly deposit on Saturday 30th September and another deposit on Sunday 1st December (both transactions will have the same post date of 2nd December and their respective true/value dates in their transaction details).
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AmityNeon said:pecunianonolet said:
Lloyds Reg Saver
OH put 400 into the reg saver yesterday (newly opened) and tried to fund with another 400 today and Lloyds is saying that it isn't possible as it would exceed the monthly limit. I put 400 into mine just now and it shows the date of 2nd December. Looks like funding Lloyds on a weekend isn't an option.Yes it is, but LBG has quirk #4:
- Deposits are credited on non-working days.
- Deposits earn interest when credited on non-working days.
- On non-working days, transaction post dates are future-dated to the next working day, and the true transaction date (and value date for interest purposes) is included in the transaction details.
- The monthly contribution limit per calendar month is based on the post date, so a deposit on Saturday 30th September will have a post date of 2nd December and therefore count towards December's contribution, yet still earn interest from 30th September.
pecunianonolet said:Nationwide Reg Saver
Payment made and showing as 2nd DecemberAs above with LBG, but #4 does not apply; Nationwide will accept a monthly deposit on Saturday 30th September and another deposit on Sunday 1st December (both transactions will have the same post date of 2nd December and their respective true/value dates in their transaction details).
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wiseonesomeofthetime said:AmityNeon said:pecunianonolet said:
Lloyds Reg Saver
OH put 400 into the reg saver yesterday (newly opened) and tried to fund with another 400 today and Lloyds is saying that it isn't possible as it would exceed the monthly limit. I put 400 into mine just now and it shows the date of 2nd December. Looks like funding Lloyds on a weekend isn't an option.Yes it is, but LBG has quirk #4:
- Deposits are credited on non-working days.
- Deposits earn interest when credited on non-working days.
- On non-working days, transaction post dates are future-dated to the next working day, and the true transaction date (and value date for interest purposes) is included in the transaction details.
- The monthly contribution limit per calendar month is based on the post date, so a deposit on Saturday 30th September will have a post date of 2nd December and therefore count towards December's contribution, yet still earn interest from 30th September.
pecunianonolet said:Nationwide Reg Saver
Payment made and showing as 2nd DecemberAs above with LBG, but #4 does not apply; Nationwide will accept a monthly deposit on Saturday 30th September and another deposit on Sunday 1st December (both transactions will have the same post date of 2nd December and their respective true/value dates in their transaction details).
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Re NatWest and RBS digital reg savers
I have not received any interest on either of these for December?0 -
eastofeden said:Re NatWest and RBS digital reg savers
I have not received any interest on either of these for December?5
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