Regular Savings Accounts: The Best Currently Available List!

Aidanmc

Bobblehat said:

where_are_we said:

Gatehouse EA @5% formerly RS - how quick are withdrawals Monday to Friday and at weekends? I presume it will follow their equivalent available EA account @4.6% change of EPR when it occurs.

Hopefully, because this is "niche" product, at least the .4% differential will be maintained.

I remember them saying that withdrawals after 1pm may be next working day.

Yeah, i made a withdrawal today around 2-3pm and its being processed tomorrow.

ChewyyBacca

Did anyone else have interest credit in Market Harborough Regular Saver on 30 Nov 2024?
T&Cs stated 'Annual interest paid on maturity' 

Aidanmc

ChewyyBacca said:

Did anyone else have interest credit in Market Harborough Regular Saver on 30 Nov 2024?
T&Cs stated 'Annual interest paid on maturity' 

Yes, i noticed that today

RosieRooBear

ChewyyBacca said:

Did anyone else have interest credit in Market Harborough Regular Saver on 30 Nov 2024?
T&Cs stated 'Annual interest paid on maturity' 

Yes, I had an interest payment added on 30th November.

nottsphil

allegro120 said:

sta0612 said:

allegro120 said:

pecunianonolet said:

Can anybody remind me which regular saver accounts can take funding on Sunday 1st and which ones only from Monday 2nd using manual transfers? I know some can take an incoming payment on Sunday but won't pay you interest, which is why they need funding on Monday.

Sunday
Aldermore, BoS, Coventry, Gatehouse, Halifax, Lloyds, Melton, Newcastle, Nottingham, Nationwide, Principality, TSB, YBS.
Monday
Co-op, Hanley, Loughborough, Mansfield, MHBS, MonBS, Progressive, Saffron, Skipton, VM, RBS, Natwest.

Thanks for this. It’s incredibly helpful.

Does anyone know about HSBC, FD, Chorley or SRBS?

Just to note, deposits I’ve made into the following institutions’ regular savers today are showing dated as 2nd December:

Halifax
BOS
Lloyds
Nationwide

What this means for interest, I don’t know.

I’ve also made payments into Principality, but I’ve been unable to check when those have been dated yet.

Halifax, BoS, Lloyds and Nationwide - deposits dated next working day but the interest is earned from the day of deposit.

I fund my regular savers from Chip via Nationwide Flex Direct. When the 1st of the month falls on a working day, I'm in the habit of shunting the few thousand needed into the Nationwide Loyalty @ 3.6% for a few hours, then funding the regular savers in the late evening when the transfer back shows as taking place on the following day. I know it's only 10p per £1000 extra interest but it's only a few seconds work! Is it a futile exercise though?

[Deleted User]

ChewyyBacca said:

Did anyone else have interest credit in Market Harborough Regular Saver on 30 Nov 2024?
T&Cs stated 'Annual interest paid on maturity' 

I wouldn't have noticed till I'd put my next savings in.
Another fiver

refluxer

SavingsBoo 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. 

Nationwide left my RS open  earlier this year when I switched my current account away (I was quite surprised!).  

Are you sure it's still actually a Flex Regular Saver ?

Conditions for holding your account

You must have a Nationwide current account. If this account is closed after you’ve opened a Flex Regular Saver Issue 3, we may transfer your account to an instant access savings product. The terms and conditions and the interest rate for that product will then apply. We’ll tell you personally before we transfer your account.

jd84

MHBS rs

Yes, must be a quirk of lasting more than 1 year and maturing 30 November 2025.

Their terms also say you must pay in every month. Mine should be full by September, so not sure how that's going to work if the maximum balance gets enforced... Might have to juggle the last few payments down a little to leave enough room?

Skipton loyalty rs

Manually paid in by faster payment from an external account yesterday (1st) and it didn't show up (expected). Visible when checked this morning (2nd) and shows the date as the 1st.

Someone on here raised a complaint a while back about inconsistent messaging about how and when the interest and payments are credited, but I can't remember the outcome.

Natwest digital rs

They do keep the account open if you switch the current account away.

SavingsBoo

orange-juice said:

SavingsBoo 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. 

Nationwide left my RS open  earlier this year when I switched my current account away (I was quite surprised!).  

Will you have any issues moving your money out without a linked NWide account?

I did go round in circles on maturity actually trying to get the money out! But I got there eventually 

SavingsBoo

refluxer said:

SavingsBoo 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. 

Nationwide left my RS open  earlier this year when I switched my current account away (I was quite surprised!).  

Are you sure it's still actually a Flex Regular Saver ?

Conditions for holding your account

You must have a Nationwide current account. If this account is closed after you’ve opened a Flex Regular Saver Issue 3, we may transfer your account to an instant access savings product. The terms and conditions and the interest rate for that product will then apply. We’ll tell you personally before we transfer your account.

Yep it definitely stayed as a regular saver until maturity