Regular Savings Accounts: The Best Currently Available List!

pecunianonolet

ThePirates said:

First Direct Regular Saver

Has anyone got any experience of how long it takes to close a not full term FD Regular Saver and then open a new one?

No experience because it doesn't make sense because if you close you won't get the 7% interest, they will only pay you the rate of their normal saver, which is probably under 2%. Same for HSBC. I am not even sure if they allow you to open a new one or if you have to wait until the end of the term like with TSB. So unless you need to money for an emergency, it doesn't make any sense and you would be at loss vs. a normal easy access account.

francoghezzi

ThePirates said:

First Direct Regular Saver

Has anyone got any experience of how long it takes to close a not full term FD Regular Saver and then open a new one?

Contact them via the chat in the App. The money will be in your current account in a matter of minutes and you can open a new account usually after few hours. Of course you won't be paid the 7% interest but if you need the money for an emergency and you don't have other possibilities closing the Rs won't be the end of the world.

flaneurs_lobster

francoghezzi said:

ThePirates said:

First Direct Regular Saver

Has anyone got any experience of how long it takes to close a not full term FD Regular Saver and then open a new one?

Contact them via the chat in the App. The money will be in your current account in a matter of minutes and you can open a new account usually after few hours.

Please read the post 2 above, you'll get 1.75% on the funds released by closing the account early, a/a 7% if you leave it to term.

ThePirates

Thanks for the advice above. Leave well alone then!

Bridlington1

Just a reminder the following interest rate reductions come into effect tomorrow:

Account	Old rate	New rate
Nottingham BS Branch Regular Saver	6.00%	5.75%
Nottingham BS Children's Regular Saver	3.55%	3.35%
Nottingham BS Members Reward Reg Saver	2.95% (2.5% without bonus)	2.55% (2.1% without bonus)
Nottingham BS Regular Saver	2.9% (2.5% without bonus)	2.55% (2.15% without bonus)
Nottingham BS Regular Saver 2	2.9% (2.5% without bonus)	2.55% (2.15% without bonus)
Nottingham BS Regular Saver 3	2.9% (2.5% without bonus)	2.55% (2.15% without bonus)
West Brom Access Regular Saver	3.35%	3.10%

ernie-money

Gatehouse interest

I hope this question hasn't already been asked- I can't work out how to search within the thread anymore! My Gatehouse RS is just maturing and it had 7% interest/profit, but when I logged on today (maturity day) to double check if I'd put instructions for the maturity funds, it says 5% prfit on the screen. Does anyone know if this is for if the funds remain there, or have they reduced the interest (profit) during the term, without me being aware..?

trickydicky14

ernie-money said:

Gatehouse interest

I hope this question hasn't already been asked- I can't work out how to search within the thread anymore! My Gatehouse RS is just maturing and it had 7% interest/profit, but when I logged on today (maturity day) to double check if I'd put instructions for the maturity funds, it says 5% prfit on the screen. Does anyone know if this is for if the funds remain there, or have they reduced the interest (profit) during the term, without me being aware..?

I think you will find your RS has matured and now you have an easy access account paying 5% which in my books is well worth keeping and you can add to it.

s71hj

ernie-money said:

Gatehouse interest

I hope this question hasn't already been asked- I can't work out how to search within the thread anymore! My Gatehouse RS is just maturing and it had 7% interest/profit, but when I logged on today (maturity day) to double check if I'd put instructions for the maturity funds, it says 5% prfit on the screen. Does anyone know if this is for if the funds remain there, or have they reduced the interest (profit) during the term, without me being aware..?

Same here on the searching the thread point

simonsmithsays

s71hj said:

ernie-money said:

I hope this question hasn't already been asked- I can't work out how to search within the thread anymore! 

Same here on the searching the thread point

This is a definitely more of a problem when a previously fantastic thread is bursting at the seams with posts which are hugely off tangent....

(Of which my post is too).

s71hj

simonsmithsays said:

s71hj said:

ernie-money said:

I hope this question hasn't already been asked- I can't work out how to search within the thread anymore! 

Same here on the searching the thread point

This is a definitely more of a problem when a previously fantastic thread is bursting at the seams with posts which are hugely off tangent....

(Of which my post is too).

It being hard to search the thread means that questions get asked about things which are already covered earlier in the thread which even if they are on tangent contributes to the bursting at the seams