Regular Savings Accounts: The Best Currently Available List!

where_are_we

On the Sunday theme, Principality paid out my RS19 today on time on a Sunday unlike some RS`s eg First Direct taking 2 or 3  working days. However 3 memorable questions and answers as part of their new security had me thinking! especially questions like your "first teacher`s name" - too long ago for my memory!  and "first pet" - ok but mine had a name of four letters  - no good must be 7 characters! and "city where mother or father lives" - they are long gone and they were country folk!

polymaff

schiff said:

nomorekids said:

schiff said:

nomorekids said:

Principality issue 22 interest rate is down to 1.25%, I assume in readiness for their new Christmas saver 

For new subscribers though. 22 was originally fixed rate.

Yes for new subscribers, that is how fixed rate regular savers work, which I am sure everyone on here is aware.

That's too patronising for a Sunday 

Gosh !  After that comment about shoes. ...

colsten

where_are_we said:

 However 3 memorable questions and answers as part of their new security had me thinking! especially questions like your "first teacher`s name" - too long ago for my memory!  and "first pet" - ok but mine had a name of four letters  - no good must be 7 characters! and "city where mother or father lives" - they are long gone and they were country folk!

I never use real information on those memorable questions - otherwise people who know about my life and connections might be able to guess them. The questions are often the same at various institutions, so I just have a list of made up answers that I use everywhere, and that is in my password manager so I, or my attorneys and heirs, can look it up if required. For example, the name of my first pet could be Rover (not the name I use), my first teacher Mrs Marple (not my first teacher, or the name I use), the street I grew up on Royal Gardens (yep, not where I grew up, and not the street I use), and my memorable place is MemPlace (which is not what I use). The main thing is that you can remember what you registered with.

schiff

polymaff said:

schiff said:

nomorekids said:

schiff said:

nomorekids said:

Principality issue 22 interest rate is down to 1.25%, I assume in readiness for their new Christmas saver 

For new subscribers though. 22 was originally fixed rate.

Yes for new subscribers, that is how fixed rate regular savers work, which I am sure everyone on here is aware.

That's too patronising for a Sunday 

Gosh !  After that comment about shoes. ...

You don't think that was made seriously, do you. Altogether different.

polymaff

colsten said:

where_are_we said:

 However 3 memorable questions and answers as part of their new security had me thinking! especially questions like your "first teacher`s name" - too long ago for my memory!  and "first pet" - ok but mine had a name of four letters  - no good must be 7 characters! and "city where mother or father lives" - they are long gone and they were country folk!

I never use real information on those memorable questions - otherwise people who know about my life and connections might be able to guess them. The questions are often the same at various institutions, so I just have a list of made up answers that I use everywhere, and that is in my password manager so I, or my attorneys and heirs, can look it up if required. For example, the name of my first pet could be Rover (not the name I use), my first teacher Mrs Marple (not my first teacher, or the name I use), the street I grew up on Royal Gardens (yep, not where I grew up, and not the street I use), and my memorable place is MemPlace (which is not what I use). The main thing is that you can remember what you registered with.

I'd hope that most people do something like that - or more.  Some simple algorithms held in your head means a physical crib sheet is just about indecipherable. As regards wills etc. - they'll be sorted out by the administrator.

This issue first arose for me, when Halifax introduced the Direct Saver in the early 1990s.  The staff would not accept that my mother's maiden name was Giraffe - nor could I persuade them that anyone could get access to my mother's real maiden name.  I called the chief Exec, told him how unimaginative his organisation was - and he acted and reported back next day.

Could you do that now - get through to the organ grinder instead of his monkey, I mean?

James Crosby, btw. By the time he finished with my shares in the Halifax my organs felt well and truly ground. ... 

polymaff

schiff said:

polymaff said:

schiff said:

nomorekids said:

schiff said:

nomorekids said:

Principality issue 22 interest rate is down to 1.25%, I assume in readiness for their new Christmas saver 

For new subscribers though. 22 was originally fixed rate.

Yes for new subscribers, that is how fixed rate regular savers work, which I am sure everyone on here is aware.

That's too patronising for a Sunday 

Gosh !  After that comment about shoes. ...

You don't think that was made seriously, do you. Altogether different.

You'll only know if and when the MSE police feel your collar - but I think that many females might regard it as patronising - and take offence.  Hardly diplomatic - and only five minutes between your two posts....

Special_Saver2

Hi Folks,

Here is this weekend's update to this thread.

- Added Principality BS Thank You Saver paying 1.65% variable on up to £250 per month up to a balance of £20,000 but only for directly employed NHS staff who can open an account in branch and show their ID badge

- Added Principality BS Christmas 2021 Regular Saver Bond paying 1.5% fixed on up to £125 per month for 1 year. You can apply online from 12th November 2020. I am not sure if you can apply in branch (when they re-open) or by post (application form here: https://www.principality.co.uk/contact-us/downloadable-forms) before then.

- Added Principality BS Regular Saver Bond (Issue 23) paying 1.25% fixed on up to £250 per month for 1 year

- Added Saffron BS 12 Month Fixed Rate Regular Saver (Issue 7) paying 1.5% fixed on up to £500 per month for 1 year but you can only have one Regular Saver with Saffron BS at any one time

- Virgin Money Regular E-Saver Issue 18 replaced by Issue 19 which has the same details as issue 18 (including paying 1% fixed on up to £250 per month for 1 year) but the maturity date is 2 months later (20th November 2021)

I will do the next update next weekend.

SS2

---

For those new to this thread, the first few posts are constantly updated and are on the first page
https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list/p1

Speculator

Special_Saver2 said:

Hi Folks,

Here is this weekend's update to this thread.

- Added Principality BS Thank You Saver paying 1.65% variable on up to £250 per month up to a balance of £20,000 but only for directly employed NHS staff who can open an account in branch and show their ID badge

- Added Principality BS Christmas 2021 Regular Saver Bond paying 1.5% fixed on up to £125 per month for 1 year. You can apply online from 12th November 2020. I am not sure if you can apply in branch (when they re-open) or by post (application form here: https://www.principality.co.uk/contact-us/downloadable-forms) before then.

- Added Principality BS Regular Saver Bond (Issue 23) paying 1.25% fixed on up to £250 per month for 1 year

- Added Saffron BS 12 Month Fixed Rate Regular Saver (Issue 7) paying 1.5% fixed on up to £500 per month for 1 year but you can only have one Regular Saver with Saffron BS at any one time

- Virgin Money Regular E-Saver Issue 18 replaced by Issue 19 which has the same details as issue 18 (including paying 1% fixed on up to £250 per month for 1 year) but the maturity date is 2 months later (20th November 2021)

I will do the next update next weekend.

SS2

---

For those new to this thread, the first few posts are constantly updated and are on the first page
https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list/p1

Just to add, the Saffron issue 7 is for locals only living in the following postcodes.

• This account is restricted to customers in the following postcodes; AL, CB, CM, CO, EN, IG, RM, SG and SS

https://www.saffronbs.co.uk/savings/regular-savings-accounts/12-month-fixed-rate-regular-saver-issue-7

surreysaver

Special_Saver2 said:

Hi Folks,

Here is this weekend's update to this thread.

- Added Principality BS Thank You Saver paying 1.65% variable on up to £250 per month up to a balance of £20,000 but only for directly employed NHS staff who can open an account in branch and show their ID badge

- Added Principality BS Christmas 2021 Regular Saver Bond paying 1.5% fixed on up to £125 per month for 1 year. You can apply online from 12th November 2020. I am not sure if you can apply in branch (when they re-open) or by post (application form here: https://www.principality.co.uk/contact-us/downloadable-forms) before then.

- Added Principality BS Regular Saver Bond (Issue 23) paying 1.25% fixed on up to £250 per month for 1 year

- Added Saffron BS 12 Month Fixed Rate Regular Saver (Issue 7) paying 1.5% fixed on up to £500 per month for 1 year but you can only have one Regular Saver with Saffron BS at any one time

- Virgin Money Regular E-Saver Issue 18 replaced by Issue 19 which has the same details as issue 18 (including paying 1% fixed on up to £250 per month for 1 year) but the maturity date is 2 months later (20th November 2021)

I will do the next update next weekend.

SS2

---

For those new to this thread, the first few posts are constantly updated and are on the first page
https://forums.moneysavingexpert.com/discussion/6106986/regular-savings-accounts-the-best-currently-available-list/p1

And the Principality Christmas Saver 2021 can be opened as part of the maturity instructions for the Christmas Saver 2020

where_are_we

Thanks Surreysaver - "And the Principality Christmas Saver 2021 can be opened as part of the maturity instructions for the Christmas Saver 2020 "

Best way to do it, guarantees acceptance and you get the 1.5% interest on the £125 deposit from 7/11 until official launch on 12/11.