Regular Savings Accounts: The Best Currently Available List!

Alexland

castle96 said:

Can someone remind me pl. The Virgin Coach Home thing. You can make withdrawals at any time? Cant find any T&Cs

You can make withdrawals but cannot replace the money above the monthly contribution limit

https://uk.virginmoney.com/savings/pdf/Home_Buying_Coach_Regular_Saver_Issue_2-key_product_info.pdf

schiff

In the 10 days from 25/12 to 3/1/21 there are only 3 banking days - 29/30/31 December. Preparations for the movement of money for the first of the month SOs will need some care, especially if the lying about waiting float is in Skipton. Santander quite correctly has the next SO date as 4/1 but Lloyds TSB HSBC are showing 1/1, though obviously they will operate them on the 4th.

dekkard

For the Virgin 'Home Buying Coach Regular Saver' app, it doesn't recognise my email address when I try and sign in with my existing Virgin Money login details. Do you have to create a separate account just for this app?

kaMelo

dekkard said:

For the Virgin 'Home Buying Coach Regular Saver' app, it doesn't recognise my email address when I try and sign in with my existing Virgin Money login details. Do you have to create a separate account just for this app?

It isn't linked to any Virgin accounts and isn't even after registering, it's a simple coaching app provided by Virgin.
Just register as a new user.

dekkard

kaMelo said:

dekkard said:

For the Virgin 'Home Buying Coach Regular Saver' app, it doesn't recognise my email address when I try and sign in with my existing Virgin Money login details. Do you have to create a separate account just for this app?

It isn't linked to any Virgin accounts and isn't even after registering, it's a simple coaching app provided by Virgin.
Just register as a new user.

Thanks. Odd that VM don't make this clear in the app. I expected my existing login credentials to be recognised in the app.

kaMelo

schiff said:

In the 10 days from 25/12 to 3/1/21 there are only 3 banking days - 29/30/31 December. Preparations for the movement of money for the first of the month SOs will need some care, especially if the lying about waiting float is in Skipton. Santander quite correctly has the next SO date as 4/1 but Lloyds TSB HSBC are showing 1/1, though obviously they will operate them on the 4th.

This is precisely why I pay the majority manually, any date conflicts/mix ups could prove expensive

Gers

Virgin HC account:

the account shows in your normal VM savings website (if you have other VM e-savings accounts) after doing the application via the app there's no further use for the app.

dekkard

Gers said:

Virgin HC account:

the account shows in your normal VM savings website (if you have other VM e-savings accounts) after doing the application via the app there's no further use for the app.

I could successfully apply after finding their application page through a search engine. Puzzled as to how Virgin can check if I have the app or not: "This product is only available to eligible users of the Virgin Money Home Buying Coach app."

colsten

dekkard said:

For the Virgin 'Home Buying Coach Regular Saver' app, it doesn't recognise my email address when I try and sign in with my existing Virgin Money login details. Do you have to create a separate account just for this app?

Virgin Money, helpfully ???, have lots of logins. They have one, or more, for regular savings accounts, one for their new current account + attached savings accounts, one for the old Yorkshire current accounts, one for the old Clydesdale current accounts, one for the Virgin credit card, one for mortgages and so on.

If you have a regular savings login, you can use that one for the HBC RS. You can't use any of the other Virgin logins for this account. However, you can also register as a new regular savings customer, and they allocate you a new regular savings ID, even if you already got a regular savings login.

colsten

dekkard said:

I could successfully apply after finding their application page through a search engine. Puzzled as to how Virgin can check if I have the app or not: "This product is only available to eligible users of the Virgin Money Home Buying Coach app."

It's one thing what the Terms and Conditions say.

It's an entirely different thing whether those Terms and Conditions are actually enforced in the system that administers the account.