Regular Savings Accounts: The Best Currently Available List!

polymaff

veryintrigued said:

Anyone find it a bit weird ...

MSE? Never. ...

veryintrigued

London7766551 said:

veryintrigued said:

Anyone find it a bit weird that forumites cite stuff like 'waste of my time', 'not worth my efforts', 'minimum wage' etc on accounts offered up on here and then spend time posting and posting on here?

I am sitting on my backside making a comment here. For me to sign up to that account, I would have to get off my backside, find a shop that has a printer, print a few pages, fill them out, go buy a stamp, go buy an envelope, fill in the form, go to a post box, wait for the post to come back with a bank letter, and then finally send some money in, plus avoid covid. That I do not want to do, far easier to type a message on here giving my opinion on an account, hence the discussion forum.

Far easier to have a printer at home and a stash of stamps and envelopes. Like most people do.

Anyway we've the indulged people who come on here to moan about wasting time on particular Regular Savers (whilst they waste time discussing Regular Savers).

Let's get back to the thread and start promoting Regular Savers.

London7766551

veryintrigued said:

London7766551 said:

veryintrigued said:

Anyone find it a bit weird that forumites cite stuff like 'waste of my time', 'not worth my efforts', 'minimum wage' etc on accounts offered up on here and then spend time posting and posting on here?

I am sitting on my backside making a comment here. For me to sign up to that account, I would have to get off my backside, find a shop that has a printer, print a few pages, fill them out, go buy a stamp, go buy an envelope, fill in the form, go to a post box, wait for the post to come back with a bank letter, and then finally send some money in, plus avoid covid. That I do not want to do, far easier to type a message on here giving my opinion on an account, hence the discussion forum.

Far easier to have a printer at home and a stash of stamps and envelopes. Like most people do.

Anyway we've the endulged people who come on here to moan about wasting time on particular Regular Savers (whilst they waste time discussing Regular Savers).

Let's get back to the thread and start promoting Regular Savers.

I haven't needed to print something in five years. Nor do I send letters. Each person has their own circumstances. I am just saying before people moan about moaning, have an open mind. I think it is the other way around. The moaners have indulged the moaners. A few months ago someone else was moaning because people were discussing the account opening process, and they kept getting alerts for every post and said we should only post if it was to say a new account was available. People like to pick on here at the slightest thing. You'd think MSE was their job.

As for getting back to regular savers, why do banks request opening by post in this day and age? Very old fashioned.

happybagger

Bucks BS Regular Saver Locals

Rate to reduce from 1.2% to 1% with effect from 1 February 2021. No changes to account terms. (via letter)

Presume there will also be a reduction on the non-locals account too. Nothing on website as yet.

Wheres_My_Cashback

JamesRobinson48 said:

Wheres_My_Cashback said:

Just trying to clarify exactly what are the rules of inclusion? With ever decreasing rates and restrictions being placed on accounts nowadays maybe the thresholds should be adapted to reflect 'modern' times?

I think what takes the Tipton RS over the bar (whereas the Dudley RS falls short) is that the Tipton RS runs for more than a year, until 28th February 2022  (a max 15 monthly deposits for those who opened it in Dec 2020). In contrast the Dudley RS runs for precisely one year from the date of opening. Small difference I know, but I guess a line is to be drawn somewhere.

However, that's the past, this is the present and the return between the two accounts if opened now (even then) is negliable unless the thread criteria is solely based upon gross return.
Is this thread here for just the regular commentators here who set their own differing thresholds or is it for ALL readers of the MSE savings forum to find what, as advertised, are the Best Regular Savings Accounts currently available?
Don't get me wrong the thread is great and SS has done a great job in updating this and the previous missing thread, plus it's a very useful place to gather/provide info, but I believe it's not supporting it's own mantra at times.

SFindlay

Wheres_My_Cashback said:

JamesRobinson48 said:

Wheres_My_Cashback said:

Just trying to clarify exactly what are the rules of inclusion? With ever decreasing rates and restrictions being placed on accounts nowadays maybe the thresholds should be adapted to reflect 'modern' times?

I think what takes the Tipton RS over the bar (whereas the Dudley RS falls short) is that the Tipton RS runs for more than a year, until 28th February 2022  (a max 15 monthly deposits for those who opened it in Dec 2020). In contrast the Dudley RS runs for precisely one year from the date of opening. Small difference I know, but I guess a line is to be drawn somewhere.

However, that's the past, this is the present and the return between the two accounts if opened now (even then) is negliable unless the thread criteria is solely based upon gross return.
Is this thread here for just the regular commentators here who set their own differing thresholds or is it for ALL readers of the MSE savings forum to find what, as advertised, are the Best Regular Savings Accounts currently available?
Don't get me wrong the thread is great and SS has done a great job in updating this and the previous missing thread, plus it's a very useful place to gather/provide info, but I believe it's not supporting it's own mantra at times.

Nobody is forcing you to follow or contribute to it, this is typical of people never being happy!!

To answer your question the thread is for ALL users who want to follow a thread as per the criteria laid down whether they are regular contributors or not. SS does this off own back and has nothing to do with MSE so simple answer is if it doesn't meet your approval or needs then move on, maybe if its such a priority for you to have these other accounts listed then set up your own thread and list them there for people interested!!! 

Personally I'm quite happy with SS criteria as not interested in anything less so I'll stick with this thread but others with similar thoughts to yours can follow your thread once up and running and that way everybody will be happy and stop the moaning!! 

prixon

I see Virgin Money have a new issue of their Home Buying Coach Regular Saver, which now runs until 20th Feb 2022 and is still at 1.75% (£250/mth max). It’s associated with the Virgin Home Buying Coach app but anyone can download this and they don’t necessarily have to be buying a house....

London7766551

JamesRobinson48 said:

prixon said:

I see Virgin Money have a new issue of their Home Buying Coach Regular Saver, which now runs until 20th Feb 2022 and is still at 1.75% (£250/mth max). It’s associated with the Virgin Home Buying Coach app but anyone can download this and they don’t necessarily have to be buying a house....

Thanks!  If I'm not mistaken, one isn't allowed to hold more than one VM Home Buying Coach RS at the same time. But would be interested to hear if that turns out not to be the case, or if anyone manages to get both.

Edited.

It seems the same set up as before, you need to register for the app and then it gives you a link to the application page.

https://uk.virginmoney.com/savings/products/home_buying_coach_regular_saver/?utm_source=mortgagecoach&utm_medium=app&utm_campaign=savings#how-do-i-open-and-manage-my-account

• Customers can only have one Home Buying Coach Regular Saver at any time.
• This product is only available to eligible users of the Virgin Money Home Buying Coach app. If you are not a user of this app we will transfer your account to our standard Regular E-Saver.

SFindlay

JamesRobinson48 said:

prixon said:

I see Virgin Money have a new issue of their Home Buying Coach Regular Saver, which now runs until 20th Feb 2022 and is still at 1.75% (£250/mth max). It’s associated with the Virgin Home Buying Coach app but anyone can download this and they don’t necessarily have to be buying a house....

Thanks!  If I'm not mistaken, one isn't allowed to hold more than one VM Home Buying Coach RS at the same time. But would be interested to hear if that turns out not to be the case, or if anyone manages to get both.

Can certainly open and fund 2, since they dont have a Regular E-saver currently on sale they're not going to be able to change it to that (as per T&C) unless release a new issue in next day or so. 

Ken68

I have the original Virgin Coach regular saver without downloading the app.