📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Regular Savings Accounts: The Best Currently Available List!

Options
12702712732752761703

Comments

  • planteria
    planteria Posts: 5,322 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    not sure if you're aware of it, Yorkshire BS shortly offering a new RegSav for 'loyalty' (since December? 2019) members, paying 3.5%.
  • Rich2808
    Rich2808 Posts: 1,386 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    edited 23 February 2021 at 4:55PM
    Blue_Sky said:
    Bemr said:
    what7 said:
    I wonder if I am eligible. I am already a member, with branch RS 1,2,3.
    Before I closed these accounts, I opened Internet saver plus issue 7 in September 2020.
    According to the phone call I just received from my local branch, you are NOT eligible.  I am in a similar position, continuous membership since 2017, but my only active account is less than a year old.  They told me I cannot open the new account.
    Check in your closed accounts and if there is no break in membership as you opened new account whilst another was still open you should qualify.  Send them a message whilst you are logged in if you find they have made a mistake
    I think what is causing confusion for some staff members of YBS is the following.

    At the top of their information sheet just below the large 3.50% figure they say:-
    To qualify for the Loyalty Regular Saver you must have had a continuous member relationship with YBS or Chelsea Building Society on or before the 1st January 2020.

    However a little lower down in the information sheet in the section titled How do I open and manage my account it says:-
    You must have an active, open account (Savings or Mortgage) with YBS or CBS that has been OPENED on or before the 1st January 2020.

    These two requirements are not the same thing, so I can see why some people might get refused an account.
    The former requirement surely must be right - as it implies you need to have kept an savings account with at least £100 in it (to be a 'member') or had a mortgage or both which was open on 1/1/20 and you still are a member. If it were a loyalty account it would be very unfair (as implied by the second requirement) to exclude someone who closed a YBS savings account opened before 1/1/20 and transferred the proceeds to another YBS account opened post 1/1/20 - or closed that savings account after they took out a YBS mortgage.

    If its supposed to be a loyalty account it should reward loyalty?

    And requirement 1 avoids the issue over what is an 'active account' - must you have paid funds in recently (what if it was a 2 year fixed rate bond which was still open but didn't permit top ups during the term).
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    500 Posts Second Anniversary Name Dropper Photogenic
    edited 23 February 2021 at 4:57PM
    mhoc said:
    I got "the requested "URL was rejected due to a WAF violation. Please contact YBS Service Desk or Network Services Data". :( 
    Tried 2 different search engines
    It may be a custom PDF created for the actual application or customer, so it will not work for anyone else.
  • mhoc
    mhoc Posts: 19,295 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    I am also very confused as to weather my OH is eligible now. He had a regular saver 2 opened September 2019 which matured September 2020. Then he had a reg saver 3 opened February 2020 which matured this month and it transformed into a matured account - still has a few £ left. Does he qualify or not???
    (Probably me being very dim) 
    “Create all the happiness you are able to create; remove all the misery you are able to remove. Every day will allow you, --will invite you to add something to the pleasure of others, --or to diminish something of their pains.”
  • colsten
    colsten Posts: 17,597 Forumite
    10,000 Posts Seventh Anniversary Photogenic Name Dropper
    OK folks, here is the YBS Loyalty Saver application form, in black and white only. Please only use it if you are entitled to the account.
  • easysaver said:
    colsten said:
    easysaver said:
    The application form for the YBS Loyalty Regular Saver can be downloaded from the website.
    Not sure if I'm allowed to post a link here though?
    You can post a  link, sort of. Just leave a blank after the fullstops so the software doesn't recognise it as a link. We can handle such pseudo links  :smile:
    Thanks for posting it
    Hope this works...
    www. ybs. co. uk/productdata/application-YB571317B. pdf
    The WAF error happens because I put in a space after the final "." just before the "pdf".
    Try this after removing the spaces after "www.", "ybs." and "co."
    www. ybs. co. uk/productdata/application-YB571317B.pdf
    It wasn't difficult to guess, just replace the word "Factsheet" with "application" in the link at the bottom of the YBS Loyalty Regular Saver page.
    Hope that helps
  • typistretired
    typistretired Posts: 2,099 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 23 February 2021 at 5:15PM
    Rich2808
    I only had £1 in my old internet saver and was approved
    "Look after your pennies and your pounds will look after themselves"
  • easysaver said:
    easysaver said:
    colsten said:
    easysaver said:
    The application form for the YBS Loyalty Regular Saver can be downloaded from the website.
    Not sure if I'm allowed to post a link here though?
    You can post a  link, sort of. Just leave a blank after the fullstops so the software doesn't recognise it as a link. We can handle such pseudo links  :smile:
    Thanks for posting it
    Hope this works...
    www. ybs. co. uk/productdata/application-YB571317B. pdf
    The WAF error happens because I put in a space after the final "." just before the "pdf".
    Try this after removing the spaces after "www.", "ybs." and "co."
    www. ybs. co. uk/productdata/application-YB571317B.pdf
    It wasn't difficult to guess, just replace the word "Factsheet" with "application" in the link at the bottom of the YBS Loyalty Regular Saver page.
    Hope that helps
    It works if you use a capital letter for the word Application in the link given.
    I've downloaded the form now, thank you!

    Mortgage started July 2010 = £223,314
    Mortgage @ March 2014 = £0

    MFiT-T3 No.81
    Mortgage-Free challenge completed.
  • Rich2808
    Rich2808 Posts: 1,386 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Combo Breaker
    colsten said:
    OK folks, here is the YBS Loyalty Saver application form, in black and white only. Please only use it if you are entitled to the account.
    Thanks.
    Is there a specific address to post it too - hopefully a freepost address for us loyal members!!
  • typistretired
    typistretired Posts: 2,099 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    edited 23 February 2021 at 5:46PM
    Have to post to local branch or Agency I'm afraid no freepost shown unless you have an old envelope from them I sent mine 1st class so they will receive tomorrow.
    From YBS " If you're ready to go, simply fill in the application form attached, and bring it along or post it to your local YBS branch or agency.
    Please note: Fixed Rate products are limited issue and may be withdrawn at any time."


    "Look after your pennies and your pounds will look after themselves"
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.1K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.1K Work, Benefits & Business
  • 599.2K Mortgages, Homes & Bills
  • 177K Life & Family
  • 257.5K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.