Regular Savings Accounts: The Best Currently Available List!

Yorkshire_Pud

soulsaver said:

soulsaver said:

Yorkshire_Pud said:

schiff said:

colsten said:

schiff said:

My HSBC RS matures today and it's disappeared from my home screen. I don't remember what happened on previous maturities. Is this the norm? TIA

Yes it's normal (just like FD). It vanishes for up to three days. They detail this in their maturity letter.

Didn't get a letter this time and the 2020 maturity letter didn't tell me what you just have lol Not important.
I have a note about the maturity from them (maybe a junked email) that said 'proceeds can be w'dwn on maturity'. 

My RS matured 20th still waiting for my funds to be put in the flexible saver, last year it was done the day after but looks like they are holding on to my money for a bit longer this year for no reason. I’m leaving them after I get my money anyway, 1% interest on a new RS funding the advance account £1750 pm and if you close early get 0.01% for funds so far deposited. Oh yeah how can I resist but resist I must. Plus only have to wait three and a half years and I might be eligible to open a new current account for an £125 switch bonus after what seems like days of interviews and needless time consuming obstructions, almost over the tribulations of the 2014 account opening but I take it one day at a time.

Y looking at it like that you may as well take a 1 year 1% fix for £3k+ (investec, £5k min)other than the flexible accessibility for loss of interest vs  accessibility on death.

...assuming one has got the £3k available to be locked away of course, although you could put £1.5k in at the start and get c. the same interest as a 1% £250pm RS.

It’s with Skipton for now, tbh I can’t be bothered with chasing the pennies for little reward anymore so looking to simplify my finances as an alternative ‘incentive’! Because time is money! 

someone

Does anyone hold both these accounts?

Principality BS - First Home Steps Online

Principality BS - First Home Steps Account (Issue 2)

(i.e. the online and branch one)

These accounts both offer the same tiered interest of 0.8%-1.5% depending on balance, monthly deposit limits of £1,500, 3 withdrawals a year and a max balance of £25k.

PRAISETHESUN

I hold the online version, but not the branch version (no branches near me). In the T&Cs for each account they state that you can only hold one account of each issue. They seem to treat the branch/online accounts as separate from each other, which suggests there's nothing stopping you from holding both if you wanted.

It takes 2 months to get to the 1% tier and 6 months to get to the 1.5% tier (assuming max contributions) so other accounts probably win out over the short term, particularly if you have less money to deposit, but it suits me well

[Deleted User]

Frogletina said:

SFindlay said:

Wheres_My_Cashback said:

Virgin HBC6 now available. 1.75%

Matures 20/08/22

Usual conditions apply

https://uk.virginmoney.com/savings/products/home_buying_coach_regular_saver

Glad to see they're keeping the 1.75%, I did wonder if would drop it. 

A great rate but you can only have one of these accounts so I can't apply for this new one.

I have two accounts, waiting to see what happens when they mature. 

soulsaver

someone said:

Does anyone hold both these accounts?

Principality BS - First Home Steps Online

Principality BS - First Home Steps Account (Issue 2)

(i.e. the online and branch one)

These accounts both offer the same tiered interest of 0.8%-1.5% depending on balance, monthly deposit limits of £1,500, 3 withdrawals a year and a max balance of £25k.

Is this not being enforced/spotted?

• You can only open this account if you do not own or have not previously owned a property.

adindas

Instant withdrawal with Halifax Regular Saver ??

I have been trying to do partial withdrawal on my Halifax Regular Saver today. But it seems they do not allow people to do this. Unlike BOS regular saver, in Halifax RSA there is no “Payments and transfers” button available on online banking??

Is there a way to do partial instant withdrawal with Halifax RSA ??

I remember to read sowhere in the past that there is a condition something like early closure are allowed. But Early cancelarion will need to wait for another one year before youcould apply for another one ? Could you close the account online ?? TIA

10_66

adindas said:

Instant withdrawal with Halifax Regular Saver ??

I have been trying to do partial withdrawal on my Halifax Regular Saver today. But it seems they do not allow people to do this. Unlike BOS regular saver, in Halifax RSA there is no “Payments and transfers” button available on online banking??

Is there a way to do partial instant withdrawal with Halifax RSA ??

I remember to read sowhere in the past that there is a condition something like early closure are allowed. But Early canceling need to wait for another one year before could apply for anohter one ? Could you close the account onine ?? TIA

No partial withdrawals, but can close.  If close, you're not permitted to open another for 12 months.

Special_Saver2

Hi Folks,

I have done this weekend's update.

The only thing that has changed is updating the Virgin Money Home Buying Coach Regular Saver from issue 5 to issue 6 (which has a maturity date in August 2022).

I will do the next update next weekend.

SS2

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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/p1Leek United BS Flexible Saver Account

soulsaver

soulsaver said:

Principality BS - First Home Steps Online

Principality BS - First Home Steps Account (Issue 2)

Is this not being enforced/spotted?

• You can only open this account if you do not own or have not previously owned a property.

No comment?

liamcov

Special_Saver2 said:

Hi Folks,

I have done this weekend's update.

The only thing that has changed is updating the Virgin Money Home Buying Coach Regular Saver from issue 5 to issue 6 (which has a maturity date in August 2022).

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/p1Leek United BS Flexible Saver Account

I must have missed this when I opened - when does the new Virgin expire?