Regular Savings Accounts: The Best Currently Available List!

Special_Saver2

Hi Folks,

I have made the following updates for this weekend's update for page 1 of this thread. Many thanks to all the people who posted useful information in this thread over the last week.

- Royal Bank of Scotland Digital Regular Saver Account and NatWest Digital Regular Saver Account interest rates increased 3.25% p.a. / 3.30% AER (was 3.04% gross p.a.) variable up to £1,000 then 0.30% p.a. / AER (was 0.25%) on £1,001 - £5,000 then 0.10% (was 0.01%) above £5,000 
- Coventry BS Regular Saver (Issue 5) interest rate increased to 1.25% from 1st May (has been 1.15% gross p.a. variable from 1st March 2022)
- Santander Regular eSaver paying 2.5% on up to £200 per month for a year for 123 current account / Select / Private Banking customers
- Lloyds Bank Club Lloyds Monthly Saver interest rate increased from 1% to 1.25%

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/p1

NWDave

Evening all - is it permissible to ask for some pointers in regard to Bank Accounts and how to maximise whats on offer?

If that's ok then Ill add more detail - I didn't want to disrespect the theme of the thread.

Warmest regards and thank you in advnace.

Daliah

NWDave said:

Evening all - is it permissible to ask for some pointers in regard to Bank Accounts and how to maximise whats on offer?

If that's ok then Ill add more detail - I didn't want to disrespect the theme of the thread.

Warmest regards and thank you in advnace.

This thread is about Regular Saver accounts - see page 1 for current offers.

Bank Accounts are generally understood to be Current Accounts. Questions about these are best asked on https://forums.moneysavingexpert.com/categories/budgeting-bank-accounts. May be start reading this first: https://www.moneysavingexpert.com/banking

soulsaver

NWDave said:

Evening all - is it permissible to ask for some pointers in regard to Bank Accounts and how to maximise whats on offer?

If that's ok then Ill add more detail - I didn't want to disrespect the theme of the thread.

Warmest regards and thank you in advnace.

If best rates with easy access see here: The Top Easy Access Savings Discussion Area - Page 530 — MoneySavingExpert Forum

NWDave

Daliah said:

NWDave said:

Evening all - is it permissible to ask for some pointers in regard to Bank Accounts and how to maximise whats on offer?

If that's ok then Ill add more detail - I didn't want to disrespect the theme of the thread.

Warmest regards and thank you in advnace.

This thread is about Regular Saver accounts - see page 1 for current offers.

Bank Accounts are generally understood to be Current Accounts. Questions about these are best asked on https://forums.moneysavingexpert.com/categories/budgeting-bank-accounts. May be start reading this first: https://www.moneysavingexpert.com/banking

My thanks to you for this! I'm glad I asked to respect the spirt of the thread and maintain the status quo!

NWDave

soulsaver said:

NWDave said:

Evening all - is it permissible to ask for some pointers in regard to Bank Accounts and how to maximise whats on offer?

If that's ok then Ill add more detail - I didn't want to disrespect the theme of the thread.

Warmest regards and thank you in advnace.

If best rates with easy access see here: The Top Easy Access Savings Discussion Area - Page 530 — MoneySavingExpert Forum

My upmost thanks to you too! This is exactly what I am after!

qsk

What's the best way to handle when NatWest RS reaches £1000, withdraw all or some? 

PRAISETHESUN

qsk said:

What's the best way to handle when NatWest RS reaches £1000, withdraw all or some? 

Only the portion above £1k has reduced interest. I'm planning to just skim off the excess interest every month or two and leave the rest of the cash untouched until I need it for something.

Daliah

qsk said:

What's the best way to handle when NatWest RS reaches £1000, withdraw all or some? 

Where would you get 3.3% on £1,000?

RG2015

Daliah said:

qsk said:

What's the best way to handle when NatWest RS reaches £1000, withdraw all or some? 

Where would you get 3.3% on £1,000?

Being pedantic, it would only be 3.25% since the interest would not be compounded.