Regular Savings Accounts: The Best Currently Available List!

Rich2808

Bigwheels1111 said:

Mabel2012 said:

Is there a table showing the  current Top 10 1 year fixed ISA accounts. If so, where is it located.

Just a quick question, why an isa  are you earning more than £1000.00 a year in interest?.
If so is a good.
If not regular 1 year fixed savings is better.
Best offer Kent reliance via flagstone give 1.85%

Best offer Shawbrook bank isa is only 1.4%.

Or easy access Chase uk bank 1.5% and 1% cash back on spending via debit card.
No hard credit search, just soft search.

Its only £500 for a higher rate taxpayer - and many of those with the sort of spare cash to invest will be earning above the average. But even then its probably a tiny number that exceed the limits and have enough cash saved to do so to make a cash ISA with lower rates than say over savings accounts or regular savers more useful. But as interest rates rise - if they do rise that may change.

40% of the population according this survey doesn't even have £100 in a savings account - and its the majority in the north, Scotland, Wales and NI. What a divided society economically we are!

https://www.bbc.co.uk/news/business-37504449

Every_Penny_Counts

Not sure whether it has already been posted here but Furness BS have pulled their 1 year RS issue 5. 

trickydicky14

Rich2808 said:

Bigwheels1111 said:

Mabel2012 said:

Is there a table showing the  current Top 10 1 year fixed ISA accounts. If so, where is it located.

Just a quick question, why an isa  are you earning more than £1000.00 a year in interest?.
If so is a good.
If not regular 1 year fixed savings is better.
Best offer Kent reliance via flagstone give 1.85%

Best offer Shawbrook bank isa is only 1.4%.

Or easy access Chase uk bank 1.5% and 1% cash back on spending via debit card.
No hard credit search, just soft search.

Its only £500 for a higher rate taxpayer - and many of those with the sort of spare cash to invest will be earning above the average. But even then its probably a tiny number that exceed the limits and have enough cash saved to do so to make a cash ISA with lower rates than say over savings accounts or regular savers more useful. But as interest rates rise - if they do rise that may change.

40% of the population according this survey doesn't even have £100 in a savings account - and its the majority in the north, Scotland, Wales and NI. What a divided society economically we are!

https://www.bbc.co.uk/news/business-37504449

That survey was dated 2016 that's six years old.

londoner62

londoner62 said:

I'm turning down the Santander RS because £200 @ 2.5% will earn me about £32 but first I need to transfer my Everyday Current account to a 123 account, the cheapest of which is £24 a year leaving the equivalent of £8 a year interest! £200 at 1% would return £13!!

Changed my mind! Opened a joint 123 Lite on the phone yesterday, moved loads of DD's around, (thanks Nick_C for the heads up) and opened mine and hers Regular Savers with £200 payments going here @ 2.5% and only £50 still going into Monmouthshire @ 1%

kaMelo

Just noticed NatWest/RBS have increased their Digital Regular Saver rate to 3.25%

Wheres_My_Cashback

Every_Penny_Counts said:

Not sure whether it has already been posted here but Furness BS have pulled their 1 year RS issue 5. 

Withdrew all bar £1 earlier in the week via post. Very quickly and efficiently done. Sent request/passbook on Monday and funds were in my account via FP 1100 the next day.

eskbanker

kaMelo said:

Just noticed NatWest/RBS have increased their Digital Regular Saver rate to 3.25%

Discussed last Tuesday on page 437:

https://forums.moneysavingexpert.com/discussion/comment/79110812/#Comment_79110812

kaMelo

So much activity on here recently I clearly missed it, I'll get my coat. 

Fingerbobs

Daliah said:

londoner62 said:

I'm turning down the Santander RS because £200 @ 2.5% will earn me about £32 but first I need to transfer my Everyday Current account to a 123 account, the cheapest of which is £24 a year leaving the equivalent of £8 a year interest! £200 at 1% would return £13!!

I saw someone reporting they had opened the account despite only having an Everyday account.

I have also successfully opened and funded the new Santander RS despite only having an Everyday Current account.

Just out of curiosity, has anyone else who opened the new Santander RS recently mysteriously been sent new online banking details through the post, as though they're a new customer, with a new Personal ID? My existing online access still works as it always has, and shows the new account. I've just filed the letter without scratching off the temporary password panel and ignored it for now.

Notepad_Phil

Fingerbobs said:

Daliah said:

londoner62 said:

I'm turning down the Santander RS because £200 @ 2.5% will earn me about £32 but first I need to transfer my Everyday Current account to a 123 account, the cheapest of which is £24 a year leaving the equivalent of £8 a year interest! £200 at 1% would return £13!!

I saw someone reporting they had opened the account despite only having an Everyday account.

I have also successfully opened and funded the new Santander RS despite only having an Everyday Current account.

Just out of curiosity, has anyone else who opened the new Santander RS recently mysteriously been sent new online banking details through the post, as though they're a new customer, with a new Personal ID? My existing online access still works as it always has, and shows the new account. I've just filed the letter without scratching off the temporary password panel and ignored it for now.

Me too. If I remember the emails that I received on account opening correctly, it was along the lines that the new id will allow me to log on via online, mobile and telephone whereas the old id were only online and either mobile or telephone. Why that required a completely new id I'm not sure.