Regular Savings Accounts: The Best Currently Available List!

Fingerbobs

Notepad_Phil said:

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.

Ah, yes, I had missed that email. That explains it.

To be honest, I never use telephone banking, so having a separate ID for it was no hardship.

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?