Regular Savings Accounts: The Best Currently Available List!

mhoc

Descrabled said:

Melton ID

They accept original HMRC documents such as tax code statement for this tax year. Always a cheaper alternative to certified ID.

They also accept DWP original documents,

I only ever send the front page with name and NI number.

Ok - so I can send OHs but I dont have a HMRC tax code and the last DWP letter I had was years ago - possibly not acceptable even though I still have the same NI number and address etc 

Descrabled

Melton ID

Beware the HMRC letter needs to be within last three months, but it can be any letter.  They accept any letter about benefit, including local authority and DWP

Daliah

mhoc said:

Descrabled said:

Melton ID

They accept original HMRC documents such as tax code statement for this tax year. Always a cheaper alternative to certified ID.

They also accept DWP original documents,

I only ever send the front page with name and NI number.

Ok - so I can send OHs but I dont have a HMRC tax code and the last DWP letter I had was years ago - possibly not acceptable even though I still have the same NI number and address etc 

You can easily get a letter confirming your NI number. https://www.gov.uk/government/publications/national-insurance-get-your-national-insurance-number-in-writing-ca5403

mhoc

Daliah said:

mhoc said:

Descrabled said:

Melton ID

They accept original HMRC documents such as tax code statement for this tax year. Always a cheaper alternative to certified ID.

They also accept DWP original documents,

I only ever send the front page with name and NI number.

Ok - so I can send OHs but I dont have a HMRC tax code and the last DWP letter I had was years ago - possibly not acceptable even though I still have the same NI number and address etc 

You can easily get a letter confirming your NI number. https://www.gov.uk/government/publications/national-insurance-get-your-national-insurance-number-in-writing-ca5403

In theory but even that needs paperwork - it does not say how far back you need to go for addresses and they want exact dates of how long you lived at that address - fortunately I've only had 4 but the 1st 3 are decades ago. My employment history is also decades old and none of the companies still exist. 
Interesting that HMRC will accept a photocopy of my passport or driving license but Melton Mowbray BS wont.
I do have my NI number, just no paperwork from HMRC in years. 

What you will need

You will be asked to provide information about:

• your personal details, including your name and any other names
• your current and previous home addresses
• any benefits you have claimed, such as Universal Credit or Tax Credits
• your employment history

You may need to send a photocopy of one or two identity documents with the form, such as a passport or driving licence.

cosh25

Coventry Building Society rate rises from 1st July:

Regular Saver (5) - 1.80%
First Home Saver - 1.65%

Daliah

mhoc said:

Daliah said:

mhoc said:

Descrabled said:

Melton ID

They accept original HMRC documents such as tax code statement for this tax year. Always a cheaper alternative to certified ID.

They also accept DWP original documents,

I only ever send the front page with name and NI number.

Ok - so I can send OHs but I dont have a HMRC tax code and the last DWP letter I had was years ago - possibly not acceptable even though I still have the same NI number and address etc 

You can easily get a letter confirming your NI number. https://www.gov.uk/government/publications/national-insurance-get-your-national-insurance-number-in-writing-ca5403

In theory but even that needs paperwork - it does not say how far back you need to go for addresses and they want exact dates of how long you lived at that address - fortunately I've only had 4 but the 1st 3 are decades ago.

I have been asked on countless applications how long I have lived at my address but never for proof that I lived there at a given date in the past. I have also only ever been asked for a previous address if I lived for less than 3 years at the current one. 

tiptoe_mouse

Special_Saver2 said:

2. No Time Limit / Account Maturity Date

Principality BS Learner Earner Issue 3 (Adult with a Child)

Interest rate: 2.75% gross p.a. variable from 1st March 2022
Monthly payment: £0-£250
Miss any payments: Can miss as many payments as you wish
Penalty-free withdrawals: Three withdrawals permitted and account closure counts as a withdrawal
Age of applicant: Up to 17 years old
How to open account: Branch only
Special conditions: This Account can only be opened by an Adult(s) aged over 18, in conjunction with a Child aged under 18. Two accounts must be opened initially, one for the Adult(s) and one for the Child. Subsequent accounts for other children can be opened by the Adult account holder. The Adult must be the parent, grandparent, close relative or legal guardian of the Child(ren). Accounts opened for under 14’s must be opened on a signatory basis. Careful_ly has informed us in post 2692 in this thread that both the adult and the child get a regular savings account.

Does anyone know if deposits into the children's accounts have to be made in branch, or if they can be by standing order or faster payments? How about the adults' accounts? I ask because, while getting to a branch to open the accounts is not an issue as we can do it whilst visiting family, I don't want to have to travel to make the deposits each month.

Many thanks!

happybagger

Is anyone aware of the new ESBS RS rate from 1 July yet? The same "we'll personally let you know" message has been on the website for ages

Descrabled

I too await changes to ESBS as well as SRBS, Loughborough, Monmothshire, Mansfield, and Chorley.  They're all going to be emptied unless their interest rates are at 1.75% by 1st July.  My easy access accounts will be the Home Buyer series from September.

Descrabled

SRBS

I have checked on t'interweb and there is no longer any mention of post code restrictions on this regular saver. I also see that each member may have 1 solo account and also 1 joint account.

ESBS

There is no longer any post code restriction now showing for this regular saver on their website.