Regular Savings Accounts: The Best Currently Available List!

wiseonesomeofthetime

AndyTh_2 said:

Daliah said:

AndyTh_2 said:

Seems I'm not eligible for the YBS Loyalty Regular Saver even though I've continuously had accounts with them since 2020 (different accounts over time)

Are they limiting the 1 year to currently open accounts, rather than continuous membership between accounts overlapping that are now closed?

e.g. 2020 I had an ISA, then months before closing I opened a "Online Rainy Day" savings account to keep membership for loyalties like this, which I closed after opening the Internet Saver issue 10 in 2022

Their programs will probably just look at how long your existing account has been open. I'd call them - a human will be able to see that you have had accounts without interrupt. 

Thanks, and yes I did message them. Their sending me a paper application for it, acknowledging the system only looks at currently open accounts.

Hopefully that application will go through ok.

I have received the same response. 

Snail mail it is then 👍

DragonQ

Descrabled said:

Wheres_My_Cashback said:

Remember it's the 20th tomorrow and we all know what happens at 1400 on the 20th of every other month....

Virgin HBC 12 and hopefully a jump up to 2% 

Me thinks 2% is not enough. I'm using  my HB accounts as easy access from August.  I have little savings earning less than 1.75%

See also report on BBC that BoE may increase rates by 0.5% in August.

Just sorted a 5 year mortgage fix for 2.0% so savings going above in the near future would be quite nice. Can't risk opening no-withdrawal accounts right now but I have a few regular savers at 2-3.5% with no penalties to withdraw and the rest in Chase 1.5%.

clowning

I opened a savings account with YBS in May last year, which has had a £10 balance, in the hope of a loyalty offer. I have now opened a regular esaver. Perfect 

Descrabled

Furness 3 year (no longer available)

Increased to 1.7%, from 1.6%, interest come 1st August

trickydicky14

Descrabled said:

Furness 3 year (no longer available)

Increased to 1.7%, from 1.6%, interest come 1st August

Strange reading this as I decided to close my Furness 3 year only a week ago. For me, even at 1.7% I think I would have shut it down, I'm only opening new ones over 2% and then only if I can get access to the money without penalty. When I'm getting over 1.5% on instant access I don't see the point, I've been putting all my spare cash in 90 day accounts @ 1.9% and giving notice as soon as opened. I feel the savings market is far to fluid just now to do much else but that's just my view.

Descrabled

trickydicky14 said:

Descrabled said:

Furness 3 year (no longer available)

Increased to 1.7%, from 1.6%, interest come 1st August

Strange reading this as I decided to close my Furness 3 year only a week ago. For me, even at 1.7% I think I would have shut it down, I'm only opening new ones over 2% and then only if I can get access to the money without penalty. When I'm getting over 1.5% on instant access I don't see the point, I've been putting all my spare cash in 90 day accounts @ 1.9% and giving notice as soon as opened. I feel the savings market is far to fluid just now to do much else but that's just my view.

I agree with your sentiments.  I have decided that I will, following the BoE rate change in the first week of August, then rationalise my whole range of savings.

Special_Saver2

Hi Everybody,

I have changed the following items on page 1 of this thread for this weekend's update.

- Yorkshire BS Loyalty Regular Saver added to page 1 paying 5% variable on up to £500 per month for 12 months
- Virgin Money Home Buying Coach Regular Saver (Issue 12) updated from issue 11, same interest rate as issue 11 but maturity date of issue 12 extended to 20th August 2023

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

pokora

@Special_Saver2  Feeder account Virgin Money needs an update.

Linked saving account now pays 1.56% interest on balances up to £25,000 and 0.75% on balances over £25,000.

https://uk.virginmoney.com/current-accounts/m-plus-saver/#terms-and-tariff

Emily_Joy

Evening all. As far as I can see Darlington Building society doesn't have any postcode requirements on their Special Occasion Regular Saver account. To be more specific, if you move out of the specified postcode area your account will not be closed. I know this for a fact because I was able to open two of these accounts and I am nowhere near the postcode area specified.

I have a question. The OH and I are looking to open joint regular saving accounts with Saffron and Yorkshire building society. I have been a member of both for over 12 months, but the OH has not. Is this a problem? The second question is whether we need to have a joint current account for withdrawals first?

Malchester

Emily_Joy said:

Evening all. As far as I can see Darlington Building society doesn't have any postcode requirements on their Special Occasion Regular Saver account. To be more specific, if you move out of the specified postcode area your account will not be closed. I know this for a fact because I was able to open two of these accounts and I am nowhere near the postcode area specified.

I have a question. The OH and I are looking to open joint regular saving accounts with Saffron and Yorkshire building society. I have been a member of both for over 12 months, but the OH has not. Is this a problem? The second question is whether we need to have a joint current account for withdrawals first?

The requirement is to live in the postcode areas OR be an existing member. In your case you qualify as an existing member wherever you live. For new accounts you can only open one if you are an existing member or live in the area