Regular Savings Accounts: The Best Currently Available List!

TheStoozeFather

Shedman said:

TheStoozeFather said:

As a non BoS customer, I tried applying for a regular saver but got an error message at the end of the online form. Also can't login using my Halifax details. Sad times.

Have you tried registering for a BoS login but using your Halifax bank details when it asks for bank account details.  No idea if that would work but might be worth a try.  I can't test that out as I found I was still able to use my old BoS login from way back when I had BoS accounts (all closed several years ago) and when I did it showed me my Halifax accounts and also allowed me to open the BoS RS account and fund it from my Halifax accounts.  The RS now also shows on my Halifax login as well.

This worked so I've now got another regular saver at 4.5%. Thank you!

AndyTh_2

Shedman said:

TheStoozeFather said:

As a non BoS customer, I tried applying for a regular saver but got an error message at the end of the online form. Also can't login using my Halifax details. Sad times.

Have you tried registering for a BoS login but using your Halifax bank details when it asks for bank account details.  No idea if that would work but might be worth a try.  I can't test that out as I found I was still able to use my old BoS login from way back when I had BoS accounts (all closed several years ago) and when I did it showed me my Halifax accounts and also allowed me to open the BoS RS account and fund it from my Halifax accounts.  The RS now also shows on my Halifax login as well.

Excellent, thanks. I already had an account with them but I'd either lost my username through some means or something. It said I was already registered, so I was able to find my username with my halifax account details, and now I also have a 3rd monthly saver.

t1redmonkey

Increased rate of 3.5% on this one, but can only be operated by branch/post: https://www.hrbs.co.uk/saving-product/regular-saver-30-day-notice-account/

ForumUser7

t1redmonkey said:

Increased rate of 3.5% on this one, but can only be operated by branch/post: https://www.hrbs.co.uk/saving-product/regular-saver-30-day-notice-account/

I was looking at this account, but unfortunately whilst you can give notice online, you must post in the passbooks at your own expense to get the withdrawal cheque, as prepaid envelopes are not provided for this purpose. Perhaps I’ll consider this account again if the rate is still competitive when they allow fully online faster payment notice withdrawals

chris_the_bee

Buckinghamshire RS increased from 2.05% to 2.45% WEF 1st November 2022. CLICK HERE for other rates.

happybagger

Although it's on the full list linked by chris_the_bee, for quick reference for those that have it:

Bucks BS RS Locals (closed issue) goes up to 2.80%

dcs34

ForumUser7 said:

t1redmonkey said:

Increased rate of 3.5% on this one, but can only be operated by branch/post: https://www.hrbs.co.uk/saving-product/regular-saver-30-day-notice-account/

I was looking at this account, but unfortunately whilst you can give notice online, you must post in the passbooks at your own expense to get the withdrawal cheque, as prepaid envelopes are not provided for this purpose. Perhaps I’ll consider this account again if the rate is still competitive when they allow fully online faster payment notice withdrawals

The application form comes with a pre-paid envelope to return the application in.

So what's to stop "someone you live with" enquiring and holding onto that envelope until maturity?

ForumUser7

dcs34 said:

ForumUser7 said:

t1redmonkey said:

Increased rate of 3.5% on this one, but can only be operated by branch/post: https://www.hrbs.co.uk/saving-product/regular-saver-30-day-notice-account/

I was looking at this account, but unfortunately whilst you can give notice online, you must post in the passbooks at your own expense to get the withdrawal cheque, as prepaid envelopes are not provided for this purpose. Perhaps I’ll consider this account again if the rate is still competitive when they allow fully online faster payment notice withdrawals

The application form comes with a pre-paid envelope to return the application in.

So what's to stop "someone you live with" enquiring and holding onto that envelope until maturity?

That's a pretty good idea tbh, it's just the amount of times I could use that excuse would be limited - and I may need to make some withdrawals mid-term. I think I'm ok with accounts you apply for by post then manage online, or even ones fully managed through post if the rate is good enough, but only if they provide prepaid envelopes. If a bank/society does not have a proper online facility in this day and age, I don't feel we should be expected by them (especially without it being clear in the ts and cs) to cover our own postage for every withdrawal we want to make. I'm just happy I realised before I deposited funds, because if I set it all up and then midway through asked for a prepaid envelope to make a withdrawal and this was refused, I would be quite irritated. By having to pay for the postage (if we cannot build up a stockpile of 'people we live with' prepaid envelopes), it kind of acts as a penalty for withdrawal imo. 30 day notice, and a penalty (albeit small) doesn't appeal to me on this rate at this stage. I think for those who live near a branch, and already have the top paying regular savers, this is certainly one to add to the collection. But probably one to pass on for those that don't.

Wheres_My_Cashback

Kazza242 said:

Principality Building Society have increased the interest rates paid on some of their First Home Steps online and branch-based regular savers (w.e.f. 13th October 2022.):

First Home Steps Online (issue 2) - Current issue

• Now pays 3.50% on balances £7,501 - £25,000, 3.00% £2,501 - £7500.00 and 2.80% £1 - £2,500.00.
• Maximum account balance is £25,000
• The account is available to open and manage online.
• This is a regular savings account for first-time buyers (though they don't verify this)
• The minimum account balance is £1.  The accounts allows you to pay in up to £1,500 per month. 
• Up to 3 penalty-free withdrawals permitted every calendar year.

https://www.principality.co.uk/savings-accounts/everyday-savings-accounts/First-Home-Steps-Online

First Home Steps Account (issue 3) - Current issue

• Now pays 3.50% on balances £7,501 - £25,000, 3.00% £2,501 - £7500.00 and 2.80% £1 - £2,500.00.
• Maximum account balance is £25,000
• The account must be opened in the branch or agency.  
• You can manage the account in branch, at an agency, by post, or by using the online service.
• This is a regular savings account for first-time buyers (though they don't verify this)
• The minimum account balance is £1.  The accounts allows you to pay in up to £1,500 per month. 
• Up to 3 penalty-free withdrawals permitted every calendar year.

https://www.principality.co.uk/savings-accounts/everyday-savings-accounts/First-Home-Steps-account

The rate on their closed issue 1, remains unchanged at the moment:  

First Home Steps Online (issue 1) - Closed issue

• Currently pay 2.55% on balances £7,501 - £25,000, 2.05% £2,501 - £7500.00 and 1.85% £1 - £2,500.00.  
• No change to the account interest rate at the moment.

Though information on the Principality Building Society website states that that are still currently working through what the latest BOE base rate increase means for their members.  Therefore, there is a possibility that closed issue rates may change soon too.   

I have it on good authority that the FHS online 1 rate will be updated on 01/11.

badger09

Lloyds & Club Lloyds reg savers

Anyone else having trouble with Lloyds online banking today?

I've just tried to open a Lloyds Monthly Saver, having previously tried @Daliah suggestion re Club Lloyds MS. I keep getting error message 'something's gone wrong' & 'currently having technical problems'.