Regular Savings Accounts: The Best Currently Available List!

adindas

schiff said:

Daliah said:

schiff said:

subjecttocontract said:

I just did this earlier. Renewed my existing reg saver into an Easy access saver. Halifax added the Interest. I then transferred the balance to one of my bank accounts and cancelled the standing order. Then I applied for a new reg saver at 4.5%.....opened in seconds & I set up a new standing order. All very easy, no problems.

I'm envious. I have online access to BOS which shows my Halifax Reward acct, the Halifax Easy Saver (which I can do nothing with, I get error messages*) and my BOS CC. I had no BOS current account.
So I opened a BOS Classic account to get the new BOS RS. It didn't appear online in the same place. So I started a new web page, slightly different user name, same password, different MemInfo. Which worked and I was able to open the new BOS RS.
Nothing I try to enable me to get to the Halifax RS works, I get error messages and cut off.
May have to give up. 
*103: Sorry, we can’t update your settings right now. Please try again later.

You won't be able to do much with your Halifax RS when logged into BOS. You must be logged into Halifax. I have no idea whether any of this would work on your Halifax account but it might.

Try doing what you want to do after each of the following steps

1. delete your browsing history, cache, cookies 
2. use a different browser
3. use the Halifax app 
4. re-install the Halifax app

Good luck!

Tried on a different hardly used laptop - no go. Tried via the Halifax app - no go. Phoned for a reason but got nowhere as I can't cope with phone calls too well due to hearing problems. I could write - it's such a good interest rate, I don't feel like giving up!

Have you tried the following things :

Use Halifax online Banking login detail to apply, not BOS. In the past I have difficulties to apply Halifax product as I realised that I was using BOS login.

Use different Browser. It seems now Firefox like a lot of nuisance when apply a new banking product compared to Chrome, might try edge as well (?)

Descrabled

Saffron

Loyalty Saver 12 at 3%interest and Small Saver at 3.5% interest now showing.

adindas

chris_the_bee said:

soulsaver said:

I've had unresolved tech probs round Halifax & BoS RSs for a few years, so I don't know for sure whether this is new or not:

Regular Saving Account | Savings | Halifax UK

And I know banks aren't good at being clear...

• If you close the Everyday Saver your savings will stay in your Everyday Saver. and after 12 months we’ll change that to an Everyday Saver. 

So I read that at the end of the initial 12 months, if you have closed the related ES,  the funds stay in your regular saver for another 12 months... .earning at the same interest rate? 

IIRC someone mentioned a loophole regarding an excess amount in a Halifax RS - but this doesn't appear to be a loophole, looks like an official bonus?  

If you let a Regular Saver mature without doing anything, then that account will automatically become an Everyday Saver paying a lower rate, currently 0.45%. You can withdraw from this account when ever you wish with instant access. 

You can only access funds in a Regular Saver prior to maturity by closure. This is accomplished by selecting "Renew Account". You will then only be given the option of "Renewing" into an Everyday Saver. Select this and then you can withdraw funds as above.

At this point you can also take out the newly released RS paying 4.5% which you could not have done whilst you had the previous RS @ 2.5%.

This applies to Halifax accounts and I suspect it probably applies to BoS accounts as well.
Whichever you have, Halifax or BoS, you will be able to see both in either online account and will also be able to apply for either Halifax and/or BoS RS as previously discussed.

I can confirm it applies to BOS. It also apples to Lloyds MS, Club Lloyds Monthly saver.It seems all across LBG.

k_man

chris_the_bee said:

soulsaver said:

I've had unresolved tech probs round Halifax & BoS RSs for a few years, so I don't know for sure whether this is new or not:

Regular Saving Account | Savings | Halifax UK

And I know banks aren't good at being clear...

• If you close the Everyday Saver your savings will stay in your Everyday Saver. and after 12 months we’ll change that to an Everyday Saver. 

So I read that at the end of the initial 12 months, if you have closed the related ES,  the funds stay in your regular saver for another 12 months... .earning at the same interest rate? 

IIRC someone mentioned a loophole regarding an excess amount in a Halifax RS - but this doesn't appear to be a loophole, looks like an official bonus?  

If you let a Regular Saver mature without doing anything, then that account will automatically become an Everyday Saver paying a lower rate, currently 0.45%. You can withdraw from this account when ever you wish with instant access. 

You can only access funds in a Regular Saver prior to maturity by closure. This is accomplished by selecting "Renew Account". You will then only be given the option of "Renewing" into an Everyday Saver. Select this and then you can withdraw funds as above.

At this point you can also take out the newly released RS paying 4.5% which you could not have done whilst you had the previous RS @ 2.5%.

This applies to Halifax accounts and I suspect it probably applies to BoS accounts as well.
Whichever you have, Halifax or BoS, you will be able to see both in either online account and will also be able to apply for either Halifax and/or BoS RS as previously discussed.

Lloyds and BoS both allow withdrawals, the Halifax saver is the exception:

https://www.bankofscotland.co.uk/savings/accounts/monthly-saver.html
https://www.lloydsbank.com/savings/club-lloyds-monthly-saver.html
https://www.lloydsbank.com/savings/monthly-saver.html

Can I withdraw money?

Yes. You can make as many withdrawals as you like and there are no charges for doing so. You can transfer money out of the account online, but only to another Lloyds Bank account.

Bear in mind you may not be able to replace what you withdraw. This is because of the monthly deposit limits.

Kazza242

Kazza242 said:

According to Moneyfacts, Saffron Building Society will be launching their 12 Month Fixed Rate Members Regular Saver (issue 12), which will pay 3.00%.

It is likely to be available from 25th October.  It is available to members who have had an existing relationship with Saffron Building Society for the past 12 months.  

Holders of earlier issues of Saffron Members Regular Saver can apply via secure message or over the phone for their account to be product switched to the new issue.   

(They use some money from your existing balance to cover the payment for this month and the remaining balance is sent to your nominated account).  You then just need to amend your standing order so that another 11 payments are scheduled.  

https://www.saffronbs.co.uk/Savings/Regular-Savings-Accounts

The Saffron BS 12 Month Fixed Rate Members Regular Saver (issue 12), paying 3.00% is now available:

https://www.saffronbs.co.uk/savings/regular-savings-accounts/12-month-fixed-rate-members-regular-saver

trickydicky14

Kazza242 said:

Kazza242 said:

According to Moneyfacts, Saffron Building Society will be launching their 12 Month Fixed Rate Members Regular Saver (issue 12), which will pay 3.00%.

It is likely to be available from 25th October.  It is available to members who have had an existing relationship with Saffron Building Society for the past 12 months.  

Holders of earlier issues of Saffron Members Regular Saver can apply via secure message or over the phone for their account to be product switched to the new issue.   

(They use some money from your existing balance to cover the payment for this month and the remaining balance is sent to your nominated account).  You then just need to amend your standing order so that another 11 payments are scheduled.  

https://www.saffronbs.co.uk/Savings/Regular-Savings-Accounts

The Saffron BS 12 Month Fixed Rate Members Regular Saver (issue 12), paying 3.00% is now available:

https://www.saffronbs.co.uk/savings/regular-savings-accounts/12-month-fixed-rate-members-regular-saver

As with previous increases, can you just message them and get your current regular saver changed to the higher rate?

chris_the_bee

trickydicky14 said:

Kazza242 said:

Kazza242 said:

According to Moneyfacts, Saffron Building Society will be launching their 12 Month Fixed Rate Members Regular Saver (issue 12), which will pay 3.00%.

It is likely to be available from 25th October.  It is available to members who have had an existing relationship with Saffron Building Society for the past 12 months.  

Holders of earlier issues of Saffron Members Regular Saver can apply via secure message or over the phone for their account to be product switched to the new issue.   

(They use some money from your existing balance to cover the payment for this month and the remaining balance is sent to your nominated account).  You then just need to amend your standing order so that another 11 payments are scheduled.  

https://www.saffronbs.co.uk/Savings/Regular-Savings-Accounts

The Saffron BS 12 Month Fixed Rate Members Regular Saver (issue 12), paying 3.00% is now available:

https://www.saffronbs.co.uk/savings/regular-savings-accounts/12-month-fixed-rate-members-regular-saver

As with previous increases, can you just message them and get your current regular saver changed to the higher rate?

Yes you can.

Kazza242

trickydicky14 said:

Kazza242 said:

Kazza242 said:

According to Moneyfacts, Saffron Building Society will be launching their 12 Month Fixed Rate Members Regular Saver (issue 12), which will pay 3.00%.

It is likely to be available from 25th October.  It is available to members who have had an existing relationship with Saffron Building Society for the past 12 months.  

Holders of earlier issues of Saffron Members Regular Saver can apply via secure message or over the phone for their account to be product switched to the new issue.   

(They use some money from your existing balance to cover the payment for this month and the remaining balance is sent to your nominated account).  You then just need to amend your standing order so that another 11 payments are scheduled.  

https://www.saffronbs.co.uk/Savings/Regular-Savings-Accounts

The Saffron BS 12 Month Fixed Rate Members Regular Saver (issue 12), paying 3.00% is now available:

https://www.saffronbs.co.uk/savings/regular-savings-accounts/12-month-fixed-rate-members-regular-saver

As with previous increases, can you just message them and get your current regular saver changed to the higher rate?

Yes, you can.  Please see the info in my earlier post (quoted above) which is highlighted in bold (click on 'show previous quotes').  

Every_Penny_Counts

Kazza242 said:

trickydicky14 said:

Kazza242 said:

Kazza242 said:

According to Moneyfacts, Saffron Building Society will be launching their 12 Month Fixed Rate Members Regular Saver (issue 12), which will pay 3.00%.

It is likely to be available from 25th October.  It is available to members who have had an existing relationship with Saffron Building Society for the past 12 months.  

Holders of earlier issues of Saffron Members Regular Saver can apply via secure message or over the phone for their account to be product switched to the new issue.   

(They use some money from your existing balance to cover the payment for this month and the remaining balance is sent to your nominated account).  You then just need to amend your standing order so that another 11 payments are scheduled.  

https://www.saffronbs.co.uk/Savings/Regular-Savings-Accounts

The Saffron BS 12 Month Fixed Rate Members Regular Saver (issue 12), paying 3.00% is now available:

https://www.saffronbs.co.uk/savings/regular-savings-accounts/12-month-fixed-rate-members-regular-saver

As with previous increases, can you just message them and get your current regular saver changed to the higher rate?

Yes, you can.  Please see the info in my earlier post (quoted above) which is highlighted in bold (click on 'show previous quotes').  

You can also ring them for free on their 0800 number.  Took just 2 minutes & it was all done...

ForumUser7

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