Regular Savings Accounts: The Best Currently Available List!

vernall

All done thanks, now have 2 Halifax RS and 2 BOS RS

chris_the_bee

Sea_Shell said:

chris_the_bee said:

paul235 said:

chris_the_bee said:

Don't forget that as a Halifax customer you can use your account details to open similar EA account with Bank of Scotland, also up to £250/month @ 4.5%

Are you allowed to open a RBS Regular Saver by using Halifax details to register for online banking with Bank of Scotland and also not have a  Bank of Scotland current account ? 

 https://www.bankofscotland.co.uk/savings/accounts/monthly-saver.html

• You can open this account if you're 16 or over and a UK resident. You also need to have a Bank of Scotland current account.

You do not need a BOS current account if you are a Halifax customer. Use your Halifax account details to register.

Just seen this reply.   Seems that it is the case that you only need to be an existing Halifax customer, NOT have a BoS current account?   

Have I got that right?

Yes. Also see confirming replies from others on this thread.

Brewer21

Brewer21 said:

I tried registering for banking in the BoS app and on-line banking, wouldn't work. It asked for my email and password, no way would it accept anything I inputted.

I did have a BoS account and have a current reward account with Halifax which is my day to day account.

It seems the only way round this is to apply for another BoS account if i want to indulge in their saver, not tried yet.

Had another go this morning, success, now registered on BoS app👍 So according to others i can now open a BoS regular saver even though i don't have their current account?

vernall

Brewer21 said:

Brewer21 said:

I tried registering for banking in the BoS app and on-line banking, wouldn't work. It asked for my email and password, no way would it accept anything I inputted.

I did have a BoS account and have a current reward account with Halifax which is my day to day account.

It seems the only way round this is to apply for another BoS account if i want to indulge in their saver, not tried yet.

Had another go this morning, success, now registered on BoS app👍 So according to others i can now open a BoS regular saver even though i don't have their current account?

Thats what I did

zombie404

vernall said:

Brewer21 said:

Brewer21 said:

I tried registering for banking in the BoS app and on-line banking, wouldn't work. It asked for my email and password, no way would it accept anything I inputted.

I did have a BoS account and have a current reward account with Halifax which is my day to day account.

It seems the only way round this is to apply for another BoS account if i want to indulge in their saver, not tried yet.

Had another go this morning, success, now registered on BoS app👍 So according to others i can now open a BoS regular saver even though i don't have their current account?

Thats what I did

Interested in doing this But according to requirements of saver account on BOS you have to have a current account

Assuming you need the current account to pull the money out the saver account 

adindas

Sensory said:

vernall said:

I used to have a BOS current account and RS few years ago, the RS matured and I got rid of the current account in some switch incentive.

I have always held a Halifax account so when they upped their RS rates I opened one for its 4.5%

Few days later I thought I would open a BOS current account again just for their 4.5% RS. I was using my phone at the time so went through the current account opening process, all went through fine so just had to wait for online access to arrive so i could open their RS.

That night I happened to be on my laptop and go to the BOS website, I pressed log in and the laptop had remembered my username and password from few years ago, so I logged in to see if anything was there. It showed my Halifax account and the Halifax RS. Looking at savings accounts it allowed me to open a BOS RS with no current account being open at all.

I opened it and it was showing straight away when I logged into my Halifax banking app too. I deposited via my Halifax account. To this day on my Halifax banking app and the old BOS banking this BOS RS is still showing.

My online access arrived from the new BOS current account, I logged in and the new current account was showing, but no sign of the Halifax account or the Halifax RS or more importantly the BOS RS. I clicked on the savings accounts available to me and to my surprise a RS was available to me to open at 4.5%. I have not opened another one but looks like there is a glitch in the system that would allow me to do so.

Just to clarify, when I log into Halifax and my old BOS the same accounts are showing, Halifax account, Halifax RS and BOS RS. When I log into BOS with the new current account there is only that account showing.

Worth a punt opening another RS you recon for another 4.5%?

This works both ways. If you have a BOS login that doesn't show your Halifax accounts, and a Halifax login that doesn't show your BOS accounts, you can create an additional login for each using the details of accounts that don't cross-appear. You can then open a total of 4 regular savers.

All My BoS and Halifax accounts are showing my Halifax and BoS and RSA whatever login credential I am using, either Halifax or BoS. How you guys not having them shown on your online banking ??

I am aware that I could create a new login credential and apply for as new account but, I prefer not to for personal reason.

Sensory

adindas said:

Sensory said:

vernall said:

I used to have a BOS current account and RS few years ago, the RS matured and I got rid of the current account in some switch incentive.

I have always held a Halifax account so when they upped their RS rates I opened one for its 4.5%

Few days later I thought I would open a BOS current account again just for their 4.5% RS. I was using my phone at the time so went through the current account opening process, all went through fine so just had to wait for online access to arrive so i could open their RS.

That night I happened to be on my laptop and go to the BOS website, I pressed log in and the laptop had remembered my username and password from few years ago, so I logged in to see if anything was there. It showed my Halifax account and the Halifax RS. Looking at savings accounts it allowed me to open a BOS RS with no current account being open at all.

I opened it and it was showing straight away when I logged into my Halifax banking app too. I deposited via my Halifax account. To this day on my Halifax banking app and the old BOS banking this BOS RS is still showing.

My online access arrived from the new BOS current account, I logged in and the new current account was showing, but no sign of the Halifax account or the Halifax RS or more importantly the BOS RS. I clicked on the savings accounts available to me and to my surprise a RS was available to me to open at 4.5%. I have not opened another one but looks like there is a glitch in the system that would allow me to do so.

Just to clarify, when I log into Halifax and my old BOS the same accounts are showing, Halifax account, Halifax RS and BOS RS. When I log into BOS with the new current account there is only that account showing.

Worth a punt opening another RS you recon for another 4.5%?

This works both ways. If you have a BOS login that doesn't show your Halifax accounts, and a Halifax login that doesn't show your BOS accounts, you can create an additional login for each using the details of accounts that don't cross-appear. You can then open a total of 4 regular savers.

All My BoS and Halifax accounts are showing my Halifax and BoS and RSA whatever login credential I am using, either Halifax or BoS. How you guys not having them shown on your online banking ??

I am aware that I could create a new login credential but, I prefer not to for personal reason.

I applied for a BOS current account and registered for online banking at the same time. This created a new login with a separate set of accounts.

Halifax login 1 --> set of Halifax/BOS accounts <-- BOS login 1
Halifax login 2 --> a separate set of Halifax/BOS accounts <-- BOS login 2

If I had to guess, their systems see me as two different people who happen to share the exact same personal details.

adindas

Earl Shilton BS Regular Monthly Saver entry updated with interest rate updated to 3.3% from 14th November 2022
Can I withdraw money?

• Yes – 2 withdrawals per year (1st March – end of February Inc.).
• The account will be closed if a further withdrawal is required

What happen after the 3-rd withdrawal your account is closed, but you open a new one immediately. It does not seem any information that will prevent this to happen, does it ?. Have I missed something here ??

chris_the_bee

zombie404 said:

vernall said:

Brewer21 said:

Brewer21 said:

I tried registering for banking in the BoS app and on-line banking, wouldn't work. It asked for my email and password, no way would it accept anything I inputted.

I did have a BoS account and have a current reward account with Halifax which is my day to day account.

It seems the only way round this is to apply for another BoS account if i want to indulge in their saver, not tried yet.

Had another go this morning, success, now registered on BoS app👍 So according to others i can now open a BoS regular saver even though i don't have their current account?

Thats what I did

Interested in doing this But according to requirements of saver account on BOS you have to have a current account

Assuming you need the current account to pull the money out the saver account 

When you open a Halifax RS, they automatically open an (Instant) Everyday Saver which allows transfers out, however, withdrawals are by closure only. If you have the BoS RS then this allows withdrawals from the RS itself. There is no need for a current account.

Bridlington1

It has probably been mentioned somewhere earlier but Ecology BS regular saver now pays 2.85%.