Regular Savings Accounts: The Best Currently Available List!

Bridlington1

ForumUser7 said:

t1redmonkey said:

Worth noting if you do close them and reopen them, you need to find a new home for the money from the closed accounts since you can only put back in a portion of it (whatever the monthly limit is).

I can't even get it out for a few days - my Bank of Scotland current account (19s) only allows £500 daily payments, and I've just realised after closing the easy access, and BOS/Halifax RSs into the same account... 😑

Can you get chequebooks with the BOS under 19s account? If I'm not mistaken cheques don't count towards the £500 daily withdrawal limit so you could write yourself a cheque to get the money out that way. 

ForumUser7

@middle_of_the_road I remember someone else (I can't remember their handle, I was going to quote their post) posting about it on one of these threads a little bit back also, at least it says they are in the final stages now. I also remember calling the coventry back in July, and they mentioned they were working on it. I would be interested in joining their member forum, but I cannot find it. Is there any chance that you could link to it please?

@PloughmansLunch Good idea - I've had that set up too, and it is handy, but I tend to find the apps log in quicker than saved websites - username, then Face ID for password, then code etc. The first home saver in particular I have to fund more than once a month (not in one go), so just doing Face ID for an app would save me a bit of time

@patrington When the app actually releases, if no one else has at the time, I intend to make a dedicated thread. Same for Bath BS' (aimed for release next week). I don't feel much chat could develop about it, seeing as it isn't released yet, but I could be wrong

@bridlington1 Unfortunately not, you're right that cheques don't count towards the limit, but they sadly don't offer them for this account. Luckily I have a Halifax expresscash too (£300 limit), so spread out between the two, and with the £250 into BoS MS, I'll have it all out by ~ 00:05 tomorrow. I could've called to transfer up to £10,000, but I didn't really want staff getting curious and asking where it came from etc., in case they noticed I'd closed and reopened.

Band7

ForumUser7 said:

@middle_of_the_road I remember someone else (I can't remember their handle, I was going to quote their post) posting about it on one of these threads a little bit back also, at least it says they are in the final stages now. I also remember calling the coventry back in July, and they mentioned they were working on it. I would be interested in joining their member forum, but I cannot find it. Is there any chance that you could link to it please?

Try https://www.mycbsvoice.co.uk/

Bridlington1

ForumUser7 said:

@middle_of_the_road I remember someone else (I can't remember their handle, I was going to quote their post) posting about it on one of these threads a little bit back also, at least it says they are in the final stages now. I also remember calling the coventry back in July, and they mentioned they were working on it. I would be interested in joining their member forum, but I cannot find it. Is there any chance that you could link to it please?

@PloughmansLunch Good idea - I've had that set up too, and it is handy, but I tend to find the apps log in quicker than saved websites - username, then Face ID for password, then code etc. The first home saver in particular I have to fund more than once a month (not in one go), so just doing Face ID for an app would save me a bit of time

@patrington When the app actually releases, if no one else has at the time, I intend to make a dedicated thread. Same for Bath BS' (aimed for release next week). I don't feel much chat could develop about it, seeing as it isn't released yet, but I could be wrong

@bridlington1 Unfortunately not, you're right that cheques don't count towards the limit, but they sadly don't offer them for this account. Luckily I have a Halifax expresscash too (£300 limit), so spread out between the two, and with the £250 into BoS MS, I'll have it all out by ~ 00:05 tomorrow. I could've called to transfer up to £10,000, but I didn't really want staff getting curious and asking where it came from etc., in case they noticed I'd closed and reopened.

If I'm not mistaken the Halifax expresscash limit is £500 for online withdrawals and not £300. I believe the £300 limit refers to physical cash withdrawals.

ForumUser7

@band7 - thank you, I was looking up member forum rather than member panel

@bridlington1 - I thought it'd be £500, as Lloyds and BoS is that, but for some reason Halifax is £300 - 'Online & Mobile Banking UK payments daily limit £300, limits reset at 11:59pm each day.' Luckily it'll all be out by tomorrow anyway, and for next time maybe I'll retain the savings account and see if they have a higher payment limit.

ForumUser7

Hinckley and Rugby BS has published rates effective from 02/03/2023 - their regular saver 30 day notice remains at 4.75%

CooperSF

ForumUser7 said:

Hinckley and Rugby BS has published rates effective from 02/03/2023 - their regular saver 30 day notice remains at 4.75%

Disappointing to hear.

schiff

ForumUser7 said:

Hinckley and Rugby BS has published rates effective from 02/03/2023 - their regular saver 30 day notice remains at 4.75%

I was in the habit of logging in with my user name, password and three digits from my memorable information. The last item  has recently changed to a code to my preferred method - presumably my phone number. No notice of the change! I've tried several times clicking on 'send a text' and nothing arrives. So I'm locked out.
Anybody else?

ForumUser7

schiff said:

ForumUser7 said:

Hinckley and Rugby BS has published rates effective from 02/03/2023 - their regular saver 30 day notice remains at 4.75%

I was in the habit of logging in with my user name, password and three digits from my memorable information. The last item  has recently changed to a code to my preferred method - presumably my phone number. No notice of the change! I've tried several times clicking on 'send a text' and nothing arrives. So I'm locked out.
Anybody else?

I’ve not got that change - it’s still user ID, password and three characters from my memorable phrase for me, so perhaps they are rolling it out. This thread I made may be of use - https://forums.moneysavingexpert.com/discussion/6413720/small-building-societies-2fa-text-issue#latest

Probably contact HRBS on Monday and ask to log an IT ticket - also, maybe ask to check the number they have for you in case it is down wrong. You could also try asking them to switch it from a text to a call - that fixed it for me with ESBS and Bath BS while they worked to fix the texts again.

Good luck!

Special_Saver2

Hi Folks,

I have changed the following items on page 1 of this thread.

- Leeds BS Regular Saver (Issue 37) interest rate 4.2% gross p.a. variable from 28th March 2023 

- Yorkshire BS Christmas 2023 Regular Saver withdrawn and removed from the list on page 1

- Kroo Current Account paying 3.03% AER (2.99% gross) variable on up to £85,000 added to the feeder account section

- Mansfield BS Regular Savings 30 (1st Issue), Mansfield BS Young Regular Saver (3rd Issue) and Mansfield BS Regular eSaver 30 (1st Issue) interest rate increased to 3.75% from 1st March 2023

- Furness BS 1 Year Regular Saver (Issue 5) interest rate increased to 4.5% gross p.a. from 1st March 2023

- Lloyds Club Lloyds Monthly Saver interest rate increased to 6.25% gross p.a. fixed for new applicants

- Lloyds Monthly Saver interest rate increased to 5.25% gross p.a. fixed for new applicants

- Bank of Scotland Monthly Saver interest rate increased to 5.5% gross p.a. fixed for new applicants

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