Regular Savings Accounts: The Best Currently Available List!

liamcov

ForumUser7 said:

allegro120 said:

Bridlington1 said:

Zaul22 said:

Does anyone know if Natwest will get pizzled off like Chase do if you use Chip to cheese the round ups to put more money into the regular saver? I've tested it and it works but will they have a problem with it?

I've done hundreds of them in the past as evidenced by one of my earlier posts and they don't seem to mind. Though having said that the banks don't always tell you if they're getting slightly rattled with your account activity until it's too late as I've found out with LBG recently so it may be worth avoiding using them too excessively.

By all means do a dozen or so here and there, just maybe avoid doing 396 across 4 accounts each day until the regular savers are full.

I've done 10 to NS&I (5 from RBS and 5 from NatWest) yesterday as a test run. Took 8 minutes to do it.  Started doing it again today and now for each transaction from both cards I had to go to the apps to approve it.  Is this normal? I've also done some from TSB, which needs some card payments for bonuses, and these went without asking for approval on both days. 

I tend to find from the 6th payment onwards within 24 hours, RBS/NW request authorisation

Same. Plus between transactions there is now an extra click involved (3 I think now) - NS&I gradually making it more difficult for us?

Bridlington1

ForumUser7 said:

allegro120 said:

Bridlington1 said:

Zaul22 said:

Does anyone know if Natwest will get pizzled off like Chase do if you use Chip to cheese the round ups to put more money into the regular saver? I've tested it and it works but will they have a problem with it?

I've done hundreds of them in the past as evidenced by one of my earlier posts and they don't seem to mind. Though having said that the banks don't always tell you if they're getting slightly rattled with your account activity until it's too late as I've found out with LBG recently so it may be worth avoiding using them too excessively.

By all means do a dozen or so here and there, just maybe avoid doing 396 across 4 accounts each day until the regular savers are full.

I've done 10 to NS&I (5 from RBS and 5 from NatWest) yesterday as a test run. Took 8 minutes to do it.  Started doing it again today and now for each transaction from both cards I had to go to the apps to approve it.  Is this normal? I've also done some from TSB, which needs some card payments for bonuses, and these went without asking for approval on both days. 

I tend to find from the 6th payment onwards within 24 hours, RBS/NW request authorisation

When I was doing tons of them l found that if you leave it a couple of hours they will let you do another 4-6 uninterrupted. Also if you hold 2 Natwest or 2 RBS accounts you can do 5 from each account uninterrupted in one go, so 10 in total per bank. This number then reduces to about 2 if you do the round ups frequently before increasing back to 6 if you leave it a few days.

It's been a few months since I last did them on a grand scale so this may have changed since but I imagine this should still hold.

JamesRobinson48

If it's OK, I'll bring the thread topic back to the best available regular savings accounts.

At long last the Darlington BS has shown its hand.  The Regular Monthly Saver account is now 4.00% variable (up from 3.80%).  But interestingly, for now the withdrawn Special Occasion Saver and Green RS accounts are still on 3.80%.

ForumUser7

JamesRobinson48 said:

If it's OK, I'll bring the thread topic back to the best available regular savings accounts.

At long last the Darlington BS has shown its hand.  The Regular Monthly Saver account is now 4.00% variable (up from 3.80%).  But interestingly, for now the withdrawn Special Occasion Saver and Green RS accounts are still on 3.80%.

Good spot.

Teen Goal Saver and Darly Young Saver also increased, to 3.85% from 3.65%(?)

Bridlington1

JamesRobinson48 said:

If it's OK, I'll bring the thread topic back to the best available regular savings accounts.

At long last the Darlington BS has shown its hand.  The Regular Monthly Saver account is now 4.00% variable (up from 3.80%).  But interestingly, for now the withdrawn Special Occasion Saver and Green RS accounts are still on 3.80%.

Damn. On Thursday I withdrew most of the money in the Regular Monthly Saver to fund other regular savers, yet didn't withdraw a single penny from the Green RS. As things stand both will be getting emptied next month anyway but still.

Bridlington1

Bridlington1 said:

JamesRobinson48 said:

If it's OK, I'll bring the thread topic back to the best available regular savings accounts.

At long last the Darlington BS has shown its hand.  The Regular Monthly Saver account is now 4.00% variable (up from 3.80%).  But interestingly, for now the withdrawn Special Occasion Saver and Green RS accounts are still on 3.80%.

Damn. On Thursday I withdrew most of the money in the Regular Monthly Saver to fund other regular savers, yet didn't withdraw a single penny from the Green RS. As things stand both will be getting emptied next month anyway but still.

All is not lost. I've just checked and the Darlington BS Regular Monthly Saver is still showing as 3.8% in my online banking so there's still a chance that they will have increased the rates for the withdrawn regular savers as well but they're just not showing in online banking yet. Let's hope that possibility is the case.

ForumUser7

Bridlington1 said:

Bridlington1 said:

JamesRobinson48 said:

If it's OK, I'll bring the thread topic back to the best available regular savings accounts.

At long last the Darlington BS has shown its hand.  The Regular Monthly Saver account is now 4.00% variable (up from 3.80%).  But interestingly, for now the withdrawn Special Occasion Saver and Green RS accounts are still on 3.80%.

Damn. On Thursday I withdrew most of the money in the Regular Monthly Saver to fund other regular savers, yet didn't withdraw a single penny from the Green RS. As things stand both will be getting emptied next month anyway but still.

All is not lost. I've just checked and the Darlington BS Regular Monthly Saver is still showing as 3.8% in my online banking so there's still a chance that they will have increased the rates for the withdrawn regular savers as well but they're just not showing in online banking yet. Let's hope that possibility is the case.

The website (product pages etc.) show 4% for RMS but the closed account section shows 3.8% GRS. I too am keeping my fingers crossed as I hold both, but it seems unlikely they’d update GRS without changing the rate on the website

Special_Saver2

Hi Folks,

I have updated page 1 of this thread.

- Hinckley and Rugby BS Regular Saver 30 Day Notice Account interest rate reduction to 4.25% from 5th May (not 4th May) noted

- Leek BS Regular Saver not changed yet - I will check again next week to see if the interest rate has risen (I can see ForumUser7's post that a CS has told them this will change on 12th May)

- Leeds BS Regular Saver (Issue 40) replaces issue 39 - issue 40 pays slightly less interest (4.2% compared with 4.25% with issue 39) and matures on 30th April 2025

- Darlington BS Regular Monthly Saver interest rate increase to 4% noted (deposits are up to £750 per month, up to a maximum balance of £30,000, account for existing members and locals only)

- Darlington BS Teen Goal Saver and Darlington BS Darly Young Saver restored to the list on page 1 given the interest rate increase to 3.85% (these accounts are for children and can carry on beyond 1 year, for locals and existing members only) 

I will do the next update within the next 2 weeks.

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

refluxer

Special_Saver2 said:

I have updated page 1 of this thread.

- Leek BS Regular Saver not changed yet - I will check again next week to see if the interest rate has risen (I can see ForumUser7's post that a CS has told them this will change on 12th May)

Yes - the Leek BS Regular Saver 3 account will be increasing from 4.00% to 4.30% on 12th May, as confirmed by the new interest rate document on their website.

Wheres_My_Cashback

Withdrawn Darlington Green and SOS now showing as 4.00% in online banking.