Regular Savings Accounts: The Best Currently Available List!

Bridlington1

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.

TheBanker

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?

If they were bothered, they'd amend the T&Cs to prevent it. The problem is that if you make a large number of very small transactions in a short period, your card's likely to get blocked as this is indicative of fraudulent activity. So probably not worth the hassle.

As @Bridlington1 suggests above, do a few here and there rather than sitting and doing a hundred one after the other. And vary the merchants used, and where possible use genuine spend rather than manufactured 1p transactions. 

Band7

My May MONBS deposits are now showing, with a credit date of May 2. Seems all is well now with their systems.

ForumUser7

Band7 said:

My May MONBS deposits are now showing, with a credit date of May 2. Seems all is well now with their systems.

The balance is fixed at my end too now.

All is well, apart from the interest due dates on the Coronation RS which incorrectly show 31st March rather than the maturity date.

allegro120

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. 

ForumUser7

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

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%(?)