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Regular Savings Accounts: The Best Currently Available List!
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Now that I have both the Mansfield 90 day tracker pays 5% and HEBS branch saver will pay 5% shortly it's looking as though my next regular saver cull could be pretty large.
I will be ringing H&R BS (4.5%) tomorrow to put in notice to empty their regular saver next month, I'll be transferring the Saffron regular saver ISA (4.25%) out to unlock the interest, Principality regular saver Issue 32 (4.5%) is getting axed, I've reduced the SO on the HSBC regular saver (5%) to £25 and changed the date from 6th to 2nd (I opened the account on 6th of the month), Coventry regular saver (4.4%) is having it's funding ceased unless they up their rate to over 5%, Bath BS homestart regular saver (4.24%), Darlington BS Regular Saver and Green Regular saver (both 4.25%), Leeds BS home deposit saver and SRBS regular saver (4.4% each) will be getting emptied too unless they act by the end of the month.
I've then got the YBS regular saver (4.5%), Principality FHS (4.25%), Furness regular saver (4.5%), Leeds regular saver (4.5%) and Saffron members regular saver (4.5%), which are looking very vulnerable indeed. I will likely decide what to do with these at some point later next month or when they announce savings rate increases.
EDIT: Spotted a spelling error7 -
Bridlington1 said:Now that I have both the Mansfield 90 day tracker pays 5% and HEBS branch saver will pay 5% shortly it's looking as though my next regular saver cull could be pretty large.
I will be ringing H&R BS (4.5%) tomorrow to put in notice to empty their regular saver next month, I'll be transferring the Saffron regular saver ISA (4.25%) out to unlock the interest, Principality regular saver Issue 32 (4.5%) is getting axed, I've reduced the SO on the HSBC regular saver (5%) to £25 and chanced the date from 6th to 2nd (I opened the account on 6th of the month), Coventry regular saver (4.4%) is having it's funding ceased unless they up their rate to over 5%, Bath BS homestart regular saver (4.24%), Darlington BS Regular Saver and Green Regular saver (both 4.25%), Leeds BS home deposit saver and SRBS regular saver (4.4% each) will be getting emptied too unless they act by the end of the month.
I've then got the YBS regular saver (4.5%), Principality FHS (4.25%), Furness regular saver (4.5%), Leeds regular saver (4.5%) and Saffron members regular saver (4.5%), which are looking very vulnerable indeed. I will likely decide what to do with these at some point later next month or when they announce savings rate increases.
Re HSBC - does anyone know what happens if you just stop paying in? Couldn’t see a stated penalty, no where does it say that causes the account to close down to flexible Saver etc.If you want me to definitely see your reply, please tag me @forumuser7 Thank you.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.1 -
Bridlington1 said:Now that I have both the Mansfield 90 day tracker pays 5% and HEBS branch saver will pay 5% shortly it's looking as though my next regular saver cull could be pretty large.
I will be ringing H&R BS (4.5%) tomorrow to put in notice to empty their regular saver next month, I'll be transferring the Saffron regular saver ISA (4.25%) out to unlock the interest, Principality regular saver Issue 32 (4.5%) is getting axed, I've reduced the SO on the HSBC regular saver (5%) to £25 and chanced the date from 6th to 2nd (I opened the account on 6th of the month), Coventry regular saver (4.4%) is having it's funding ceased unless they up their rate to over 5%, Bath BS homestart regular saver (4.24%), Darlington BS Regular Saver and Green Regular saver (both 4.25%), Leeds BS home deposit saver and SRBS regular saver (4.4% each) will be getting emptied too unless they act by the end of the month.
I've then got the YBS regular saver (4.5%), Principality FHS (4.25%), Furness regular saver (4.5%), Leeds regular saver (4.5%) and Saffron members regular saver (4.5%), which are looking very vulnerable indeed. I will likely decide what to do with these at some point later next month or when they announce savings rate increases.0 -
Like many others, I'm looking for some good steps forward in rates offered. Some of these new offerings are quite disappointing in the context of EA rates available (Skipton/Saffron excepted)
I'm waiting on First Direct resurrecting their 10% saver or hopefully YBS to launch another good loyalty rate or something. Hopefully there's something good in the works from someone.
I've also got my HSBC regular saver seeing out the 12 months on a now £25 standing order and this 5% is now the worst interest rate I have on any of my savings! Wasn't expecting that in December I have to say.1 -
Bridlington1 said:Now that I have both the Mansfield 90 day tracker pays 5% and HEBS branch saver will pay 5% shortly it's looking as though my next regular saver cull could be pretty large.
I will be ringing H&R BS (4.5%) tomorrow to put in notice to empty their regular saver next month, I'll be transferring the Saffron regular saver ISA (4.25%) out to unlock the interest, Principality regular saver Issue 32 (4.5%) is getting axed, I've reduced the SO on the HSBC regular saver (5%) to £25 and chanced the date from 6th to 2nd (I opened the account on 6th of the month), Coventry regular saver (4.4%) is having it's funding ceased unless they up their rate to over 5%, Bath BS homestart regular saver (4.24%), Darlington BS Regular Saver and Green Regular saver (both 4.25%), Leeds BS home deposit saver and SRBS regular saver (4.4% each) will be getting emptied too unless they act by the end of the month.
I've then got the YBS regular saver (4.5%), Principality FHS (4.25%), Furness regular saver (4.5%), Leeds regular saver (4.5%) and Saffron members regular saver (4.5%), which are looking very vulnerable indeed. I will likely decide what to do with these at some point later next month or when they announce savings rate increases.1 -
alibean121 said:Like many others, I'm looking for some good steps forward in rates offered. Some of these new offerings are quite disappointing in the context of EA rates available (Skipton/Saffron excepted)
I'm waiting on First Direct resurrecting their 10% saver or hopefully YBS to launch another good loyalty rate or something. Hopefully there's something good in the works from someone.
I've also got my HSBC regular saver seeing out the 12 months on a now £25 standing order and this 5% is now the worst interest rate I have on any of my savings! Wasn't expecting that in December I have to say.3 -
ForumUser7 said:Bridlington1 said:Now that I have both the Mansfield 90 day tracker pays 5% and HEBS branch saver will pay 5% shortly it's looking as though my next regular saver cull could be pretty large.
I will be ringing H&R BS (4.5%) tomorrow to put in notice to empty their regular saver next month, I'll be transferring the Saffron regular saver ISA (4.25%) out to unlock the interest, Principality regular saver Issue 32 (4.5%) is getting axed, I've reduced the SO on the HSBC regular saver (5%) to £25 and chanced the date from 6th to 2nd (I opened the account on 6th of the month), Coventry regular saver (4.4%) is having it's funding ceased unless they up their rate to over 5%, Bath BS homestart regular saver (4.24%), Darlington BS Regular Saver and Green Regular saver (both 4.25%), Leeds BS home deposit saver and SRBS regular saver (4.4% each) will be getting emptied too unless they act by the end of the month.
I've then got the YBS regular saver (4.5%), Principality FHS (4.25%), Furness regular saver (4.5%), Leeds regular saver (4.5%) and Saffron members regular saver (4.5%), which are looking very vulnerable indeed. I will likely decide what to do with these at some point later next month or when they announce savings rate increases.
Re HSBC - does anyone know what happens if you just stop paying in? Couldn’t see a stated penalty, no where does it say that causes the account to close down to flexible Saver etc.
Personally I don't want to risk it too much with HSBC to be honest. I'll be going past a branch in the morning so can always see what they have to say about it there if you like?pecunianonolet said:Bridlington1 said:Now that I have both the Mansfield 90 day tracker pays 5% and HEBS branch saver will pay 5% shortly it's looking as though my next regular saver cull could be pretty large.
I will be ringing H&R BS (4.5%) tomorrow to put in notice to empty their regular saver next month, I'll be transferring the Saffron regular saver ISA (4.25%) out to unlock the interest, Principality regular saver Issue 32 (4.5%) is getting axed, I've reduced the SO on the HSBC regular saver (5%) to £25 and chanced the date from 6th to 2nd (I opened the account on 6th of the month), Coventry regular saver (4.4%) is having it's funding ceased unless they up their rate to over 5%, Bath BS homestart regular saver (4.24%), Darlington BS Regular Saver and Green Regular saver (both 4.25%), Leeds BS home deposit saver and SRBS regular saver (4.4% each) will be getting emptied too unless they act by the end of the month.
I've then got the YBS regular saver (4.5%), Principality FHS (4.25%), Furness regular saver (4.5%), Leeds regular saver (4.5%) and Saffron members regular saver (4.5%), which are looking very vulnerable indeed. I will likely decide what to do with these at some point later next month or when they announce savings rate increases.
I am a student and since student maintenance loan isn't taxable income my only taxable income is my savings interest plus wages from a part time job (about £400/mth). So I don't currently have to worry about the tax implications, though I will do once I finish uni next year. Consequently I was able to treat the Saffron ISA as any other regular saver.
I'm currently transferring the Saffron ISA to a flexible ISA with Paragon to prevent losing the tax free allowance on the balance though just on the off chance a high paying ISA pops up elsewhere that I would want to fill up in the near future. I'll empty paragon once they do the ISA transfer though.
I have a fair amount in savings given that I have saved pretty much every penny I've got my hands on for the last 20 years I've been alive and had been doing paper rounds from 13, part time job and paid surveys since 16 etc and saved pretty much all of it so I am probably in quite an unusual position for people my age in that I have quite a lot in savings but currently no tax to pay.10 -
Bridlington1 said:
I will be ringing H&R BS (4.5%) tomorrow to put in notice to empty their regular saver next month1 -
Can anybody advise on the Halifax regular saver.
I put my first payment in on 22nd may and the next one in on 22 June, but can I make another tomorrow and then carry on monthly from 26th of the month?
T&C's say:- You can save £25 - £250 every month by one standing order or a bank transfer. This needs to reach your account before the 25th of the month. You can also make a bank transfer to top up your savings as long as the total amount of your deposits does not exceed the monthly limit of £250. The amount that you save each month can vary but needs to stay between the £25 to £250 monthly limit.
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allegro120 said:Bridlington1 said:
I will be ringing H&R BS (4.5%) tomorrow to put in notice to empty their regular saver next month
I would like to maintain a foothold in H&R though so would like to keep the account just in case.1
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