Regular Savings Accounts: The Best Currently Available List!

BestSeagull

friolento said:

The MBS system we can see appears to be updating once a day only, early in the morning. Mine shows

Last Updated 01/09/2023 07:09:10 BST

It seems that in the background / in their other system, all sorts of transactions can take place during a day, and we can only see them the next day. Working day, I think. This means that we can see what looks like backdated transactions.

I don't know how it works the other way round, i.e. when transactions we make online are reflected in the other system. The only transactions I normally make are withdrawals / account closures, and these seem to get actioned on the next working day.

Thank you. And that's the thing. I sent the money at around 6 or 7 am yesterday. And from calling them, I know that the money arrived yesterday as they can see it. My account updated this morning at the same time as yours did but the money didn't appear in my account. Today is the next working day and it's still not showing now (in the evening) so I still can't make the transfers. That's why I'm suggesting it's safer to transfer directly to the RS accounts.

MiserlyMartin

Hattie627 said:

SRBS

Best to wait until 1 October before topping up Regular Saver with up to £12K. The top up "offer" lasts until 31/12/23. The interest rate rise to 5.15% doesn't apply until 1 October, a sluggish two months after the base rate rise on 3 August.

I kind of don't see the point in the SBRS reg saver anymore. They are 2 months behind with the BoE rate decisions and you can get 4.93% in Shawbrook and others, which are instant access non drip feeding. By the time they get to 5.15 %, we can be sure that instant access accounts will be about 5.2%

Bridlington1

I have now created a thread which lists archived versions of the product specific Ts&Cs of some regular savers, all of which have been uploaded onto the wayback machine. See:

https://forums.moneysavingexpert.com/discussion/6470420/an-archived-list-of-regular-saver-terms-and-conditions/p1

I thought it may be of use for those who have NLA regular savers but can't find where they've saved the terms and conditions for them. It isn't a complete list at the moment but it lists all of the ones I can currently find terms for. If there are any I've missed, particularly if you have the terms and conditions for them to hand please let me know and I'll add them to the list.

I haven't included children's regular savers yet but I intend to add these at some point over the next week.

Growingold

Monmouthshire RS's
A question which may have already been answered definitely but not sure.

Does the 12 months run from date of account opening or receipt of first deposit?  Having missed deposit window for August wondering when best to do Septembers?

Many thanks.

BestSeagull

Growingold said:

Monmouthshire RS's
A question which may have already been answered definitely but not sure.

Does the 12 months run from date of account opening or receipt of first deposit?  Having missed deposit window for August wondering when best to do Septembers?

Many thanks.

The account is not considered open until the first deposit has arrived. It runs 12 full months from the date of the arrival of the first deposit. 
I'd make the deposit as soon as you can now.

BestSeagull

Bridlington1 said:

I have now created a thread which lists archived versions of the product specific Ts&Cs of some regular savers, all of which have been uploaded onto the wayback machine. See:

https://forums.moneysavingexpert.com/discussion/6470420/an-archived-list-of-regular-saver-terms-and-conditions/p1

I thought it may be of use for those who have NLA regular savers but can't find where they've saved the terms and conditions for them. It isn't a complete list at the moment but it lists all of the ones I can currently find terms for. If there are any I've missed, particularly if you have the terms and conditions for them to hand please let me know and I'll add them to the list.

I haven't included children's regular savers yet but I intend to add these at some point over the next week.

Wow! That is incredibly helpful, I've made use of it already. It must have taken an absolute age to compile. Thank you very much.

Bridlington1

BestSeagull said:

Bridlington1 said:

I have now created a thread which lists archived versions of the product specific Ts&Cs of some regular savers, all of which have been uploaded onto the wayback machine. See:

https://forums.moneysavingexpert.com/discussion/6470420/an-archived-list-of-regular-saver-terms-and-conditions/p1

I thought it may be of use for those who have NLA regular savers but can't find where they've saved the terms and conditions for them. It isn't a complete list at the moment but it lists all of the ones I can currently find terms for. If there are any I've missed, particularly if you have the terms and conditions for them to hand please let me know and I'll add them to the list.

I haven't included children's regular savers yet but I intend to add these at some point over the next week.

Wow! That is incredibly helpful, I've made use of it already. It must have taken an absolute age to compile. Thank you very much.

I'm glad you find it helpful.

I was able to compile most of it over the course of the last couple of days to be fair and many of the terms were already archived on the wayback machine anyway so it was often just a case of copy and paste into a spreadsheet with a spot of link guessing thrown in to find some of the others.

One thing I might as well point out whilst I'm at it is for those who have the NLA HEBS branch saver that tracks the BOE base rate, the original terms for the account are also visible in the HEBS branch regular saver link due to the way their website is structured.

Also please do let me know if there are any suggestions as to how the thread could be improved.

schiff

Monmouth
It goes from bad to worse. I (existing member) applied for the Exclusive the first morning (23/8). I've heard nothing. Not a peep.
Went to log in this morning to check that my 1/9 deposits to my existing RSs arrived safely - and to send a secure message about the Exclusive.
My log in details have expired!! Needed to update them, did so - and I'm getting a LETTER with a validation code!! Unbelieveable
It's not the fault of the staff, it's the ridiculously antiquated systems.

kaMelo

schiff said:

Monmouth
It goes from bad to worse. I (existing member) applied for the Exclusive the first morning (23/8). I've heard nothing. Not a peep.
Went to log in this morning to check that my 1/9 deposits to my existing RSs arrived safely - and to send a secure message about the Exclusive.
My log in details have expired!! Needed to update them, did so - and I'm getting a LETTER with a validation code!! Unbelieveable
It's not the fault of the staff, it's the ridiculously antiquated systems.

Unfortunately yes, the only way to regain access is via a code sent through the post, it's just how they and many others do it.

But more importantly, details expired?
I've been a member for years and never experienced expired details, when did you last log in?

flaneurs_lobster

I applied for both of the new MonBS RS accounts when they were announced. 

I've given up trying to track signature validations, passbooks, notifications and simply shot them £300 by FP as soon as I spotted a new account number.

Checking today I have two new active accounts, both funded with £300 in August. Have, of course, added another £300 each today.

It may be, er, idiosyncratic but it gets there eventually.