Regular Savings Accounts: The Best Currently Available List!

Bridlington1

Catplan said:

Request the branch based online ten mins or so ago phone call and they’ve emailed me it. 

Can you have both online and branch / post ? I know you could with Loyalty ISA, and have had a quick view of the t&c’s and can’t see why not.

You can't have both the online and branch/post version.

For those applying by post if you want to save yourself some time the application form can be found using the link below:
https://www.ybs.co.uk/documents/productdata/Application-YB571754B.pdf

Also of note is that as with the YBS product sheets, I've discovered postal application forms seem to remain on their website long after the product is withdrawn from sale so it may be worth saving this link if you are very close to being eligible for this regular saver.

BestSeagull

Catplan said:

Request the branch based online ten mins or so ago phone call and they’ve emailed me it. 

Can you have both online and branch / post ? I know you could with Loyalty ISA, and have had a quick view of the t&c’s and can’t see why not.

To me it reads as if you can have one or the other.

• You can only hold one Loyalty Regular eSaver 2023 or Loyalty Regular Saver 2023 account in your name. For joint accounts you can only be the Main Holder on one account but can be Other Holder on the second account.

SFindlay

Catplan said:

Request the branch based online ten mins or so ago phone call and they’ve emailed me it. 

Can you have both online and branch / post ? I know you could with Loyalty ISA, and have had a quick view of the t&c’s and can’t see why not.

It clearly states only 1 of either version can be held and if error happens and you're found to be named on 2 then the most recently opened will be converted into an easy access account.

• You can only hold one Loyalty Regular Saver 2023 or Loyalty Regular eSaver 2023 account in your name. For joint accounts you can only be the Main Holder on one account but can be Other Holder on the second account.

where_are_we

Manged to open YBS Loyalty ReS @7%. Got account number ok. However it`s a pain that they insist on posting 3 ID documents (one name and two address) despite the fact that I have 8 different accounts with them! I cannot make a deposit until these are ratified.

friolento

Yesterday‘s deposit into Tipton now showing, with credit date if yesterday 👍

Gers

Section62 said:

Nick_C said:

Usual problems with YBS.

It also looks like they have resurrected the new website layout again (the one which didn't work last time).

I've tried applying twice, I get to the "Open account" button on the "Review & Confirm" page, at which point the site dumps me out to the main login screen.

If that's what it is caused by, going back to the 'new' website just before launching a likely very popular account won't have been the best business decision YBS have made lately.

I found that despite being shown the login screen again when I scrolled down the option to apply was there. Deceptive!

Section62

Gers said:

Section62 said:

Nick_C said:

Usual problems with YBS.

It also looks like they have resurrected the new website layout again (the one which didn't work last time).

I've tried applying twice, I get to the "Open account" button on the "Review & Confirm" page, at which point the site dumps me out to the main login screen.

If that's what it is caused by, going back to the 'new' website just before launching a likely very popular account won't have been the best business decision YBS have made lately.

I found that despite being shown the login screen again when I scrolled down the option to apply was there. Deceptive!

I've now found a workaround.

Rather than logging in first and then starting the application within online banking, I instead went to the product page on the general website and started the application from there - logging in as an existing customer when prompted to do so.

All worked OK when I did it that way round.

PixelPound

janusdesign said:

where_are_we said:

We have been reducing our uncompetitive RS`s. However the new Tipton & Coseley RS @ 6.2% just about gets over the line. Not so good is that no withdrawals or closure are allowed, and that you have to make at least a £25 monthly contribution and you print off an application form and post it. Hopefully being an existing customer means that ID documents are not required. However you can make 14 monthly deposits of £250. Who knows whether 6.2% will be good in the year to come!

there is an app version paying the same rate if you want to avoid posting application forms.

https://www.thetipton.co.uk/our-savings/current-savings-rates-1/mobile-app-savings-accounts/fixed-rate-regular-saver-to-31-10-24-app/

might be easier than postal?

wiseonesomeofthetime

Yorkshire Building Society Loyalty Regular eSaver 2023

Loving this bit of terminology: (bold italics mine). Like you'd want to make numerous withdrawals on the same day

Withdrawals
The Loyalty Regular eSaver 2023 account allows you unlimited number of withdrawals from your account on one day per account year. Withdrawals are instant and if required you can close your account even if you have used your withdrawal day.

For security reasons, online withdrawals are not available for the first 14 days after your account has been opened. After 14 days withdrawals can be made from your account at any time on condition that there are sufficient cleared funds in your account and that you maintain the minimum balance of £1.

Anyways, opened and funded without issue. 

Rawrzy

where_are_we said:

Manged to open YBS Loyalty ReS @7%. Got account number ok. However it`s a pain that they insist on posting 3 ID documents (one name and two address) despite the fact that I have 8 different accounts with them! I cannot make a deposit until these are ratified.

Crazy they still do that even when you already have accounts. I had that happen when trying to open an account as a new customer. I'd both heard and read on their website they used that hooyu system but apparently not because it didn't even try to use it for me, just instantly said it couldn't electronically verify and wanted proof either via post or via a branch. Only upside was they don't seem to require certified copies.