The Old Regular Savers Discussion Thread 28/12/24-29/1/26

kamkop

simonsmithsays said:

YBS Loyalty eSaver 5.45%

https://www.ybs.co.uk/savings/loyalty-savings-accounts?cmpid=eml-YBS-Xsell-Lapsed&spMailingID=30815003&spUserID=MjEyNzIxNjE3ODc2S0&spJobID=2670493556&spReportId=MjY3MDQ5MzU1NwS2

The interest rate on this account will go down to 5.25% gross per year/AER variable on 11 March 2025.

Dizzycap

kamkop said:

simonsmithsays said:

YBS Loyalty eSaver 5.45%

https://www.ybs.co.uk/savings/loyalty-savings-accounts?cmpid=eml-YBS-Xsell-Lapsed&spMailingID=30815003&spUserID=MjEyNzIxNjE3ODc2S0&spJobID=2670493556&spReportId=MjY3MDQ5MzU1NwS2

The interest rate on this account will go down to 5.25% gross per year/AER variable on 11 March 2025.

Which is exactly why I have diverted full monthly subscriptions of £250 (interest) into my Lloyds RS @ a fixed rate of 5.25%

Didn't we know that the 5.45% rate wouldn't last long at YBS

simonsmithsays

kamkop said:

simonsmithsays said:

YBS Loyalty eSaver 5.45%

https://www.ybs.co.uk/savings/loyalty-savings-accounts?cmpid=eml-YBS-Xsell-Lapsed&spMailingID=30815003&spUserID=MjEyNzIxNjE3ODc2S0&spJobID=2670493556&spReportId=MjY3MDQ5MzU1NwS2

The interest rate on this account will go down to 5.25% gross per year/AER variable on 11 March 2025.

Seeing as they've (YBS) only just sent me this email offering that's absolutely scandalous that it's not mentioned (in the email)

flaneurs_lobster

simonsmithsays said:

kamkop said:

simonsmithsays said:

YBS Loyalty eSaver 5.45%

https://www.ybs.co.uk/savings/loyalty-savings-accounts?cmpid=eml-YBS-Xsell-Lapsed&spMailingID=30815003&spUserID=MjEyNzIxNjE3ODc2S0&spJobID=2670493556&spReportId=MjY3MDQ5MzU1NwS2

The interest rate on this account will go down to 5.25% gross per year/AER variable on 11 March 2025.

Seeing as they've (YBS) only just sent me this email offering that's absolutely scandalous that it's not mentioned (in the email)

...and on the second page of detail when you check the product online. Poor.

friolento

flaneurs_lobster said:

simonsmithsays said:

kamkop said:

simonsmithsays said:

YBS Loyalty eSaver 5.45%

https://www.ybs.co.uk/savings/loyalty-savings-accounts?cmpid=eml-YBS-Xsell-Lapsed&spMailingID=30815003&spUserID=MjEyNzIxNjE3ODc2S0&spJobID=2670493556&spReportId=MjY3MDQ5MzU1NwS2

The interest rate on this account will go down to 5.25% gross per year/AER variable on 11 March 2025.

Seeing as they've (YBS) only just sent me this email offering that's absolutely scandalous that it's not mentioned (in the email)

...and on the second page of detail when you check the product online. Poor.

I have just applied fir this account. The impending rate drop is prominently highlighted. They couldn’t have made it any clearer.

Bridlington1

Just a reminder that the Co-operative Bank Regular Saver at 7% is still available and we are now 30 days from the start of the new tax year. 

Given that the Co-op regular saver matures and pays interest on the anniversary of you making your first deposit, if you apply for the account now it is now possible to push the payment of its interest into the 2026-27 tax year, which may be useful for some.

gt94sss2

AndyTh_2 said:

Principality BS First Home Steps

Seems they are going to convert previous issues to the issue 5 on 6th March (I just got an email about it for my issue 3).

Those fortunate enough to have multiple issues of the Principality BS First Home Steps RS may want to check that Principality have correctly merged their accounts.

It seems that as well as merging all the previous issues into a issue 5 as previously communicated, they also merged any other issue 5 account that you already had open which they hadn't notified you about as "you can only have one issue 5 account".

This means that if your balance exceeds 50k in the merged account, you can't continue to contribute to Issue 5 even though the reason you would have had two of the same issue is solely down to PBS's decision to merge issues.. 

I suspect I will have to log a complaint to get this resolved..

friolento

CLUB LLOYDS RS 

If your only reason for having the Club Lloyds current account is access to the Club Lloyds RS: you only need to have the CL current account at the time of applying for the CL RS. 

Once your CL RS is open, you can immediately downgrade your CL current account to the fee-free Classic account. All doable in minutes, and does not affect the operation or interest rate of the CL RS.

simonsmithsays

friolento said:

flaneurs_lobster said:

simonsmithsays said:

kamkop said:

simonsmithsays said:

YBS Loyalty eSaver 5.45%

https://www.ybs.co.uk/savings/loyalty-savings-accounts?cmpid=eml-YBS-Xsell-Lapsed&spMailingID=30815003&spUserID=MjEyNzIxNjE3ODc2S0&spJobID=2670493556&spReportId=MjY3MDQ5MzU1NwS2

The interest rate on this account will go down to 5.25% gross per year/AER variable on 11 March 2025.

Seeing as they've (YBS) only just sent me this email offering that's absolutely scandalous that it's not mentioned (in the email)

...and on the second page of detail when you check the product online. Poor.

I have just applied fir this account. The impending rate drop is prominently highlighted. They couldn’t have made it any clearer.

I agree it's on the website 

It's absolutely nowhere on the email though with the, soon to be expired, rate the largest font on the whole email.

That's just shoddy click bait when the rate drop is sooo near 

Stargunner

friolento said:

CLUB LLOYDS RS 

If your only reason for having the Club Lloyds current account is access to the Club Lloyds RS: you only need to have the CL current account at the time of applying for the CL RS. 

Once your CL RS is open, you can immediately downgrade your CL current account to the fee-free Classic account. All doable in minutes, and does not affect the operation or interest rate of the CL RS.

I think the majority like to keep it for the Lifestyle benefits.