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

trickydicky14

Melton Building Soc.
Can someone tell me how long it takes for a manual payment to show up with the Melton please. I had a small payment go out via a standing order at the start of the month but also I sent a second manual payment out yesterday mid afternoon and today at close of play it's not showing and I've checked and it has not been returned for some reason.

Dizzycap

@ trickydicky14 - To clarify: Did your standing order arrived in your Melton account at the start of the month? If so, how long from sending to being visible / available was it? That will answer your question regarding how long it could take before it shows. Don't forget, it maybe slower given the fact that it's the weekend, so may be seen on Monday.

If neither payment has arrived, then I would suggest that you give Melton a call:-)

Aidanmc

Regarding HSBC regular saver, does anyone know if only having an existing saver account qualifies to open the Regular saver?

I'm finding conflicting terms

wiseonesomeofthetime

Page 44 of the Personal Banking Terms and Conditions clearly state that a qualifying current account is required:



Though how it actually carries out the next line, without a current account in existence, would be interesting.

Bridlington1

Aidanmc said:

Regarding HSBC regular saver, does anyone know if only having an existing saver account qualifies to open the Regular saver?

I'm finding conflicting terms

Well spotted. The General Ts&Cs state regarding the Regular Saver:


My understanding would be that you'd need to have a HSBC current account to open the regular saver but it's not as clear as it could be. For now I'll leave the listing on the first page as it is.

Regardless though it seems they've altered the Ts&Cs since I opened the 7% version in September though. The archived listing for the 7% version states:




Additionally the summary box they sent me last week (as they forgot to send one to me in September) seems to be for the 5% version launched in 2022 and states:

Aidanmc

Regarding Suffolk and Penrith Regular savers, can i have both the online and postal versions?

Bridlington1

Aidanmc said:

Regarding Suffolk and Penrith Regular savers, can i have both the online and postal versions?

I can't see anything in the Ts&Cs preventing you from having both so I would say there's no reason why they shouldn't allow you to have both the online version and the branch/post versions.

Bob2000

Aidanmc said:

Regarding Suffolk and Penrith Regular savers, can i have both the online and postal versions?

I sent a message to them on Friday (penrith) and am still waiting for a reply.
I'll report back with their answer.

Bridlington1

Just a reminder the Skipton BS interest rate cuts come into effect tomorrow. Of note:

Account	Old rate	New rate	Date
Skipton Home Deposit Saver Issue 1	4.81%	4.56%	10/03/25

Bridlington1

Just a reminder the YBS and Suffolk BS interest rate cuts come into effect tomorrow. Of note:

Account	Old rate	New rate	Date
YBS £50 Regular Saver/eSaver	8.00%	NO CHANGE	11/03/25
YBS Christmas 2025 Regular Saver/eSaver	5.00%	NO CHANGE	11/03/25
YBS First Home Saver/eSaver	4.70%	NO CHANGE	11/03/25
YBS Loyalty 2023 Regular Saver/eSaver	7.00%	NO CHANGE	11/03/25
YBS Loyalty Regular Saver/eSaver	5.45%	5.25%	11/03/25
YBS Regular Saver/eSaver	4.85%	4.65%	11/03/25
Suffolk BS 1 Year Variable Rate Regular Saver (31.12.2025) (includes online)	5.00%	NO CHANGE	11/03/25
Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2025)	4.80%	NO CHANGE	11/03/25
Suffolk BS 2 Year Variable Rate Regular Saver (31.12.2026)	4.80%	NO CHANGE	11/03/25
Suffolk BS Holiday Saver	4.70%	NO CHANGE	11/03/25
Suffolk BS Online 1 Year Variable Rate Regular Saver (30.09.2025)	5.00%	NO CHANGE	11/03/25
Suffolk BS Smart Save Monthly Saver	4.70%	NO CHANGE	11/03/25
Suffolk BS Variable Rate Regular Saver (31.05.2026)	4.80%	NO CHANGE	11/03/25